Caliber Home Loans, Inc.
Consumer Complaints
There are over 3498 complaints on file for Caliber Home Loans, Inc.. Dated between 2019-12-02 and 2012-02-14.
Complaints Page 35
2017-11-15
Patterson, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In the closing documents provided to me by Caliber Home Loans, Inc. ( CalibeXXXX XXXX immediately before the date of my mortgage settlement, I was informed that my total monthly mortgage payments for years 1-7 of my mortgage loan would be about {$890.00} and decrease thereafter. Of this amount, about {$200.00} was estimated to be necessary to cover my escrow requirements. I recently received information from Caliber, however, that indicates that my escrow payment was not estimated correctly and there is a shortage in my escrow balance. To make up for this pervious shortage and to account for future shortages, Caliber has increased my escrow payment by about {$350.00}. When I called Caliber to inquire about this matter, I was informed that the initial disclosure documents provided at settlement only contain estimates and its rather common for those amounts to increase in the future. I was also told that the shortages may be due to a tax miscalculation done by Caliber before the date of my settlement.
Such a response is unacceptable. While escrow payments may increase due to slight tax fluctuations in future years, I fully expected that the initial disclosure provided to me by Caliber at settlement was accurate, especially given that tax information is publically available and CalibeXXXX billed me for a XXXX XXXX XXXX. An increase of about 173 %, however, in the escrow payment is material and Calibers failure to disclose a reasonably accurate escrow payment at closing was a material misrepresentation and/or omission.
Company Response: Closed with explanation
2017-11-15
Brooklyn, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-14
Amenia, NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-13
Saint Clair, MO
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I called my mortgage company ( Caliber Home Loan ) XXXX XXXX and told them that I know my modification will end in a couple of years and I wanted to proactive and try to do something early. I told them the homes in my area are declining and that my neighbors are buying homes for XXXX XXXX, and my balance is XXXX XXXX XXXX XXXX plus. The agent asked me if they make me an offer to buy the house at the fair market price would I keep the home, ( I told them I was going to find another home less expensive )?
I said yes .She said get a preapprove loan from another lender and send in a hardship letter. I did just that in XXXX and XXXX. The first one they denied because when they sent the appraiser out the value was XXXX XXXX XXXX and I offered XXXX XXXX XXXX. I told them okay, I will do it XXXX XXXX XXXX. They told me to resubmit it again along with hardship letter. I did as they told me. Never heard anything from them again on this matter. On XXXX XXXX XXXX I received a letter from them about modification they also sent one in early XXXX. I called them the earlier part of XXXX and told them I wanted to continue the modification or short sale but right now I am in the process of burying my husband he died expectantly XXXX XXXX. They expressed their condolences and said ok. I received a letter on XXXX XXXX from their lawyers 9 XXXX XXXX and XXXX XXXX saying they are foreclosing on XXXX XXXX XXXX. Right now I am so devastated the loss of my husband and now dealing with this. I kept asking them about the previous offer, no one can answer my question it 's like they are blaming each department. Spoke with XXXX ID # XXXX in XXXX XXXXSent her information that they should 've already had. Spoke with XXXX ID # XXXX on XXXX XXXX XXXX XXXX he could n't explain transferred me to his supervisor XXXX ID # XXXX. She looked in the system and said from what she see they gave me an offer back in XXXX for XXXX XXXX XXXX XXXX dollars. I told her that did not happen. She looked again and said yes I see. She then said I see your offer for XXXX XXXX XXXX I wonder why they did n't respond to that. She said I will forward this over to another XXXX name XXXX XXXX ID # XXXX property solution manager and see what she says. Have not heard anything yet and XXXX is approaching. What I would like to happen is, they give me the offer to buy at fair market, or give me time to find somewhere else to live. My XXXX XXXX XXXX dad is living with me also. Please help me I am so exhausted.
Company Response: Closed with explanation
2017-11-13
South Florida, FL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.
Company Response: Closed with monetary relief
2017-11-12
Mabank, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: The company has changed hands three times and my escrow information is incorrect they have not gotten this straight and have harrssed and caused me to loss tenants and cause me extreme stress and my balance is incorrect. I have documents to prove it but can not get them to listen.
Company Response: Closed with explanation
2017-11-11
Lewisville, TX
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX See above Complaint. Please note that on XX/XX/XXXX, The Judge signed " Order to Foreclose '' on my legally homestead property. The Judge did not review any of my evidence that was submitted during that hearing. The XXXX Master Participating Trust, XXXX XXXX, XXXX. Trustee and Caliber Home Loans, Inc. sent letters in XX/XX/XXXX through XX/XX/XXXX notifying that XXXX XXXX would no longer be the owner or servicers.
The Instrument filed to record the transfer and assignment date XX/XX/XXXX is not recorded correctly on XX/XX/XXXX.
I will upload the next complaint in which it shows they paid a fine and class action regarding the 2 class actions brought against them. They have modified payments and contracts without my signature and/or approval.
Company Response: Closed with explanation
2017-11-10
Burbank, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.
Company Response: Closed with explanation
2017-11-08
IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XX/XX/XXXX, I filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.
Company Response: Closed with explanation
2017-11-07
Mem, TN
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I have requested a modification on my 1st and 2nd mortgage which are interest only loan. I received 1st and 2nd modification agreement from Caliber Home Loans that limited-term loan modification that are not good terms for a modification and they are only good fro 1 yr where the payments will reflect a estimated payment based on the terms of an adjusted rate loan which will be higher which will give me a new monthly principal and interest payment, This is not a good modification agreement and it will put me in a worse position then I am already in,
Company Response: Closed with explanation
2017-11-07
Hollywood, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-07
Garden Grove, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-07
Neotsu, OR
Closing on a mortgage
Mortgage: Other type of mortgage
Complaint: I started the process of refinancing to cash out equity with XXXX XXXX XXXX on XXXX XXXX, XXXX. I was told that I called in at the " perfect time ''. The lender was offering a 2 % lender credit with a rate of 3.85 %. Plus the loan officer found a way to get the lender to pay for an appraisal. My appraisal came in and everything looked great. We were then informed that our loan amount would put us in a jumbo loan and that the rate would be much higher, no lender credits would be given and the {$1000.00} appraisal is now on us to pay at closing. I feel like this is bait and switch. The facts on our end have n't changed. Also to be noted is that the switch happened nearly a month in and it 's now been 56 days with still no closing date in sight.
Company Response: Closed with explanation
2017-11-06
Oxford, GA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Hello. I have a foreclosure sale and I need assistance with stopping it.
Company Response: Closed with explanation
2017-11-06
Foothill Ranch, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX, XXXX, I applied for a Mortgage loan with Caliber Home Loans to refinance my home and I specifically spoke to XXXX XXXXLoan officer.
XXXX asked for all necessary documents to start processing my application, all of which I provided as requested. Unfortunately as required by Law, I never received the initial disclosures within 3 business days of Application receipt Date or a Credit Decision within 30 days of application date.
On XXXX XXXX XXXX XXXX contacted me and said that my loan application had been approved and will be sending me initial disclosures.
On XXXX XXXX, XXXX, I received initial disclosures from Caliber Home Loan but was asked to back date the disclosures 3 months back to when I initially submitted the application! LE of GFE not among the initial disclosure package provided by Caliber. I called/emailed the Loan officer asking for my LE and he said it will provided as soon as he gets it. I still have n't gotten my Loan Estimate.
One month passed by without hearing from Caliber and on XXXX I was shocked to receive a Notice of Denial from Caliber stating that my loan was denied due to : Credit Application Incomplete. This is simply not true, I never received a Needs Letter from Caliber however I did receive an email confirmation from the Loan Officer stating that my loan was approved. I am so disappointed by Caliber Home Loans unethical business practices. It 's evident that mortgage companies such as Caliber did not learn anthing from XXXX mortgage crisis and surprised that it is still in business.
Company Response: Closed with explanation
2017-11-06
Brentwood, TN
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-11-02
Brooklyn, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-02
Burbank, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.
Company Response: Closed with explanation
2017-11-02
San Jose, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-02
Palos Verdes Estates, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-11-01
Gretna, LA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Me and my wife bought our home in XXXX XXXX. My wife was laid off from Caliber Home Loans on XXXX/XXXX/XXXX. Caliber Home Loans cause a lot of problems for her after they laid her off. She had a problem with getting my payroll check which is to help pay the mortgage. So we fell behind. At the time I was only delinquent for XXXX XXXX. So I called in XXXX XXXX and tried to get a XXXX XXXX. I started sending in the paperwork they requested to obtain the loan modification. After I would send the paperwork, I would call and the Caliber Home Loans rep would say it takes 5 days to review the documents. So I would call back after 5 days and the Caliber Home Loans rep would say some documents was missing. I did this Over and Over and Over again with Caliber Home Loans Person of Contact, which was different people every time. At that time, my house was not in foreclosure. But due to Caliber Home Loans giving me the runaround, my house is now foreclosure. Countless of times, I receive letters in the mail dated the same date asking for different documents. See attached documents showing that. Now my wife has a job and all we want is to keep our home and get a loan modification to get back on track. Caliber Home Loans claims to be recording all conversions so please ask them for the recorded conversions my wife had with countless Caliber Home Loans reps.
Company Response: Closed with explanation
2017-11-01
Gretna, LA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Company Response: Closed with explanation
2017-10-31
Poolesville, MD
Trouble during payment process
Mortgage: VA mortgage
Complaint: Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.
Company Response: Closed with explanation
2017-10-30
Lewisville, TX
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX.
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner.
I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX.
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX
I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX.
I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest.
XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments.
PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.
Company Response: Closed with explanation
2017-10-30
Fairfield, CT
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation