Caliber Home Loans, Inc.

2015-05-21

Chester, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Evergreen, CO

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Enfield, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-21

Three Bridges, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-21

Euclid, OH

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: The original loan was executed by the complainant and hi wife XXXX in XX/XX/XXXX in the amount of {$68.00}, XXXX with XXXX XXXX XXXX XXXX XXXX. As security for the note, the parties granted XXXX as nominee for XXXX XXXX. The note and mortgage were subsequently assigned to XXXX XXXX XXXX XXXX, who assigned them to XXXX XXXX XXXX Bank. In XX/XX/XXXX, the parties filed for a divorce with XXXX notifying XXXX XXXX XXXX XXXX that she would not be paying any mortgage payments. In XX/XX/XXXX, XXXX XXXX XXXX XXXX filed a foreclosure action in the Court of Common Pleas, XXXX County, Ohio in Case No. XXXX against XXXX XXXX, XXXX on the unpaid principal of XXXX. In XXXX XXXX, the Court granted XXXX XXXX XXXX XXXX summary judgment and the Complainant filed a Notice of Appeal on that judgment. In XXXX XXXX, the Complainant was contacted by Caliber Home Services with a bill that stated that I owed XXXX. Caliber also stated that it would modify the loan and restart the mortgage if I paid XXXX by XXXX XXXX, XXXX to Trial Period Management, which I did. On XXXX XXXX, XXXX, I was notified by the XXXX County Sheriff Department that my house is due for sale on XXXX XXXX, XXXX. I 've never heard from Trial Period Management and was waiting for correspondence from them when I received the notification of the sale.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Hialeah, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Paterson, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Rosenhayn, NJ

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I had a pay-option ARM loan that was originally with XXXX. This loan was later sold to XXXX XXXX XXXX. My loan was included as part of XXXX class action settlements, once from the state of Arizona and again through the National Mortgage settlement. For 6 years, XXXX XXXX XXXX refused to modify my loan pursuant to the terms of the court ordered settlement. On XX/XX/XXXX my loan was sold to Caliber Home Loans. I sent copies of all court documents to Caliber and asked them to comply with the court ordered settlement. On XXXX XXXX I received a letter from Caliber stating that " Caliber has no affiliation with the defendants referenced in the documents. As such, we are not able to address the matter '' I find it hard to believe that I lost all of my rights under the settlement agreement just because XXXX XXXX XXXX sold the Loan to Caliber. Especially since I received a letter from Caliber on XX/XX/XXXX that specifically stated " The transfer of servicing of your mortgage to Caliber will not affect any term or condition of your mortgage '' Caliber refused to provide a single point of contact and I spent many hours on the phone talking to multiple people. I was frequently promised call backs from supervisors and representatives that never occurred. I was told my loan was going to be reviewed by a legal department but it never was. My loan was dual tracked while I was applying for a loan modification in direct violation of the court order. I did submit all required documents to Caliber for a loan modification. I was told by XXXX ( ID # XXXX ) on XXXX XXXX that Caliber had recommended a loan modification to the investor and that they were waiting for the investor to approve it. XXXX also stated that I would be contacted by the manager XXXX ( ID # XXXX ). XXXX never contacted me. On XXXX XXXX I received a call from XXXX ( ID # XXXX ). She informed me that my modification was declined. She stated that no other options would be made available to me and that my home would foreclosure on XX/XX/XXXX. Due to the dual tracking of my loan I have no time left to dispute the foreclosure which will occur tomorrow.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Pottstown, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-18

Mount Airy, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me? Thank you. Please : this is not a " Duplicate '' request. Numerous offers have been made to buy my home.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

LA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have been fighting a fraudulent mortgage situation for over 4 years now. Original lender claims to have sold the loan in XX/XX/XXXX. Caliber Home Loans claims to be the new servicer. Servicing transfer took place in XX/XX/XXXX. Caliber began sending me monthly statements in XX/XX/XXXX. Prior to the loan being sold, original lender filed a foreclosure action against me, which I contested and it is now sitting dead in the courts. Caliber has taken NO legal action regarding this account, and I have confirmed this by speaking with Caliber 's claimed attorney and also by checking routinely with my court clerk 's office. In other words, the " foreclosure '' status of this account has always been the same since before Caliber began contacting me. I have many disputes with Caliber, but Caliber has either ignored my disputes completely or has responded by answering questions that I have never asked. Caliber stopped sending me monthly statements after XX/XX/XXXX, and when I have asked about this, Caliber states to me that they can not send me a statement because they claim to be actively foreclosing on me. Again, I have spoken to Caliber 's own attorney, and have confirmed that Caliber has not taken ANY action against me whatsoever. I mentioned Regulation Z to Caliber, and how it requires them to provide monthly statements regardless of foreclosure status, because foreclosure status is not listed in the law as an exemption. The loan is a conventional loan, so the statute applies. I have not filed bankruptcy, and Caliber is not a small mortgage servicer under the law 's definition. Caliber refuses to provide me with monthly statements. I did just receive an " informational statement '' which appears to be what is provided when the consumer has filed bankruptcy, but again, we have not filed BK. This statement does not include much of the information that Regulation Z requires servicers to report to the consumer on periodic statements. I called Caliber today to ask about this, and was told that the statement was generated due to a payment that was made on the account. I did not make the payment they are claiming. I am concerned about the lack of monthly statements because Caliber has shown a pattern of adding fees and charges to this loan that are not legal, and without the monthly statements, I can not keep track of what is happening on that front. Caliber also has a history with me of changing their story on a constant basis, so that information provided today contradicts Caliber 's own earlier provided info. I am in the process of trying to resolve several other disputes with Caliber, but at this time, I am only disputing the issue of the monthly statements here with the CFPB. Caliber is required to provide this documentation to me in accordance with Regulation Z, as amended in XX/XX/XXXX, and is refusing to do so.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-16

Palmerton, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX/XXXX/15, I wrote a check to Caliber Home Loans for a mortgage payment of {$1800.00} for my mortgage payment. Someone from Caliber Home Loans physically wrote /altered my check and wrote {$2800.00} below the amount on the check although it clearly states {$1800.00} on my check. My bank ( XXXX XXXX cleared the check for {$2800.00} which caused fees and overdrafted my checking account and held my money for days. I personally went to the bank and they advised me that they sent the check back for a " coding error ''. ( I pointed out to the XXXX bank manager that it is not legal to alter a check. They did not seem to care XXXX, however, the check should have been destroyed.I further notified Caliber to report the problem. Although I was contacted, they were not at all helpful and did not seem to care that XXXX of their representatives fraudulently altered my check. I thought the issue was resolved, however, on XXXX/XXXX/15. the SAME check reappeared debited out of my bank account to which it says " this is an image of a check which was reported missing or destroyed. I again contacted my bank to which I was charged fees etc. who put a stop payment on the check as I requested. The bank did not seem concerned in the least that a photocopied check was submitted although their own checks reveal that checks that are altered or photocopied should not be cashed. I then contacted " XXXX XXXX '' from Caliber Home Loans who stated that she looked into the matter and reported that " it was an oversight or accident '' that someone wrote on the check, however, claimed Caliber never sent in the check again for processing. On XXXX/XXXX/15. I received a letter from Caliber that I was charged money for the " dishonored '' check. I also noticed an additional fee on my mortgage statement. I was not the one who altered the check nor caused this situation. Any other individual who altered a check would be arrested!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-15

Dr Martin Luther King Jr, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Florence, KY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Matteson, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

FL

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Matteson, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Matteson, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Pinellas Park, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Vancouver, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Oro Valley, AZ

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Harrisville, NH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I am a HUD Housing Counselor working with a client whom has aXXXX XXXX loan, serviced by Caliber Home Loans. I have been activelypursuing a loan modification since XXXX 2015. For the last XXXX months theunder writing department has been requesting " additional " documentsweekly, which extends the time frame and out dates recent pay checks, bank statements, etc. This in turn creates in the servicers eyes an " incomplete '' request.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Kawaihae, HI

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response