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 42
2017-07-28
Blue Springs, MO
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-07-27
East Elmhurst, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-27
Apple River, IL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Company Response: Closed with explanation
2017-07-27
Monterey Park, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-27
Odell, OR
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.
Company Response: Closed with explanation
2017-07-26
Burbank, CA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I have just read the ruling on the case of XXXX XXXX XXXX XXXX v. XXXX No. XXXX, XXXX XXXX XXXX XXXX, As Trustee for HOME EQUITY ASSET TRUST XXXX HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES XXXX, Appellant, v. XXXX XXXX ; Unknown Spouse of XXXX XXXX ; XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX. ; UNITED STATES OF AMERICA ; Any and All Unknown Parties Claiming By, Through, Under and Against The Herein Named Individual Defendant ( s ) Who Are Not Known To Be Dead or Alive, Whether Said Unknown Parties May Claim An Interest As Spouses, Heirs, Devisees, Grantees, or Other Claimants ;Unknown Tenant # 1 ; Unknown Tenant # 2 ; Unknown Tenant # 3 ; and Unknown Tenant # 4, The Names Being Fictitious To Account For Parties In Possession, Appellee. District Court of Appeal of Florida, XXXX District, dated XXXX XXXX, 2017. And am hereby filing this criminal complaint with the CFPB to be forwarded to the competent Attorney Generals and the FBI regarding the attached fraudulent Assignment of Deed of Trust and involvement of Caliber Home Loans and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, as alleged TRUSTEE, and the alleged XXXX TRUST, et al.
Company Response: Closed with explanation
2017-07-26
CO
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I submitted an application with Caliber Home Loans ( working with XXXX XXXX and XXXX XXXX ), and was locked into a mortgage at 4.625 %. I 'm buying a condo as an investment property, and they failed to even think about checking the percentage of owner occupied units in the condo complex until a week before I was to close.
On Mon. afternoon ( XX/XX/XXXX ) they dropped the absolute bombshell that I could n't be offered the loan at 4.625 % any longer because the percentage of rentals in that complex was too high ( at 61 % ). So, they moved me into another 'program ' they have ... at a whopping 7 3/4 %!
They should have done this research in the very beginning because I can assure you, I would n't have gone forward with their mortgage. But, to completely pull the rug out from under me within a week of closing ( XX/XX/XXXX ) is absolutely unforgivable ... and ought to be criminal if it 's not. They should have to live with the rate they locked me into!
Sincerely, XXXX XXXX ( XXXX )
Company Response: Closed with explanation
2017-07-25
Birmingham, AL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with monetary relief
2017-07-25
IN
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I contacted Caliber Home Loans to refinance a home mortgage on XXXX XXXX, 2017. Everything went fine until they sent an appraiser out and the person hired by Caliber was not professional and submitted comps that were not anything like my home resulting in a lower value so the loan was not approved. comps submitted by the appraiser should not have been allowed becuase 1. They were over 7 miles away 2. They were for single family homes and my home is a multi family I asked that the home be re appraised but they were not willing to do so. The person hired by Caliber was not a professional and I complained at the time of the appraisal. I have since contacted an independent appraiser and they say the house should have appraised for more and the comps used by Caliber were not suitable for a comparison of my property
Company Response: Closed with explanation
2017-07-24
Balmville, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-24
Oakland, CA
Improper use of your report
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-24
Ellport, PA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-22
AZ
Applying for a mortgage
Mortgage: Other type of mortgage
Complaint: On XX/XX/XXXX I submitted Documents for a Loan Modification, since there representatives said that is what was needed since no other loan I would qualify for. On XX/XX/XXXX received 2 letters stating Documents they needed regarding my Benefits Award letter from social security, along with 2 months bank statements ( already submitted on the XXXX XXXX ), any lease agreements I might have, and a Year to Date Earnings Benefit from Social Security. XX/XX/XXXX I submitted XX/XX/XXXXtax return along with form XXXX. XX/XX/XXXX They sent 2 letters requesting Any Lease Agreements I had on any other properties of which I did n't own any, they wanted bank statements AGAIN, they wanted form XXXX instead of the XXXX, they wanted Form XXXX, Income Documentation from Social Security and a Hardship Letter XX/XX/XXXX I submitted bank statements AGAIN, Social Security Documentation, and letter that they had told me to submit on a phone conversation I had with them regarding NO RENTAL Income along with Hardship explanation. XX/XX/XXXX They repeated wanting an updated Form XXXX, another Hardship letter, a second letter that same day requesting Form XXXX, Form XXXX, Income Documentation again from Social Security, and Hardship Document again. XX/XX/XXXX I re-submit Letter of Explanation for NO MORE Rental Income along with Hardship letter. XX/XX/XXXX They send thank you letter for submitting documentation and prompt response. XX/XX/XXXX Now they wanted why I had a XXXX XXXX XXXX, and Bank Statements for 60 days wanting to show social security deposit of {$2200.00}. I contacted them again by phone explaining that my XXXX was $ XXXX monthly deduction and a US Treasury deduction of {$320.00}. I also explained that I did n't have a XXXX XXXX mortgage anymore and that went away in XX/XX/XXXX. They said showing up on a credit report so I needed to submit a letter of explanation regarding that. XX/XX/XXXX I sent to them another new XXXX XXXX XXXX bank statement for XXXX which had my social security deposit on it, so now they had XXXX, XXXX, XXXX and the new XXXX statement. I also sent them a letter explaining an old XXXX XXXX mortgage that did n't exist anymore along with my social security deposits which equaled {$1800.00} ( {$2200.00} minus {$130.00} XXXX, and minus {$320.00} Treasury amount. XX/XX/XXXX a letter from Caliber thanking me for prompt response and there receipt of documents. So after a couple of weeks and no updates I contacted them and now because of that XXXX XXXX mortgage a letter of explanation is no good and I needed to contact credit bureau to get it removed. XXXX XXXX sent another XXXX bank statement for mid XXXX along with XXXX and XXXX XXXX statements with Social Security deposit circled. I contacted 3 credit bureaus and it was only XXXX that had the XXXX XXXX on my credit report and requested removal. They removed it by XXXX XXXX which I verified by phone with XXXX representative. XX/XX/XXXX Caliber sent another thank you letter for updating documents. XX/XX/XXXX I sent to Caliber a letter that it was being removed and I would follow up further with XXXX later in the week to make sure it did n't show up on my credit report again. XX/XX/XXXX Caliber sent another Thank you letter. XX/XX/XXXX Denial letter from Caliber on Loan Modification because of missing or incomplete of all documents. XX/XX/XXXX I submitted ALL proper documents again to Caliber Home Loans. Approximately XXXX XXXX I followed up with a phone call for a status update. Called again for a status update on XX/XX/XXXX only to find out that my documents submitted on XX/XX/XXXX, had the same XXXX XXXX mortgage showing up on the credit report. Representative said that it takes a full 30 days to get it removed properly. I could submit in mid XXXX and it should be removed. XX/XX/XXXX Submitted documents again. I feel they are playing the same game and will deny me again after the 60 day period. They are not processing the documents that are received in a timely fashion in good faith.
Company Response: Closed with explanation
2017-07-21
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.
Company Response: Closed with non-monetary relief
2017-07-20
Atl, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-19
Eugene, OR
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-18
Incline Village, NV
Applying for a mortgage
Mortgage: Other type of mortgage
Company Response: Closed with monetary relief
2017-07-18
Asheville, NC
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2017-07-14
Beemerville, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-14
MS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: l been having problems with XXXX XXXX XXXX now Caliber for 5 or 6 years. Back in 2009 i los t my job got behind 3 payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in debt.I paid 3 and half years ( XXXX ) XXXX a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.
Company Response: Closed with explanation
2017-07-14
Tarpon Spgs, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-14
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-13
Dallas, TX
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
2017-07-13
Brooklyn, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My loan was transferred to caliber loan company in XX/2015 at the point I was behind on my mortgage. I was offered a modification and the only option given was an interest only modification for 5 years I sign the documents under duress because I feared being homeless with my XXXX children. the company increases my interest from 3.75 % to 4.625 % for 5 years with all amounts going to interest and escrow my loans has been converted from fha to a conventional loan with a balloon payment of over 30k due before the end of my mortgage ends. I have reached out asking why was this options offered to me and I have been told that it was the only option the investors felt makes sense and to also look at this agreement as a payday loan. Unfortunately I now owe more than my original mortgage and the amount has not decreased even though I have made payments for the last two years after 5 years my payments will go back to the original amount and I will still not be able to afford it and fear going back into Forclosure. I believe I have been taken advantage of by this company, hopeless in ny.
Company Response: Closed with explanation
2017-07-12
PA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I received from XXXX Country Tax Claim Bureau on XX/XX/XXXX a " Notice of intent to Asses Attorney Fees '' by certified mail because I have a delinquent taxes due {$3500.00}. I send to Caliber Home Loans copy of this letter by certified mail and by the system. Then I call to see what happened with my property taxes. They tell me that open a research and after 1 1/2 months ( final week of XXXX XXXX they tell me that all the taxes have been pay by Caliber Homes including the penalties fees. I request a copy of the payment but never send me this. <P/> Next I received from XXXX Country Tax Claim Bureau on XX/XX/XXXX a " Second Notice of intent to Asses Attorney Fees '' by certified mail. I sent to Caliber Home Loans copy of this letter by certify mail and by the system. I call again and they tell me that the property taxes has been pay in full. <P/> Then I received a letter with analysis date XX/XX/XXXX from Caliber Homes Loan th e same requires me to pay {$3000.00} for the escrow account. I am writing a letter back to require a correct analysis of my escrow account that has been misused by Caliber Homes Loan.
<P/> My Analysis of the Taxes that I send to Caliber in the letter : 1. The taxes for XXXX ( according to invoices ) were {$690.00} ( county & municipal ) + {$2200.00 } ( school ). For a total of {$2800.00} before XX/XX/XXXX . You debited from my escrow account on XX/XX/XXXX the amount of {$1600.00} ( city/town/township ) and on XX/XX/XXXX he amount of {$2000.00} ( school ). For a total of {$3600.00}. There is a difference of {$780.00} that you took out of my account. <P/> 2. The taxes for XXXX ( according to invoices ) were {$1600.00} ( county & municipal ) befor e XX/XX/XXXX + {$2000.00} ( school ) before XX/XX/XXXX for a total of {$3600.00}. You debited me from my escrow account in XXXX XXXX the amount of {$1700.00} ( city /town ) + {$2900.00} ( city/town ). For a total of XXXX taxes of {$4600.00}. There is a difference of {$980.00} that you took out of my account. <P/> I send to Caliber Homes Loans a certified letter on XX/XX/XXXX explaining all of this and requires the immediate correction of this. I never received a call or letter from Caliber and still have in the web site my new increase payment on my loan. <P/> Is very important to let you know that I 'm never pay late my home and I am not responsible for taxes penalties. I call Caliber Homes yesterday to follow up my letter again and they tell me that my property taxes has been increase and that 's why. I tell the lady that talk to me that is impossible because I have a homestead exclusion in this house and they have copy of that.
Company Response: Closed with explanation