Caliber Home Loans, Inc.

2017-05-04

Airmont, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-04

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: Dear XXXX : We have reason to believe that the Organization ru n by XXXX . XXXX , at the same address of the Notary below, XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX , apparently is impersonating the XXXX XXXX XXXX XXXX , XXXX , acting as Trustee fo r XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX , alleging to file an Assignment of Deed of Trust on or about XXXX / XXXX / XXXX on the title of my property at XXXX XXXX XXXX XXXX , in XXXX , CA XXXX , claiming that a person named XXXX XXXX XXXX , V.P. of Caliber Home Loans, Inc., acting as the Attorney in Fact of XXXX XXXX XXXX ( Now defunct ), FKA XXXX XXXX XXXX XXXX SOMETIMES KNOWN AS XXXX XXXX XXXX XXXX ( Now also defunct ), allegedly transferring the deed of trust to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS NOMINEE FOR XXXX XXXX XXXX XXXX XXXX XXXX , ITS SUCCESSORS AND ASSIGNS, ( Filed Chapter XXXX Bankruptcy in New York ) and Truste ee XXXX XXXX XXXX XXXX , allegedly signed by the below referenced Notary Public of the State of Texas on XXXX / XXXX / XXXX working for the same company as XXXX . XXXX , at the same address of the Notary below, XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX , on behalf of XXXX XXXX XXXX XXXX have created and recorded a fraudulent document on the title of my property. We believe this to all be carried out in fraud and have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and they have asked us to contact you directly for further investigation regarding this document. Notary : Name : XXXX XXXX - ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX Expires : XXXX XXXX , XXXX County : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX History As Effective Expire Date Commissioned Notary Public XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX Commissioned Notary Public XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX . This group of Companies has yet to explain how they have obtained a note signed with XXXX Mortgage and was included in the RESCAP Chapter XXXX Bankruptcy filed in New York, which is still on going. I have made all payments to principal since XXXX and they have not been applied correctly and left in a pending account. They have does this purposedly in violation of RESPA, FDCPA, RICO, etc. in order to keep the debt alive when actually it was paid off years ago. Please investigate this matter as soon as possible since we have reason to believe it is all fraudulent and included in the document created with the purpose of acting unlawfully against my property by XXXX XXXX XXXX XXXX , and CALIBER HOME LOANS, etc.
Company Response: Closed with explanation

Timely Response

2017-05-03

Marina Del Rey, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-03

NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have two is sues that I would like explained to me by Caliber Home Loans. Caliber pu rchased my wife 's mortgage as of XXXX XXXX , XXXX . I am entering into a modification with them right now so I would like some clarification on some facts and figures as they now have all the files. 1 ) I would like an accounting for my wife 's estate on how in a modification done XXXX of XXXX , that the principal grew from {$200000.00} to {$310000.00} and if this figure is accurate, exactly what does in include for the additional money in excess of {$100000.00}. 2 ) With this same modification XXXX made my wife agree to a life insurance policy for the principal of the loan as part of the loan package. It was not an optional addition to the loan at that time as Caliber claims it was. Because it was mandatory at the time of the modification, I do not understand why on her death this did not kick in. It was part of the package they purchased.
Company Response: Closed with explanation

Timely Response

2017-05-03

Anaheim, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We purchased our home in XXXX XXXX and the mortgage lender was XXXX XXXX XXXX . In XXXX , we applied for a loan modification due to financial hardship ( XXXX XXXX XXXX was now our servicer ). We submitted a loan modification application, along with proof of hardship. We were informed multiple times that they were working on our application and that we should receive something in the mail soon, but it never happened. We could not wait any longer so we filed for Chapter XXXX Bankruptcy in XXXX . We completed the bankruptcy case, fulfilling every stipulated requirement, payment to the trustee for five years, timely mortgage payments and turning over to the trustee, the income tax refund for the required 3 years, as evidenced by the Trustees Final Report and Account to obtain Discharge from the United States Bankruptcy Court. Our application for discharge was wrongfully denied on XXXX / XXXX / XXXX , due to the erroneous claim made in Court by Calibers attorney, of the outstanding balance of {$36000.00}. My Bankruptcy Attorney, XXXX XXXX , contacted Calibers current representing attorney, XXXX and XXXX , XXXX , to see if they had received the proof of payments that they claimed was received after the XXXX / XXXX / XXXX BK hearing. She is still awaiting for a response from them. My attorney can not proceed with a BK discharge until they reconcile their records. A few weeks after the BK discharge was denied, I received a Notice of Default and Intent to Accelerate fro m Caliber. I sent Calibers Bankruptcy Department a letter, dated XXXX XXXX , XXXX ( see attached ) with proof all mortgage payments in the amount of {$2300.00} from XXXX to the present. In addition, I requested a payment history from XXXX Countys T ax Collector ( see attached from XXXX to the present ). The payment history specified who had made the property tax payment. I then provided Caliber with proof of every tax payment made by me, either directly to the tax collector or reimbursed to a servicer. The XXXX XXXX , XXXX letter was a Notice of Error, Request for Information or Qualified Written Request requesting that they reconcile their records based on the proof of payments that I had provided. To date, we have not received a written response fro m Caliber t o the letter, dated XXXX XXXX , XXXX . On XXXX XXXX , XXXX , I spoke with a Caliber representative that confirmed that they received the proof of payments and he informed me that they had withdrawn the motion filed but that it would take a few days to process. I thought that finally Caliber wa s listening to what we had been saying all along, but on XXXX / XXXX / XXXX , they sent a Notic e of Default and Election to Sell Under Deed of Trust that showed a balance of {$53000.00}. I contacte d Caliber and I was informed by XXXX ( emp loyee number XXXX ) that there is an outstanding balance of {$5200.00} for XXXX and XXXX XXXX mortgage payment. I told him that I had made the payments in question and that I would print mortgage payment confirmation and send to them right away. The next day, I faxed over a letter with the payment confirmation ( see attached ). Just as a precaution, I also sent it to their customer service email. On XXXX / XXXX / XXXX , I was informed by XXXX ( employee number XXXX ) that they did not receive my XXXX mortgage payment either. I informed XXXX that the proof of mortgage payment I had sent the day before, XXXX XXXX , XXXX , also showed XXXX mortgage payment. She also informed me that theres a life of loan payment history request and that its hard to say, at this point, what is really owed. XXXX said that they hadnt received by payment verification but that it appeared that it may have been applied to a mortgage payment in XXXX . She asked me if I had made a large sum payment on XXXX / XXXX / XXXX in the amount of {$22000.00}. I told her that I had not but that amount was very close to amo unt Caliber was cla iming was outstanding when they bought the loan from XXXX . I expressed my concern th at Caliber h ad filed Notice of Default Intent to Ac celerate without reconciling their records. I honestly, dont know what to do anymore. I have worked so hard to keep my home during the bankruptcy and after my separation in XXXX so that my children dont suffer any more losses. I dont think its right or fair to apply for a loan modification of some sort if I dont owe what is being claimed and they want to take our home. I pray and hope that you can look into my situation.
Company Response: Closed with explanation

Timely Response

2017-05-02

Longwood, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-01

Fort Mill, SC

Struggling to pay mortgage

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2017-04-28

Finksburg, MD

Trouble during payment process

Mortgage: VA mortgage

Complaint: Caliber Home Loans will not pay our property taxes. They were due XXXX XXXX , the taxes were n't paid. Then we got another bill for another due date of XXXX XXXX with a fee tacked on. They still wont pay it. I have called and emailed. Nothing. The said they will send the money in 10 business days, but they did n't. Then they said they will send it in 5 business days. Caliber Home Loans i s a joke. I would n't get a loan through them. As soon as we have money to refinance and get away from the company, we will.
Company Response: Closed with monetary relief

Timely Response

2017-04-27

East Elmhurst, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-04-27

Aliso Viejo, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-04-26

Sandy Hook, CT

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with monetary relief

Timely Response

2017-04-26

Sarasota, FL

Struggling to pay mortgage

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

Complaint: XXXX XXXX XXXX sold our HELOC to Caliber Home Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.
Company Response: Closed with explanation

Timely Response

2017-04-26

CA

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: 3 years ago, my husband went through Chapter XXXX bankruptcy. I did not. Even though I did n't, because my husband is party to our house payment, the note servicer, Caliber home loans can not report to credit agencies, nor charge any late fees. My perception was that the only reason I should pay the note on a monthly basis was because it was the right thing to do. There appeared to be no negative consequence as long as I continued to make payments. I was never informed otherwise by the loan servicer. In fact, we never even received a statement of our account for the three years, either. I only received an annual statement telling me what my new payment would be each year. We had a modification agreement which expired in XXXX , so it became imperative to refinance. Our payment jumped from about {$1600.00} per month to about {$2500.00} per month, or from 3.25 % to 7.1 %. We started XXXX XXXX , XXXX to do a VA refinance loan. A VA loan requires the house to be in near perfect condition and the house had a huge pest report of {$26000.00} that needed to be cleared. ( We were never told by our new loan originator that we would be having a payment history provided by Caliber home loan s to the new lender. Of course, had we known that we would have made sure that the payments were made earlier in the month. ) Since my husband and I did not have {$26000.00} we decided to do all the work ourselves which took us until XXXX XXXX , of XXXX . This was the day the inspector was to arrive to inspect. Many days prior to that we re 15 hour days fo r each of us and we worked every waking minute until the pest inspector arrived. Although it was typical that I made each payment in the latter part of the month, during the last week of the month of XXXX XXXX , I attempted several times to make the payment online, after my day 's work was completed. Each time, the site was down for maintenance. The on screen message was that they were doing a little work on their own house. Finally it got to be the XXXX and this time the site was up. I made the payment successfully and I have a message that I have done so, both in my personal email, and in my online account w ith Caliber home loans. I have attached both. None the less, because Caliber does n' t post payments the same day they are made, they are reporting me as 30 days late for the XXXX payment, even though they posted my payment only 28 days after it was due and I made it on the XXXX day of the month. I made the XXXX payment also on the XXXX and it was not marked late. f No where in the original note, does it state that a payment made late will be reported late to a credit bureau. No where in the original note does it define the concept of a reporting period, or that a 28 day month is the same as a 31 day month in terms of reporting or for any other point. This is just servicing company policy. I have spoken to the Assistant Vice President for Customer Complaints, XXXX XXXX , who in turn spoke to the Vice President of Communications. XXXX is sympathetic, and the XXXX XXXX XXXX agreed that I was right in theory, however they still refuse to correct my credit report, because " if they did it for me they would have to do it for everybody ''. In other words, they could fix this, but they wo n't. California LAW states I am correct. See attached letter from my attorney, XXXX XXXX XXXX , stating Civil Code. Additionally, in order to obtain my new loan, I was required to provide a copy of the original note, also attached. I was told by Caliber that it would take 5 to 7 busin ess days. I requested it XXXX XXXX , XXXX . It took until XXXX XXXX to arrive. They would not email it to me, it had to be delivered b y USPO s ervice. It was dated XXXX XXXX , but not postmarked until XXXX XXXX , XXXX . Another arbitrary Caliber policy. I was able to obtain that same note in 5 b usiness HOURS by EMAIL, from the original lender, XXXX XXXX . I feel the delay on the part of the servic er, Caliber, is because I am paying 7.1 per cent and that every day they delay is to obtain more money from me. Further, the attached response from Caliber to my attorney, says that they will respo nd in the time allowed by law. My attorney states that this is an indefinite period. Again, I feel they are dragging this out, in order to collect as much interest from us as possible. If they do n't agree to change it, we will not be able to refinance f or 11 more months. Please help us resolve this matter.
Company Response: Closed with explanation

Timely Response

2017-04-25

Jamaica, NY

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

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-04-25

N Hollywood, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-04-25

Venice, FL

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-04-24

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

Their investigation did not fix an error on your report
Complaint: Please see the attached findings from XXXX 's XXXX XXXX , XXXX investigation. The date of payment, actual payment, scheduled payment amount and date of last activity are all incorrect. In addition, my XXXX XXXX , XXXX report does not reflect XXXX , XXXX and XXXX XXXX reporting. The following should reflect a s : 1. D ate of Last Payment : XXXX XXXX , XXXX not XXXX XXXX 2. Actual Payment Amount : {$1200.00} not {$1200.00} 3. S cheduled Payment : {$1200.00} not {$1200.0 0} 4. Dat e of Last Activity : XXXX XXXX not XXXX 2016 See CFPB complaint numbers XXXX and XXXX
Company Response: Closed with explanation

Timely Response

2017-04-24

Longwood, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-04-21

Arleta, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Decatur, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Stamford, CT

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-20

Newark, DE

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: As of XX/XX/2016 my ( {$38000.00 } ) 20 yr. mortgage loan was suppose to be paid off with CIT/Caliber Home Loans. They are now telling me that it is a simple interest loan and interest is accrued daily on top of the interest and I still owe {$15000.00} even though I have made the 240 payments that my promissory note states. They do not give me a timeframe of how long this will take, because of the daily interest. My interest rate for the la st 20 yrs has been 10.85 % and payments have been made in a timely manner to them. I originally got a loan from XXXX XXXX and then it was sold to Caliber Home Loans. I have contacted them many times the last few years telling them that at the rate I am paying, this loan will not be paid off when loan states even if it all went to the principle amount. They just kept telling me it would be. Now that it should be paid in full, they say it is because of this daily simple interest charge, which I do not see anywhere in my contract. I dont feel I owe them anymore money and am at wits end trying to solve this. I have talked to someone about refinancing just to drop the interest rate but they too feel this should be paid in full and gave me this website to maybe get some help in resolving this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Clarksville, DE

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-19

And, SC

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response