Caliber Home Loans, Inc.

2017-06-23

Boise, ID

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-06-22

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I took out a home loan in XX/XX/XXXX with XXXX XXXX which filed Chapter XXXX Bankruptcy. I spoke with the Trustee and they informed me that the loan had not been sold. I did a HAMP modification and the current Servicer has not given me the documents requested regarding the HAMP Program and signed modification agreement. As anyone can clearly see the payment history and loan balance do not make any sense, since I was current on all payments and therefore received payments from the Federal Government according to the HAMP guidelines, which Caliber Home Loans refuses to give me a copy of. They start their balance sheet on XX/XX/XXXX which was the first payment due with an unapplied funds account with {$100.00}, a Late Charge of {$780.00}, and Fee Balance of {$1000.00} which are absolutely incorrect and I have been paying on this since XX/XX/XXXX, plus interest and other late fees and costs, while I patiently waited for my " free '' HAMP loan modification. Once again I request that the Attorney General and the Consumer Financial Protection Bureau please audit this loan as soon as possible since I suspect fraud.
Company Response: Closed with explanation

Timely Response

2017-06-21

Penn, PA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: We have issues with our mortgage company. Our payment is always changing. On XXXX XXXX we received a letter showing that there is a shortage of XXXX. These payments were to start on XXXX to XXXX. Every month adding XXXX to our mortgage payments. Our payments are XXXX my payments were behind according to them. My bank pulled all the information on my mortgage. So I have cancelled checks and bank statements that show we did make payments. We are no way 6 months behind, maybe 2 payments. They have us being 6 months behind reporting at the credit bureau I have made out a application for a modification, but, I do have equity in my home, how would that work using the equity of my home Thank You XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-06-20

Allenwood, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My husband and I received a Notice of Eligibility from the State of NJ for the XXXX Forbearance. The instructions were to forward a copy to our mortgage company and ask for a letter of forbearance from them. I called my mortgage company on XXXX/XXXX/17 and was told to e-mail a copy of the letter. I did that and have not yet received the letter requested. They call me several times a week and do n't know about the letter. They put me on hold to look into it and then tell me to call back in 10 days. This is very frustrating.
Company Response: Closed with explanation

Timely Response

2017-06-19

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-19

Dover, NJ

Applying for a mortgage or refinancing an existing mortgage

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

Company Response: Closed with explanation

Untimely Response

2017-06-18

Coosada, AL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-17

Quartzsite, AZ

Trouble during payment process

Mortgage: VA mortgage

Complaint: My payments are due on the XXXX of each month. Each month, my bank sends by " bill pay ' ', Caliber Home Loans a check on the XXXX of each month enough time for Caliber Home Loans to process the payment before the XXXX . I have documentation that shows recent payments were sent to their XXXX XXXX and w as scanned in the mail by t he USPS. However, Caliber Home Loans is not processing them until after the late date, thus sending me late notices and charging late fees. Caliber tells me they must process payments within 24 hours, but are not. If they are picking up their mail, then the payments are sitting on someone 's desk. They say its my problem that they are not responsible for the mail, but it is sent to them and I have no control over how many times they visit the XXXX XXXX . Ev en if we mailed a personal check to them to their XXXX XXXX by their direction, it appears that personal check would not be processed in a timely manner. I am concerned they are reporting late payments to the credit bureaus and I do n't deserve this type of treatment since they own the above issue.
Company Response: Closed with explanation

Timely Response

2017-06-16

Alta Loma, CA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-06-14

Tarzana, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Hello, I received a call from an unknown source with a file number. They left a message today XXXX / XXXX / XXXX . I found out that they even reached out to my father who I do not live with. I called back XXXX and asked to speak with XXXX XXXX , who left me the voicemail. They answered abruptly and asked me for my file number. I gave them File # XXXX and he immediately transferred me to XXXX XXXX . He verified my information. and went right into giving me information on a debt I allegedly owed. One thing that stood out was that he did not state that " this was an attempt to collect a debt, any information obtained may be used for that purpose ''. He stated debt was from XXXX . I stated I did not recall any debt owed from that period of time. He stated I was a defendant as if I was already being sued. He stated creditor was Vericrest Deb t Collectors or something similar. He asked me if I would like to handle this debt otherwise they or Veriquest w ould be moving forward with filing a complaint against me. I advised him regardless of me being owner of this debt or not, that it would be uncollectible due to statute of limitations on consumer debt unde r Fair Debt Collections Pratices Act. As I further went into it stating that this would be a violation on his part, he hung up on me. I was attempting to get the name of their company, his name and ID and their place of business address but was unable to. I called back about 10 minutes later and spoke to the receptionist and asked for the information, but they only wanted the file number. I told them not to transfer me once I gave them the file number XXXX , but as soon as I told them that file number, they transferred me right back to XXXX XXXX . I got his name, place of business and address before ending the call. I believe they are in violation of the FDCPA for trying to collect on a debt older than the 4 year statute. I also believe they are in violation of not stating in the beginning of the call that they are " attempting '' to collect a debt. Please see their information below. Thank you. Name of Company : XXXX XXXX XXXX Name of individual and ID : Place of business address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX , CA XXXX .
Company Response: Closed with explanation

Timely Response

2017-06-14

Superstition Mtn, AZ

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: In XXXX , we received a XXXX for a charged off HELOC. In XXXX , we received another XXXX from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.
Company Response: Closed with explanation

Timely Response

2017-06-14

Amherst, MA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-06-14

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I took out a loan with XXXX XXXX in 2004 for {$310000.00}. I have made all my payments on time until they agreed to do a no cost HAMP loan modification. The Servicers have failed to give me a signed copy by them of my loan modification agreement. This is the fourth time I have requested it. Also they have mis-applied or not applied my payments to Principal as agreed. They continue to not apply my payments to Principal as agreed nor to give me a correct updated loan payment history. Please look over the documents that they have sent me which do not reflect the correct current running total. I have requested an independent audit of my account but they refuse. Please investigate this matter as soon as possible since I suspect fraud has been committed with this loan. Thank you.
Company Response: Closed with explanation

Timely Response

2017-06-13

San Antonio, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Non -receipt of payments-las t two m onths via usps.late fees applied.disputed fees. payment received this month again, due date th e XX/XX/XXXX of m onth.mailed on the first from XXXX XXXX to XXXX , TX.Have not rec eived draft from XXXX XXXX XXXX . today is the XX/XX/XXXX .no contact to a lert me. Caliber Home Loans XXXX TX tel. XXXX XXXX .
Company Response: Closed with explanation

Timely Response

2017-06-13

PA

Incorrect information on your report

Mortgage: FHA mortgage

Complaint: My FHA mortgage was serviced by Caliber starting in XXXX . I was having financial difficulty in XXXX and XXXX of XXXX and called Caliber. I spoke with someone regarding adjusting my payment. After going over financial information I was told that I could break my payments up for the next several months to get back on track. I was told that by doing this I would not damage my credit and not have any other adverse effects. I made payments to them and did get my payments back on track until I refinanced in XXXX . I found out that they did indeed report I was 30 days late to the credit agencies XXXX XXXX AFTER they told me they would not do so. I sent them a letter XXXX telling them I was disputing it and that it should be marked disputed. All they did was send me a copy of my loan agreement. The late payment is still listed on my credit report.
Company Response: Closed with explanation

Timely Response

2017-06-13

MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not. The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.
Company Response: Closed with explanation

Timely Response

2017-06-13

White Hall, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-10

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX I took out a loan on my home with XXXX XXXX for {$310000.00} and made all the payments on time until XX/XX/XXXX that they convinced me to request a free no charge loan modification with the Federal Government, the HAMP Program. I sent in the required loan modification documents signed and notorized and they have never returned the signed copy by them. They have mis-applied all my payments made to Principal and the present balance of my loan should be down to about {$200000.00} with the obvious decrease in monthly payment amount. They reply that they refuse to answer my questions. The alleged " servicer '' Caliber Home Loans has acknowledge the " errors '' made to my account but refuses to audit the loan from the beginning since they have been modifying and changing the running balance and know it. The evidence in all the different amounts they claim are owed which is simply an accounting error on their part. They have never applied my payments correctly to Principal nor given me a signed copy of the modification agreement as you can see yourself. Please get the competent authorities involved and I have a right to be a part of any and all insurance and pooling and servicing agreements. They have used my signature to take out a line of credit secured on my home and this is fraud.
Company Response: Closed with explanation

Timely Response

2017-06-09

East Elmhurst, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

Kissimmee, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-08

East Elmhurst, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-07

Kawaihae, HI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-07

Mabank, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues
Company Response: Closed with explanation

Timely Response

2017-06-07

IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Caliber Mortgage took over my mortgage from XXXX in XX/XX/XXXX . In XX/XX/XXXX , I received a XXXX XXXX form for {$5000.00}. Note : from XXXX . I had no association with Caliber in XXXX , nor did I ever work for them. Coincidentally, their form XXXX misrepresented my real estate taxes by {$5400.00} short. I am not worried about that as I have receipts from my county tax co llector. <P/> However, the XXXX . I have had to pay a penalty and income tax on it ... ..for income I never received. <P/> I have called them numerous times, and faxed over the form three times ( as they " do not see it in their system '' ). I have received numerous responses when I call ... .from ( I see it now ; someone will call you within a week ... .... someone will respond back in 30 days ... ..I do n't see it all ). Help.
Company Response: Closed with explanation

Timely Response

2017-06-07

Lake Ronkonkoma, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response