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 36
2017-10-30
Hillsdale, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-30
Lincoln, NE
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have had my mortgage loan serviced by Caliber Home Loans , Inc for over 3 yrs, and have always paid on time, and have added add'l principal to the required payment. I have always used my online bill pay. I set up automatic payments at the time that I took the mortgage out, through XXXX XXXX, and I can verify that the payments have gone out on time, EVERY month, with add'l principal payments.
On XXXX/XXXX/XXXX, I received notice from XXXX XXXX that my payment had been returned. I called, as I was surprised that my payment was being mailed. It was, as they said that Caliber will not accept electronic payments, ( which seems antiquated ). XXXX XXXX could n't tell me why my payment was returned, so I had to reach out to Caliber Home loans. I tried to call, and was n't able to get anyone to pick up. So I managed to log onto their website, and sent a request to verify why my payment was returned. I have an automated response from them on the XXXX of XXXX, stating that they would reply to me within 5 days. Again, I still have a copy of that email, but I did n't get a reply. I verified that it did n't go to my spam folder. NO RESPONSE, I know, shocking!!!!
So I was finally determined to call in and find out why my payment was returned, so I blocked off an hour of my time to stay on hold an get through. I did eventually get someone to answer, and he explained that they had changed the mailing address during the previous month. He claimed that they sent a notice to my bank that they had changed the address to a P.O. Box. I tried to change the address on my bill pay, but it would n't allow me to enter the address that he gave me. So I called my bank, XXXX XXXX, and I was fortunate enough to get someone who then called Caliber to find out why the payment was returned. We were on the phone together, and were told a different address, and told that the reason my payment was returned was because the account number referenced on the check was incorrect. So we updated both the address and the account number, and resent the check through my bill pay on XXXX/XXXX/XXXX.
I received a collection notice a couple days ago, so I called and was told they had received my payment, and that there had been no penalties. I then asked him to go through the last few transactions, and was shocked to find that I had a smaller amount applied to 'additional principal ' with this payment, then with the previous months payment. Upon that catch, the rep, XXXX ( # XXXX ) stated that I WAS in fact charged a {$35.00} late fee. I asked him to have a someone call me back, this was on Fri the XXXX, only one business day prior to today. Today, I rec 'd a statement that again reflected that my previous months payment had n't been made, and it DID reflect that late fee on it. So I took the time to call again .... Determined to be refunded the {$35.00} fee that I should n't have been charged.
Today, the rep told me that I should have noticed the address change on my monthly statements, and that it was n't their responsibility to let me know that they had changed their address. I confirmed that I have the correct address and account number in my bill pay software, and expect the payment that my bank is sending today, will be applied on time.
I ca n't believe the nerve they have to fail to respond to my electronic request sent through their website, on XXXX/XXXX/XXXX, the day after I rec 'd notice that my payment was returned. I have confirmed that they did n't respond to that, and I waited 5 business days to call, just as their automated response email said to. I am also appalled that a loan servicing company does n't accept payments electronically. Either way, I 've done all that I could to get the montly payment to them on time, and for more than the amount due for the past 3 years. I am determined to not pay a late fee, as I tried everything, to get their payment to them, on time ; despite the fact that they changed the address and did n't bother to send me a notice.
Company Response: Closed with monetary relief
2017-10-27
FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I made my first mortgage payment to Caliber Home Loans, which included an additional principal payment of {$420.00}, which was credited to my account. The unpaid principal balance following this payment was {$650000.00}.
On XX/XX/XXXX, the loan was set up with XXXX after having been sold to them by Caliber.
On XX/XX/XXXX, XXXX created a statement showing an unpaid principal balance of {$650000.00}, which is approximately {$420.00} less than the closing balance with Caliber. This is essentially the amount of the additional principal payment.
On XX/XX/XXXX, I contacted XXXX and was advised the balance number they received from Caliber was {$650000.00} and that I should contact Caliber.
On XX/XX/XXXX, I contacted Caliber and was advised they were unaware that XXXX even had the account! I was advised that the transfer would not actually take place until XX/XX/XXXX.
I have since attempted to follow up with Caliber for additional information/clarification/assurances via fax and social media, but have received no response.
Company Response: Closed with explanation
2017-10-27
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-27
Sebring, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all.
Now Caliber is pursuing me in the courts
Company Response: Closed with explanation
2017-10-26
CT
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My mortgage Company, Caliber Home Loans, refuses to accept on-line, over the phone or a regular check payment from me for the next 12 months or longer ( if they decide ). I must make certified bank payments to them for the next 12 months. I had initially had made on-line payments and then changed to an Auto-pay plan where they directly withdrew funds from my checking account. I was trying to get in good standing so that I could re-finance. In XXXX 2017 I had trouble with making the payment on automatic withdrawal date and called Caliber Home Loans to try to change the date or cancel the auto payment so that I would not have over draft fees or situation. The company representative said they could do that and I could send a check in with a late fee or make my payment on-line. Unfortunately, they attempted to withdraw the funds anyway and I was charged an overdraft fee by my bank and the bill was not paid. I called the mortgage company and they told me there was nothing they could do about it, it had been too late to change the date when I requested it. They told me the only option I had was to pay the amount owed. They proceeded to resubmit the automatic payment again, and again, even though I had asked them not to. I spoke to the bank and they said the only thing they could do was a " stop payment '' for Caliber home loans to avoid further fees. I asked if this would affect future payments and the bank said it would for 30 days. They stated I could get a bank check to pay the mortgage in the interim. I did that. The next month I attempted to pay my mortgage payment on line but they would not allow it. I sent a check in the mail. The check was returned. ( after almost 30 days ) I thought this was because of the stop payment, but it was n't. It was because the mortgage company wanted a bank check due to the stop payment on the automatic payment and they considered that a " returned '' check. I called the mortgage company a number of times when the funds were not credited to my account and they did not tell me they were returning my check in any of the conversations. They stated they " had not received '' anything from me. I then went back to my bank and asked if they could assist me in the situation and they recommended I make my payments through their -on-line Bill pay. I explained I needed proof that the funds were sent and that Caliber needed a bank check. They said they could do this. We tried this and again Caliber refused the check, but instead of informing me they could n't accept the payment from XXXX XXXX, they said they " did not receive '' a check from XXXX XXXX. In order to fix the situation I have had to pay additional funds every month to have ( double payments ) certified funds AND proof that I sent the funds. I now have late payments for XXXX, XXXX, XXXX, XXXX, XXXX. I paid all late fees and bank fees for certified funds, I have additional mailing expenses and this is unfair. I believe Caliber Home Loans has acted fraudulently by telling me they would not withdraw the funds and could stop the automatic payments in XXXX. I believe Caliber Home Loans has acted fraudulently by not informing me that they physically received my attempted payments ( and held them ) for more then 15 days, by not informing me that I had to have certified funds on the VERY XXXX occasion they refused to accept my check in XXXX. I believe they are intentionally causing a difficult situation for me to pay them in order to keep me from refinancing with another mortgage company and to possibly put me into a state of foreclosure. I have tried to be as compliant as possible and they have done their best to make things difficult. The only way I can get back in good standing is to make 2 Certified Bank payments in XXXX, not to catch up, but to be ahead 1 month so I wo n't incur any late fees while they take their time receiving and processing my certified funds sent with XXXX tracking with Signature.
Company Response: Closed with explanation
2017-10-26
Simi Valley, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX of XXXX, I received a notice that I had paid my mortgage short for the XXXX XXXX statement. I sent in the remainder of the payment amount and upped my mortgage payments to cover the new higher amount.
Today, while speaking to customer care about an amount due, I found out that my mortgage amount had actually gone up in XX/XX/XXXX ( XXXX XXXX statement ) and no one had told me. Speaking to customer care it became apparent that they were not sending me my e-statements or notices of said statements. They also did not send me my escrow analysis.
The customer service agent was unable to find the statement I had paid short or explain why they were charging me an additional overage. They would not transfer me to a supervisor to discuss the issue. My statements prior to XX/XX/XXXX were unavailable online. Checking my email history ( including trash and spam ) I was only able to find one notice that they had ever sent regarding an e-statement online. Checking their electronic statement option, it did not have a disclosure that
Company Response: Closed with explanation
2017-10-26
Woodland, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.
Company Response: Closed with explanation
2017-10-26
Rochdale, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: OnXX/XX/XXXX we submitted a package to process a short sale with Caliber Home Loans via XXXX and the interior valuation was completed the same week. the value came back at {$280000.00} and the servicer ( Caliber ) provided me a copy of it on XX/XX/XXXX.On XX/XX/XXXX we submitted an engineer report along with an explanation letter to have them review the value of the property. they basically used fully renovated properties as comparables for a property that will need a lot of work due to the major issues that require major repairs.we marketed the property on websites such as XXXX, XXXX, XXXX, etc and we were not able to get an offer on the property on the range requested by the investor.After meeting all the investor requirements i received the following message from XXXX XXXX XXXX on XX/XX/XXXX : I would like to take this opportunity to tell you about a change in policy and how this change affects this property.
As you are aware, all short sales are subject to lender approval.
This account is no longer eligible for a short sale and we will not approve a loss.
A full payoff will be required.
We appreciate how hard you have worked to help our mutual client avoid foreclosure, and do n't want you to spend any more time on a short sale that is not available.
If a full payoff is not an option, we encourage you to assist the homeowner to agree to a Deed in Lieu, rather than a short sale.
There is currently {$14000.00} incentive available for the homeowner for a completed Deed in Lieu. Attached is a Deed in Lieu application for the homeowner to complete and return to my attention at [email protected] or contact us at XXXX to discuss.
If the homeowner wishes to pursue retentive options to remain in the property, they may contact our SPOC department at XXXX for other alternatives.
Basically, without any warnings or notifications, the investor decided to denied the short sale option to the home owner unilaterally and we basically wasted more than 2 months complying with everything they asked for. Also, I am checking reviews from other agents and i see that this has become a common practice from this servicer. I truly believe these abusive practices have to be regulated by the federal government to stop this investor from doing more harm to the people that are currently in a hardship situation.
Company Response: Closed with explanation
2017-10-26
WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Inaccurate information being reported to credit agencies. Reported that account is 120 plus days late. Account was in good standing, now is paid in full. Multiple calls get no response.
Company Response: Closed with explanation
2017-10-25
Key Biscayne, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-24
Wonder Lake, IL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?
Company Response: Closed with explanation
2017-10-23
Indianapolis, IN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues.
Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage.
Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..
Company Response: Closed with explanation
2017-10-23
Beemerville, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-23
Haymarket, VA
Trouble during payment process
Mortgage: VA mortgage
Company Response: Closed with explanation
2017-10-23
Loganville, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-10-20
Bellaire, TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already.
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation.
my score was XXXX and today XXXX is XXXX.
I checked all my reports with XXXX XXXX XXXX XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus.
talked to them and said that this is something I have to deal with the credit bureaus, not with them???
WHEN they offered me that program, I asked if that was going to affect my credit and was told no.
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??.
I do not know what else to do, but I feel that they are discriminating against us.
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation.
IAppreciate the attention to this matter.
XXXX XXXX XXXX
Company Response: Closed with explanation
2017-10-20
Cherry Brook, MA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-19
San Jacinto, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-18
Windham, NH
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: IT IS MY ASSERTION, BASED ON THE FOLLOWING FACTUAL INFORMATION THAT CALIBER HOME LOANS VIOLATED MY RIGHTS AS A CONSUMER, BORROWER AND MORTGAGOR, VIOLATING THE COVENANTS IN GOOD FAITH AND FAIR DEALING, RESULTING IN LOSS OF MY CONTRACT.
1. On XXXX/XXXX/XXXX, I received a letter from Attorneys representing the original lender stating You are listed as a Borrower, but did not sign the Mortgage.
2. On XXXX/XXXX/XXXX, XXXX XXXX made the attached order to Reform Mortgage to include myself, XXXX XXXX, as Mortgagors and Borrower. This judgement allowed for me to discuss MY mortgage, apply for modification, using my current financial information, receive receive assistance from a HUD approved housing counselor and any/all foreclosure prevention and alternatives.
3. While XXXX, my services, exhibit bad-faith conduct in failing to properly consider an application for a loan modification, forcing me over the years to submit application after application, never receiving a definitive answer. Ultimately, having to seek the courts intervention to enjoin the mortgage. I was given a figure of {$1700.00} as a mortgage payment via court order on XXXX/XXXX/XXXX ( see attached court order ).
4. On XXXX/XXXX/XXXX correspondence was received from my servicer, XXXX, stating PMI s insurance is no longer required and there will be no further premiums or fees due. I repeatedly tried to contact XXXX to ask if I deduct this amount from the {$1700.00} and received no response.
5. On XXXX/XXXX/XXXX, correspondence was received regarding notice of SALE OF OWNERSHIP OF MORTGAGE LOAN from Caliber Home Loans , INC . The letter statedCALIBER IS THE SERVICER OF YOUR LOAN. The letter instructed that ; IF I MAKE A MONTHLY PAYMENT LESS THAN THE FULL AMOUNT THAT IT CALLED A PARTIAL PAYMENT. PARTIAL PAYMENTS WILL BE ACCEPTED AND REQUIRE THE SERVICER TO APPY THEM TO YOUR LOAN.
My partial payment of {$1400.00} was returned to me, making Calibers assertion of accepting partial payments and requiring the SERVICER to apply them to the loan FALSE AND MISLEADING.
6. I continually tried to contact Caliber Home Loans, to rectify the situation immediately. Calibers first response, not addressed to myself, stated that Caliber, is honoring my request to my SERVICER, to cease and desist communications. I never requested this of XXXX and Caliber offered no documents supporting the cease and desist.
7. On XXXX/XXXX/XXXX, I was finally able to contact a representative via telephone, from Caliber, who said while she unable to discuss my mortgage with me, stating I am not the BORROWER, she was referring me to customerresolutions @ caliberhomeloans regarding Caliber Home Loans, Inc, continued refusal to communicate with me regarding my mortgage and foreclosure alternatives.
8. 7. Correspondence was received via XXXX on XXXX/XXXX/XXXX from Caliber, stating a customer has the right to submit a written notice of ERROR to the SERVICER of their Mortgage 9. On XXXX/XXXX/XXXX, after the foreclosure, correspondence was received from Caliber, acknowledging receipt of my correspondence, and that Caliber would perform the necessary research and respond within the time period required by LAW.??
CALIBER FORECLOSED ON MY HOME WITHOUT PERFORMING THE NECESSARY RESEARCH AND RESPONDING AS REQUIRED BY LAW. ANOTHER FALSE AND MISLEADING STATEMENT.
Reasonableness should be shaped by identifying the " purposes of the contract, '' the parties expectations, and " community standards of honesty, decency, and reasonableness. '' CALIBER simply exercising the discretion to foreclose may be evidence of bad faith, while ignoring the COURT ORDER NAMING ME as both BORROWER AND MORTGAGOR, refusing communication, counseling, prevention and alternatives to foreclosure, resulting in loss on my contract and impending homelessness for myself and my sons.
Company Response: Closed with explanation
2017-10-17
Key Biscayne, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: 1. XXXX XXXX, XXXX we received a trial modification from this servicers attorney @ XXXX XXXX in XXXX XXXX, FL attached are 3 pages. We made the 3 trial payments on which the principal balance was {$400000.00} however the escrow was miscalculated using force placed insurance amounts i have removed this force placed coverage with new insurance the reduces PITI payment about $ XXXX. The first 2 pages were sent in with payment & the correct escrow calculation amounts noted in my handwriting, servicer & attorney refused to correct this matter.
2. XXXX XXXX, XXXX servicer has hired some new attorney XXXX XXXX in XXXX, Fl out of the blue to illegally change the previous agreed to modification above dated XXXX XXXX, XXXX increasing the principal balance some {$15000.00} while continuing to intentionally miscalculate the higher escrow amount & refusing to do anything to correct it. Attached is this 2nd document. This XXXX XXXX said to sign it or servicer told them to foreclose on us so we have been forced to sign this document knowing its wrong under pressure of foreclosure while plaintiff possess a proven forged original note & mortgage proven by forensic expert reports.
3. This home was affected by Hurricane Irma & servicer was advised. There is a federal FEMA forbearance order which declared the state of Florida a disaster zone yet this wrong forced modification says we MUST pay by XXXX lst or else.
Company Response: Closed with explanation
2017-10-17
Amity Harbor, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-17
Jacksonville, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-17
Bohemia, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time.
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing.
She is now facing a foreclosure sale date on XXXX XXXX, 2017.
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month.
This home is all that she has of the life that she once knew before her husband XXXX XXXX
Please help her.
Company Response: Closed with explanation
2017-10-17
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with monetary relief