Caliber Home Loans, Inc.

2015-06-22

Buffalo, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-19

Palos Park, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Cumberland, RI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-18

Charlotte, NC

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I applied for a loan hardship modification with Caliber Home Loans. The modification approved and I had to sign the agreement and have return to Caliber by XX/XX/XXXX. I signed the agreement and called Calibur Home Loans on XXXX XXXX, spoke with an agent name XXXX XXXX. She stated the modification was approved and is being processed. She stated to call her back by Thursday and once processed I would received a copy of the agreement in the mail once processed. I called back to check on the status of my agreement and spoke with a XXXX agent number XXXX and she stated the modification could not be processed and due to some probate paperwork needed for my deceased mother XXXX XXXX XXXX. She also stated she do not know why the last time I called I was not told this. XXXX days has passed and I received no phone call, no letter from Caliber indicating what was needed. I am the cborr on the loan, and have the only interest in this mortgage. I advised XXXX, why was n't this communicated to me in a timely manner as I am waiting on a decision and would have to take time off work to go to my county office for this information. I am filing a complaint as they failed to communicate the proper info needed in a timely matter. My mod should take effect XXXX XXXX. When I called on XXXX XXXX, I was calling to set up an autopay to make sure the payments are on time each month, but instead I received this communication. furthermore, the interest on this loan is on a simple fee and continued to accumulate dailty. I feel Caliber need to offer some other assistance until I am able to get the documents they are requesting. When I completed my hardship, I received a letter from Caliber indicating they need a death certificate for XXXX XXXX XXXX and this was all they needed. No one mentioned anything about an EOE paper work, which I feel is not needed in this case as I am the cbrr on the loan and have been making payments to them for a while now. Plus, I would like an explanation of the additional charges that was added to my loan after Caliber took over my loan payment from XXXX in XX/XX/XXXX/XX/XX/XXXX. I requested a permanent interest rate reduction as the interest on this loan is way too high but instead they gave me a 5 year plan reduction on the modification. Loan name : XXXX XXXX XXXX and XXXX XXXX - XXXX. XXXX XXXX is now XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-17

Warren, RI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Lewisville, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m/loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-16

Chula Vista, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

El Dorado Hills, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Enfield, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-13

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I submitted an application for a loan modification to Caliber Home Loans. They asked me to provide information which I did, they asked for several things they were : Profit and loss statement, a letter of verification and a credit report authorization. I faxed all of these to them. I have fax reports showing date they were faxed. On XXXX XXXX, I received a phone call and a letter saying I was refused a loan modification because " you did not provide us with the documents we requested '' This is not true. I sent in everything they asked for and have proof that I did so. They did not even evaluate my documents
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Salton City, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Caliber Home Loans appears be trying to unlawfully switch loan modifications. They have continuously lied about third party organizations involvement, whilst not providing any proof stating their claims. Additionally, they have not complied with RESPA requests or any reasonable request from me to protect my home. XX/XX/XXXX I received a notice that Caliber Home Loans had obtained my mortgage from XXXX. I contacted Caliber and talked about my situation. The representative that I talked to recommended that I apply for a Loan Modification. I explained to him that I just spent a long time trying to obtain one unsuccessfully from XXXX but they assured me I would be approved after taking my financials. They took my financial information and told me they would assign a single point of contact, and that it would be finished within XXXX months. I went through a tireless game of sending the documents over and over, with little or no communication on their end. During the process they informed me that there was no need to make payments while the loan modification was in process. XX/XX/XXXX is the only time I was ever contacted by the person they designated as the single point of contact by Caliber during the entire Loan Modification process. I was never ever able to reach this person by phone or return the phone call. In XX/XX/XXXX I received a letter that my loan mod was in review. Shortly there after, I was denied my loan modification with the suggestion that I contact HUD, which I did immediately and was put in touch with XXXX and was offered financial assistance. Which I qualified for. Then on XXXX XXXX, Caliber sent me a short term loan modification agreement that needed to be signed and returned by XXXX XXXX in order for it to take effect. I had numerous questions regarding it because of many questionable discrepancies, only to be blocked from calling in their system. After not hearing from Caliber and not receiving any additional requested paperwork regarding the loan modification I finally was able to contact them and was told that everything was okay and still being processed and to go ahead and make my XXXX, XXXX payment as per the new loan modification. Caliber informed me that XXXX requested Caliber return the {$25000.00} they previously funded. I contacted ( XXXX ) and they told me that was not true and that everything was funded. Caliber lied, XXXX never requested their money be returned. on XX/XX/XXXX, after I made my first payment on my loan mod, I was then sent a different Loan Modification from Caliber. This document had many discrepancies and added about XXXX and a half times my loan balance for " unpaid interest '', which would be impossible given my payment history. I was also informed that the reason for the ridiculous level of interest was that I had n't made a mortgage payment in about a year, which was by their recommendations!!! Over the entire period, I experienced unbelievable anguish and continuous XXXX and XXXX because of the unethical and criminal business practices Caliber put me through. Caliber was telling me a story that led me to believe I could receive help to stay in my home, when they were planning on foreclosing on me from the beginning, or trying to modify my loan to the point of extreme profit on their end. They were making it impossible for me to make the home affordable, as you will find in the attached documents. There has never been a satisfactory explanation for this horror story.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-11

Key Biscayne, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Woodbridge, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-10

Costa Mesa, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

Jupiter, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number. Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

Atlanta, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Garrett Park, MD

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-09

Carson, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Trenton, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-09

West Newfield, ME

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-09

TN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon. Thanks for the letter. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Santa Ysabel, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did. since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX. my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX. so they took a payment over the phone for {$1800.00}. the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it. when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account. so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment. nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}. I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Atl, GA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Wrentham, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response