Caliber Home Loans, Inc.

2015-07-27

RI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-24

Nyc, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-23

DC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Borrower : XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX ; XXXX, MD XXXXLoan XXXXLender : Caliber Home LoansFormal Complaint Against Caliber Home LoansCaliber Home Loans, Inc. tax department made an error on my mortgage. They thought that Caliber had to pay a {$1900.00} tax bill twice annually. Which made my mortgage payment ( PITI ) escrow almost {$400.00} a month more over andabove my current mortgage payment. My current mortgage payment XXXX PITI XXXX is {$620.00}. However with this tax error on the part of Caliber my mortgage payment is over {$900.00} of which, I can not afford and will not pay due to Calibers error. However, after my complaining numerous times. The tax department finally realized that the taxes of {$1900.00} was payable only once a year not twice in one year!!!!. Caliber tax department via the tax department supervisor XXXX XXXX spoke with me twice and assured me the problem would be resolved. It has not!!! I am still being wrongfully chargedover {$900.00} for my mortgage payment that was wrongfully calculated by Caliber Home Loans. Caliber has put my loan in the Collections Department, they have sent me loss mitigation documents they say I am behind two payments. I continue to send in my correct loan amount of $ 624 monthly and not the over {$900.00} that they wrongfully calculated for the escrow due to their mistake. I have tried to no avail to have this problem resolved within Caliber and can not. I was told by a person in the tax department that theresearch department that handles these issues as a very large backlog and I had to wait my turn. I should not have to pay an excessive {$400.00} a month for escrow due to an erroron the part of Caliber.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Peabody, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Redondo Beach, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Cypress, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Tewksbury, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-20

Walthill, NE

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Atl, GA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Compton, CA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Bonnie, UT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-15

Rncho Domingz, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My loan was transferred from XXXX XXXX XXXX to Caliber Home Loans late last year and I have been having the worst time dealing with Caliber Home Loans. I was working on a loan modification with XXXX XXXX XXXX at the time of transfer. When my loan was transferred, Caliber Home Loans placed a sale date on my property and told me that I needed to fax them or email them my documents for modification review. Even though they postponed the sale date, during the whole month of XXXX and XXXX, I faxed in packages but was told repeatedly that they never got either my fax or emails with the documents. I eventually sent a certified package through USPS so that I could see if someone sign for the package. After three months they finally put my file in review but also kept having sale dates posted on my property even though I thought during a modification they are suppose to temporarily suspend the sale dates. I was declined XX/XX/XXXX and have tried to re-apply but the same thing keeps happening on them losing packages. In XX/XX/XXXX when I got declined, I tried to re-apply for assistance but they said that there was nothing they could do because I had a sale date for XXXX XXXX so I tried to setup a re-payment plan. I requested to have something in writing in regards to the payment plan but said that if I did not wire them the {$10000.00} that they could not postpone my sale date. My wife ended up filling for an emergency bankruptcy the day before the sale because we did not have anything in writing from the bank showing a repayment plan. When I spoke to the rep about this he said that there was nothing in writing that they were going to send, so he lied because the day of the sale, we received the paperwork in the mail for the repayment plan. We ended up not going with the repayment plan because I was told that our bankruptcy eliminated the plan. Moving forward, I emailed a package last week on the XXXX of XXXX because I have a pending sale date for XX/XX/XXXX and as of XX/XX/XXXX they have not received my email. In addition, every time I call I am being discouraged from trying to apply for a modification. I get ripped apart by the reps for being behind on my payments and even though the are not the ones making a decision on my file, they constantly tell me that my modification will be declined no matter what I do. I feel like this bank is doing everything that they can to lie to me about my packages not being received. I also had a sale date last month ( XX/XX/XXXX ) and was told not to worry because my sale would be postponed but the morning of the sale, I called the trustee and they told me that I was lied to ad that the sale was active. I called the bank to ask why a rep would tell me that there was no sale date and was told that they were sorry and did not know why a rep would tell me that. I ended up having to file for a emergency bankruptcy under my name the same morning of the sale in order to avoid the foreclosure. Even though I filed the bankruptcy, the trustee still has a tentative sale date listed for XX/XX/XXXX. This bank has been nothing terrible during this process, nothing like XXXX XXXX XXXX. I am now afraid that next week they are going to do the same thing to me as they did last month. Caliber home loans I believe is violating my rights to apply for a loan modification. They constantly lie and discourage me from applying for modification assistance. I am running out of options and every time I call they say they do n't have time to work on anything because I have pending sale dates. It 's impossible to work with this bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We are in desperate need of help as our mortgage is pending a foreclosure sale and our bank will not help us. We purchased this home XXXX XXXX XXXX. We had done a refinance with XXXX XXXX XXXX of XXXX. We defaulted on that mortgage in XXXX of XXXX and the reason for hardship was due to our families including immediate family was in XXXX during the earthquake XXXX XXXX XXXX. We had to fly to XXXX and bring back our nieces and nephew after both my sisters were killed leaving the children orphans. Between the funeral costs, travel costs and taking in the XXXX children, we had no more savings left to pay the mortgage. We applied for a modification and had been approved for a trial modification which we completed and was approved for a step rate modification XXXX XXXX XXXX. The step rate schedule startedXXXX/XXXX/XXXX-XX/XX/XXXX with the rate 4.025 % ; XXXX at 5.025 % ; XXXX at 6.025 % ; XXXX at 7.025 % ; XXXX at 8 %. XXXX/XXXX/XXXX XXXX was hurt on the job after 18 years of employment and had to go on workers comp. We had applied for a temporary hardship due to this significant income reduction and was approved for a 2 year temporary modification on XXXX XXXX XXXX through XXXX/XXXX/XXXX reducing the interest rate to 1.025 %. After the two years were up, the payment would go back to the terms of the original modification as explained above. My workers comp was {$270.00} a week. We defaulted on this temporary modification XXXX XXXX XXXX after the workers comp had ended. I had been going to court over the XXXX until it was finally determined he was XXXX as of XXXX XXXX XXXX. The XXXX date I was entitled to benefits was XXXX XXXX but if you review the award letter I have attached, I did n't receive the retro pay or monthly payments until XXXX XXXX XXXX. So for 24 months, XXXX had no income other than the temporary XXXX which was less than {$XXXX} a month which barely covered the cost of parking for the hospitals after the XXXX. Since XXXX is now receiving permanent XXXX of {$XXXX} a month and XXXX 's income, we are making {$XXXX} a month in gross income and taking home {$XXXX} combined.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Achille, OK

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Shulerville, SC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I closed on my mortgage loan XX/XX/XXXX. Since that time, home values have increased substantially in my area. My home was also a foreclosure home. I have a large amount of equity in the home due to the fact that it was purchased as a foreclosure and because of the increase in property value. I called Caliber Home Loans to get my PMI removed. I was told that I could not remove the PMI because the loan closed during a time frame that cause me to not be able to remove PMI for ANY reason. I tried to refinance the loan in order to remove the PMI. I was told I could refinance, they took my money for the appraisal fee, and then I was told I could not refinance due to my debt to income ratio. My loan to value ratio is now approx. 61.5 %. My debt level is higher due to medical bills. So now I am stuck with PMI and there is no reason I should be paying this monthly expense. I called yet again today and was told that the PMI will not fall off of my loan for any reason until XX/XX/XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-13

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Failed Mortgage modification with Caliber loans they actually made it worse
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

George School, PA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Lawrenceville, GA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX BANK SOLD THIS LOAN TO CALLIBER HOME LOANS AS OF XXXX. THE HOME HAD A SET SALE DATE BY XXXX. XXXX FAILED TO INFORM THE CUSTOMER ON XXXX WHEN THEY SPOKE TO XXXX XXXX THAT THE LOAN WOULD BE SOLD AS OF XXXX. FURTHERMORE, XXXX FAILED TO SEND THE MODIFICATION PACKAGE TO THE NEW LENDER CALIBER HOME LOANS. IT TOOK CALIBER HOME LOANS XXXX DAYS TO " BOARD '' THE LOAN. THE MODIFICATION PACKAGE WAS ALSO SENT TO CALIBER HOME LOANS, BUT SINCE THE LOAN NUMBER WOULD NOT BE GIVEN, CALIBER DOESNT KNOW WHERE THE DOCUMENTS WENT. " IF THE LOAN NUMBER WAS NOT BOARDED, THEN THE DOCUMENTS WERE IN LIMBO '' STATED BY SUPERVISOR XXXX WITH CALIBER HOME LOANS. THERE IS NO EXCUSE FOR XXXX NOT TO HAVE SENT THE COMPLETE MODIFICATION PACKAGE TO NEW SERVICER. THERE IS NO EXCUSE FOR THE NEW SERVICER TO HAVE A SALE DATE SET IF THEY DONT HAVE THE LOAN SET UP. XXXX DAYS AFTER THE TRANSFER OF THE LOAN, THE LOAN WAS FINALLY SET UP BUT THE SALE DATE WHICH IS STILL SET FOR XXXX DOES NOT GIVE AMPLE TIME TO REVIEW THE LOAN FOR ASSISTANCE PER CALIBER HOME LOANS. CALIBER HOME LOANS HAS STATED THAT THEY ARE LOOKING INTO THE DOCUMENTS WITH LOSS XXXX AS WELL AS REACHING OUT TO XXXX. THE INABILITY OF THE LENDERS TO MAINTAIN A FILE IS INEXCUSABLE. CALIBER HOME LOANS STATED THEY DID NOT RECEIVE THE DOCUMENTS WHEN SUCCESSFUL FAX AND EMAIL CONFIRMATIONS WERE KEPT AS A RECORD. FURTHERMORE, CALIBER HOME LOANS FAILED TO SEND THE HELLO LETTER WITH THE NEW LOAN NUMBER, AND WERE ONLY ABLE TO PROVIDE THAT INFORMATION AS OF THE XXXX DAY. AT THIS TIME WE ARE DEMANDING THE POSTPONEMENT OF THE SALE DATE OR XXXX XXXX WILL ASSERT HIS LEGAL RIGHTS NAMING BOTH XXXX AND CALIBER HOME LOANS AS DEFENDANTS. XXXX AND CALIBER HOME LOANS ARE DISCRIMINATING AGAINST XXXX XXXX BASED ON RACE ETHNICITY, MARITAL STATUS, LANGUAGE, AND THE FACT THAT XXXX SERVICERS CONTINUE TO FORECLOSE AFTER THEY CONFIRMED THE HOLD UP AND GRAY AREAS WITHIN THIS SITUATION ONLY CONFIRMS THIS ALLEGATION.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-08

Cumberland, RI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Sunnyvale, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX I obtained a home loan from XXXX Mortgage Co. At the time I was required as a condition of the loan, to submit a FEMA Standard Flood Hazard Determination ( SFHD ). The lender engaged XXXX, a third party certification business to obtain the SFHD and it was submitted as a part of the loan package. The SFHD stated that my home was not in a flood zone and that no Federal Flood insurance was required. In XXXX, Caliber Home Loans acquired XXXX Mortgage, and assumed my loan in the process. In XXXX XXXX, Caliber sent me a letter indicating that my home was in a flood zone and insisted that I provide flood insurance on the property. Through numerous conversations I explained that I had certification to the contrary and provided them with a copy the SFHD that I obtained through a senior loans officer at Caliber. Caliber continued to insist that I was in a flood zone and produced a copy of a SFHD that they purportedlyreceived with no preparers information ( as contained in the SFHD that was submitted with the original loan ). I continued to try and work with them to resolve the problem, but refused to purchase flood insurance as they were requiring. I supplied them with maps substantiating my position as well as copies of all SFHD information in my possession. I also submitted copies of the FEMA map certification showing that no updates or map revisions had been made since XXXX. Finally I spoke with a Caliber Insurance supervisor, XXXX XXXX XXXX, who told me that if I applied for and obtained a Letter Of Map Amendment XXXX LOMO XXXX from FEMA that showed that my property was not located in a flood zone, that Caliber would reverse all the insurance charges they had placed on my account. In XXXX, I received that LOMO at a cost of {$800.00}, and Caliber sent me a letter indicating that no flood insurance would be required in the future, however they refused to remove the insurance fees charged to my account from XXXX XXXX through XXXX XXXX. In addition, I have asked to speak with XXXX XXXX XXXX of their office to clear up the situation and they have not made her available to speak with me. I am very frustrated and feel that Caliber is not acting in good faith on this issue. Despite the fact that the paper trail shows clearly that they were in error to apply the flood insurance requirement, FEMA 's own regulations state that : " Whenever an institution makes, increases, extends, or renews any commercial loan secured by improved real estate or by a manufactured /mobile home, it must determine whether the building or mobile home offered as security is or will be located in an SFHA and complete the Standard Flood Hazard Determination form ( SFHD ) ... XXXX Caliber assumed this loan which is not covered in the FEMA requirement. All requirements for SFHD were complied with at the time the loan was processed. No amendments to the map were made after the loan and Caliber used a SFHD form in XXXX with no preparers certification.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-08

Chester, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: my business went quiet, was behind XXXX month mortgage payment, spoke to my bank and they assured me of assistance, by the end of the second month i personaly went to my bank to make the late XXXX payments and thay refused to take the payments stating that it was now XXXX months past due and i must apply for a modification, i told them i did not want that but they still refused to take my payments, next thing i know im getting letters from the banks attorney saying i need to pay x amount of money to the bank and the attorney fee 's making it impossible for me to get caught up ... ..2 months later i get a letter saying that a company by the name of vericrest will be servicing my mortgage then another company by the name of caliber will be servicing my mortgage..i have done nothing but tell these people while still giving them the information they request that i dont want a modification i want to get back to the original payment plan ... .2 yrs down the road thay are still asking me for repeat information ... i am clearly being given the run around ... i have sent the modification package in so many times now yet they still say information has gone stale or was not included in the package, i have been working with XXXX here in XXXX XXXX NY and with a court attorney referee from day 1 and still no decision and its been 2 yrs already ... now they say i owe over $ XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Kingstree, SC

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response