Caliber Home Loans, Inc.

2015-06-08

Phoenix, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Houston, TX

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I have been trying for over a year to get information correctly reported regarding a foreclosed and sold home. The creditor (Caliber Home Loans) has constantly informed me that they are not reporting a balance on the loan even though I have given them proof to the contrary. XXXX is reporting the amount with a balance and a past due and refuses to remove the incorrect information. This has done great harm to my family and me, as it has artificially depressed my credit rating for some time causing me to be denied credit and forced to pay greater interest rates on purchases. I am certain that common sense should apply here, but up to this point it is non-existent.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Philadelphia, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a XXXX year mortgage with a great interest rate from Caliber Home Loans that I obtained in XXXX. I have paid the mortgage consistently since I received it. My payment was approximately {$1700.00}. I typically paid that amount. In XXXX XXXX, I paid {$1800.00}. On about XXXX XXXX, XXXX, Caliber Home Loan sent me a statement alleging that I had a negative escrow balance. The new statement would increase my monthly payments by {$600.00} effective XXXX XXXX, XXXX. This would increase my payment from to {$1700.00} to {$2400.00}. I paid {$1800.00} on XXXX XXXX an additional {$600.00} payment in late XXXX. My mortgage payment includes taxes and insurance. In XXXX, I paid {$2400.00} for this new mortgage payment. I understand that taxes and insurance increase. However, my taxes and insurance only increased by less than {$20.00} in XXXX. I reached out a non-profit for helping home owners. They called Caliber and no one could explain how the new figure was calculated. Caliber corrected the month statement back to close to the original payment. The new payment I was told to pay was {$1800.00}. I paid and continued to pay this new amount. In XXXX XXXX, Caliber sent a new statement alleging that the escrow account had a negative balance and that effective XXXX XXXX, XXXX, my monthly payment would increase by {$500.00}. Again, I checked my taxes and insurance and my insurance increased by {$14.00}. Caliber has not explained to me why I have a negative escrow balance of {$4900.00}, when I have never missed a payment and my payment includes my taxes and insurance. I want Caliber to stop attempting to extort money out of an XXXX person.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Arlington, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: My Loan Servicer is Caliber Home Loans. I wrote to them about understanding my options regarding a loan modification. I sent my question to them at the end of XXXX. My spouse heard from them on XXXX XXXX, 2015. Caliber staff refused to discuss modification options. They said once they have updated financial information, they alone will decide what options, if any, we have. Caliber has been difficult and rude. Under the present terms of our loan, we are supposed to assume a 20 year amortization. How can we understand our rights? I am XXXX and trying to assist my spouse in this matter. Please respond to XXXX of us at : XXXXXXXXXXXX XXXX XXXX XXXX ) and XXXXXXXXXXXX ( XXXX XXXX ). The home telephone number in Virginia is XXXX. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Lenzburg, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Federal Way, WA

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: Please review my attachments below and my correspondence with both HUD and FHA. Our MIP refund monies were not handled correctly nor given back to us how they should have, how we were promised, and how we were lied to about finding the monies and sending a check to us which did not happen. We closed on XXXX/XXXX/2015 and it took to all the way until mid XXXX before Caliber Home Loans would try and fix their mistake. We put our trust in them with handling our finance transaction and listened to their advise and our loan was not written correctly according to FHA guidelines. We would like to hear back from someone in regards to what is happening and what will happen about this situation please. We are filing a complaint against Caliber Home Loans with RESPA as well. There should be a penalty for what they have done and what we have had to go through with all of this. Caliber Home Loan kept our MIP monies that were due to credit or be refunded and after months of us looking into where our money was and contacting their corp. office, HUD, and FHA and filing complaints they finally just made a payment on our account towards the principle and told us that will have to do. What they did not only violated FHA guidelines but it was fraud. The first of this is what I submitted to XXXXXXXXXXXX which has opened a case for us against Caliber Home Loans. I have the attachments that are mentioned above it you would like us to share then. Caliber Home LoansBranch NMLS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX, Area Manager Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX worked with XXXX XXXX which is our neighbor and who was supposal lied to my her area manager and company on our refund or either she was lying to us herself in all the text and email messages.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-04

Beyersville, TX

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: my name is XXXX XXXX, for the past 12 month i been asking caliber loan mortgage for a loan modification.an, d a 3month trail period, but what they did put my loan in foreclosure.before review my information, i ask them to produce the note on my loan i belive it to be wrong when XXXX motgage sold them my loan.but caliber when ahead a foreclosure.is there a law that said that the mortgage company have to follow be for they foreclose on you. looking to see what answer you will get back from caliber home loan. thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Beachmont, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Fairfield, OH

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Vienna, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Caliber Home loans is continuing with the foreclosure hearing XXXX XXXX, 2015. The last complaint I filed with CFPB was to stop foreclosure and pay me the Respa money at closing when my house sells. Caliber is avoiding the response to you. This is not a duplicate. Thank you so very much.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Watkins, CO

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Dulac, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Ft Myers, FL

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I have been trying to get my mortgage service r to explain to me for 9 months why i owe more money then was agreed to when i modified the mortgage. They have hit me with force-placed insurance multiple times totaling XXXX even after i have shown them time and time again that i have insurance policy with my Home owners association. They keep saying they never got the policy that i sent them. They have also hit with Attorney fees as recent as XX/XX/XXXX. The total i owe them for differed interest is listed on the attachment i am sending you with this complaint. XXXX. This is the agreed terms of the modification. They are claiming i owe them XXXX. In addition to that they want {$2600.00} for the force-placed insurance. Now they have sent me letters that they have sold the mortgage again. I have reason to believe they are doing this to complicate matters further.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Washington, DC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years. Thanks, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Atlanta, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I received a loan from XXXX in XXXX, XXXX with a fixed rate in XXXX, GA and they sold the loan to XXXX in XXXX. I had been paying my payments until XXXX sent me a statement stating that my mortgage was going to be higher. I asked XXXX to validate my loan since XXXX and they could not provide me the information for the correct numbers from my loan from XXXX to XXXX. XXXX put my house in foreclosure XXXX times and I had to file bankruptcy to stop the sale and get more time to get XXXX to send me the correct documents. XXXX sold the loan to Caliber Homes and they too now have my house in foreclosure for XXXX XXXX, XXXX. I have been requesting for years from XXXX, XXXX for Caliber Homes to send me the correct numbers to validate the loan from XXXX and again I am going through the same thing. They sent me documents that date back to XXXX, Caliber Homes has no records of XXXX - XXXX and the numbers are very wrong. I filed bankruptcy XXXX XXXX, XXXX and Caliber Homes is not approving my Stay of Execution so we can continue the investigation. I have reached out to RESPA as well. I need to stop the XXXX XXXX, XXXX foreclosure sale date and have the mortgage company subpoenaed to get all of my records and make sure that they can validate my loan with the right numbers. XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Edison, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Southern Pnes, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-26

Manhattan, NY

Improper contact or sharing of info

Debt collection: Mortgage

Contacted me instead of my attorney
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Natrona Hts, PA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Three Bridges, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-25

Rncho Domingz, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Caliber Home Loans has filed a Notice Motion And Motion For Relief From Automatic Stay Under 11 U.S.C. 362 with supporting declarations XXXX XXXX. Movant : XXXX Bank Trust XXXX. for XXXX Master Participation Trust BY Caliber Home Loans , Inc., as its attorney in factThis action is based on XXXX months non payment which is in error.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-22

La Place, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Hampton, VA

Settlement process and costs

Mortgage: Other mortgage

Complaint: I still have unresolved issues with my first complaint along with new complaints see attached documents. We have refinanced with a new mortgage company. Please help us wth these issues that have remained inresolved with Caliberhomes mortgage.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

El Paso, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response