Caliber Home Loans, Inc.

2017-08-15

Windsor Castle, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-12

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I have a loan serviced by Caliber Home Loans, Inc. ( Caliber ). It has recently settled a lawsuit involving allegations that Caliber, or an entity on Calibers behalf, called people on or after XXXX XXXX, 2011 on their cellular telephone lines using an automatic telephone dialing system or artificial or prerecorded voice. Caliber has agreed to pay {>= $1,000,000} into a fund from which eligible persons or entities who file claims will receive cash awards. I have still not been contacted by them regarding this class action settlement. CALIBER HOME LOANS SETTLEMENT CLAIMS ADMINISTRATOR XXXX XXXX XXXX XXXX, RI XXXX
Company Response: Closed with explanation

Timely Response

2017-08-11

Blue Springs, MO

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-10

Baton Rouge, LA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-10

Collierville, TN

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.
Company Response: Closed with explanation

Timely Response

2017-08-09

Dinsmore, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-08

Biron, WI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-08

Plymouth, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX my wife was diagnose with XXXX XXXX .had a XXXX XXXX and we struggled making our mortgage payment to XXXX XXXX, we fell behind in XX/XX/XXXX and ask for a modification, that process dragged on until XX/XX/XXXX, XXXX then turned our mortgage over to caliber home loans, so for 6 months that it dragged on and finally we where approved for a modification trial which started in XX/XX/XXXX, we sent in 1 payment, at the time of the modification process we where also offerd a deed in lew of forclosure for XXXX, due to my wife going through XXXX treatments she developed XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX, so we contacted Caliber and ask if we could do the deed in lew which would help us move to a warmer climate ( Florida ), they said we could so we took them up on the offer, they said some of the XXXX was to pay off exsisting leins against the house which would leave us with about 10,000 dollars, I had a job opportunity so we moved in XX/XX/XXXX 1 month after the deed in lew process was ok 'd by Caliber, Caliber keep sending me letters an said they where still working on the lien details and may not have enough time before the XX/XX/XXXX forclosure date, in XX/XX/XXXX we surrendered the house to Caliber in good faith, and they jerks us around for 6 months saying they where working on finalizing the deed in lew, we had filed for a mediation hearing in XX/XX/XXXX to delay the forclosure for 1 month they said they should be able to settle before that.that time has come and gone and we still have not received a settlement. to this day the house is still empty, the house has been vandalized or homeless people living in it, I'am receiving threatening letters from the liens that where supposed to be paid off by Caliber, I cant afford a lawyer so I was hoping you can investigate this matter, thank you.my name is XXXX XXXX XXXX XXXX XXXX , XXXX Florida, phone XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-08-08

Colfax, IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement ( NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX. Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to- face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )
Company Response: Closed with explanation

Timely Response

2017-08-08

Biron, WI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-06

Cheverly, MD

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have made several attempts over the past few months to have Caliber and XXXX to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. Caliber 's last report date was XXXX XXXX, 2017. Is there a reason why XX/XX/XXXX and XXXX 2017 reporting was n't made on this date ( XXXX XXXX, 2017 ), when in fact Caliber is responsible for reporting on the XXXX of each month? Per my reporting via XXXX pulled on XXXX XXXX, 2017, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 were left blank without a reporting status. XX/XX/XXXX - XXXX 2017 should all reflect as " paid on time '' not NR for No Reporting or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that Caliber correct and update the reporting of my on time payments for the months of XX/XX/XXXX - XXXX 2017. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-06

Waterford, PA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-08-05

MA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Complaint: I currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter XXXX in XX/XX/XXXX that is the reason. I explained to the mortgage company we have been legally divorced since XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter XXXX with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since XX/XX/XXXX .
Company Response: Closed with non-monetary relief

Timely Response

2017-08-03

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX I signed loan number XXXX for $ XXXX with XXXX XXXX, and soon after they filed BK in New York. The then servicer XXXX promised me a no cost loan modification with the Federal Government HAMP program. I have made all my payments to all the servicers including XXXX XXXX loan number XXXX on time and was never late, therefore I received Principal payments from the Government which were never applied correctly to my loan. In XX/XX/XXXX I got divorced and had to file BK. My non negotiable instrument somehow allegedly changed hands from XXXX Loan Number XXXX to XXXX loan number : XXXX to the recent Caliber loan number XXXX. Now I have come to understand via a ruling of the State of California that chain of title has been broken and that my contracts have been breached. Therefore I have had to hire the Consumer Law Attorneys to investigate my loan and attach a signed authorization for Caliber to send them all the requested documentation as soon as possible.
Company Response: Closed with explanation

Timely Response

2017-08-03

Orlando, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-08-03

CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: The lender failed to comply with Regulation X, 12 C.F.R. 1024.39 ( a ) by failing to make live contact with XXXX XXXX prior to referring his loan for foreclosure. It is further alleged that the lender failed to send the Post-Foreclosure Referral Notice required by Section 12 C.F.R. 1024.39 ( b ). - There were also no notices received by XXXX XXXX stating that the BK he filed had been dismissed and a foreclosure sale was set on the property. We have requested the rescission of this foreclosure action and the review of a loan modification to take place based on an improper Foreclosure action that occurred.
Company Response: Closed with explanation

Timely Response

2017-08-03

Nyc, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a mortgage with Caliber Home Loan. I have an automatic recurring payment set up so my payments are automatically made XXXX of every month. This XX/XX/XXXX, I changed my recurring payment to twice a month because my salary is paid twice a month. Since interests are calculated with daily accrual, I thought it would save some money. However, Caliber held on to the payment that was made on XX/XX/XXXX and applied the payment with the next payment on the XXXX of the following month. I was surprised by that and I thought that was an inefficient use of cash. So in XX/XX/XXXX, I changed the automatic payment back to once a month expecting it would either make a payment on XX/XX/XXXX or make two payments in XX/XX/XXXX and start making one payments per month from XX/XX/XXXX. However, it skipped XX/XX/XXXX 's payment entirely and made one payment in XX/XX/XXXX. As a result, I was charged with a late fee and potentially I will see a delinquency on my credit report. This is insane. I paid the delinquent amount back immediately on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-08-03

Longwood, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-02

Fort Worth, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-01

Suffolk, VA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2017-07-31

Chicago, IL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Since purchasing my home 31 years ago, I have lived and cared for this house, been fully employed, and paid my mortgage faithfully. In late XX/XX/XXXX, I fell behind in mortgage payments because my son had a XXXX and my mother was diagnosed with XXXX and XXXX quickly. Taking care of my family resulted in working fewer hours for several months. I contacted my lender ( XXXX XXXX XXXX ) to let them know I had experienced a temporary hardship and was eager to catch up on the missed payments. XXXX refused to accept a partial payment which I offered to make several times. XXXX initiated foreclosure on XX/XX/XXXX and asked me to apply for a loan modification. After successfully refinancing my mortgage in the past, I assumed that this would follow the same course and the matter would resolve swiftly. What has followed has been an unimaginable nightmare. Despite a long history of full employment and faithful payments, a one-time hardship episode of several missed mortgage payments has led to my house being sold without my knowledge or consent. XXXX made an Adjustable Rate Libor-based loan to us in XX/XX/XXXX ( out of Ohio ) and then a HAMP loan modification in XX/XX/XXXX. This loan was securitized, bundled into a PSA and sold to XXXX XXXX XXXX, XXXX, as trustee for XXXX Master Participation Trust ( serviced by Caliber Home Loans ) with a transfer of title that may be fraudulent ( signers do not exist as purported ). Caliber and their attorneys, XXXX, relentlessly pursued foreclosure, despite consistently stating that they wanted to help us stay in our home and work out a loan modification or repayment plan with us. Caliber and XXXX engaged in conduct which prevented us from protecting our interests in the the property, affected our right to redeem the property, and resulted in fraudulent foreclosure and sale. We have been Dual-Tracked from the beginning and Dual-Tracking is inherently a form of fraud : Caliber said they would not proceed with foreclosure during loan modification review periods and during a repayment plan ; they actually accelerated the foreclosure process during these periods. Caliber is required by law to consider us for a full range of loan mitigation options and they failed to do so. Over and over, Caliber said one thing and XXXX did another. In the months leading up to the sale of our home. We were assured by Caliber in writing that the sale would not occur while we were in loss mitigation. We first learned that the sale had occurred when the buyer jumped over a fence and tried to force entry into the property. If we had known about the sale, we would have acted to stop it. We had other options available, including higher offers for the building that we had already received. This was never about our ability to pay, only about how to pay. Caliber kept saying they would help us, in the meantime our credit was ruined and we couldnt get a loan elsewhere. Caliber never actually helped us in any way, never appeared to want or intend to work with us. We cooperated fully with all requests and demands from Caliber in a timely and thorough manner. I have attached below a detailed description of what happened to us, our most recent court motion which summarizes some of the pertinent legal issues, a copy of the mortgage assignments that appear robo-signed, and a document with more information about pertinent robe-signing. Thank you for your help!
Company Response: Closed with explanation

Timely Response

2017-07-31

Harrisburg, PA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-07-31

Northbush, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My husband 's employment contract was revised at the end of XX/XX/XXXX. He was worried that his job was being eliminated, so he notified our mortgage loan servicer, Caliber Home Loans ( trustee for XXXX XXXX XXXX XXXX ) of hardship and asked for Loss mitigation application info. He made mortgage payments until the end of XX/XX/XXXX at which point he lost his job. The XX/XX/XXXX., and XX/XX/XXXX. payments that he made were not credited to our mortgage. My husband was told not to pay anymore payments until loss mitigation was submitted. One payment was returned to us and there is a partial payment still sitting in our account that was never applied. Loss mitigation paperwork was promised on the numerous times my husband called requesting it, but never received despite the promises. Caliber Home Loans lied to us. On XX/XX/XXXX, we were served in person with a foreclosure summons. We did not receive a 90 day pre-foreclosure letter by certified or registered mail. We did not receive housing counselor information either. We contacted the NYS Attorney General 's office and eventually was referred to XXXX XXXX XXXX, a law firm that is representing us in the foreclosure case. We are currently in the settlement conference phase. My husband is now gainfully employed and prepared to resume payments, but Caliber has adjourned twice already.
Company Response: Closed with explanation

Timely Response

2017-07-30

Manhattan, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-28

Anaheim, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXXand XX/XX/XXXX I have asked them to be remove and it still has not been done yet.
Company Response: Closed with explanation

Timely Response