Caliber Home Loans, Inc.

2017-03-01

Rochdale, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Hickory Hill, TN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Rockwell, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My name is I contacted anyone and everyone that would listen. But Caliber homes loan employees are unable unwilling or just to disconnected with your customers. The Refi process has been one of the worst experience. My credit score was dropped because of this company inability to understand whats going on under its own roof. No fault of mine, much to the contrast I contacted several employees at Caliber warning that if they did n't get in front of reporting a late payment that in fact was not late but in fact the loan was paid off that there system is going to report and it will make my life way harder then it already is. I do n't understand how this could happen, even if I was n't calling it out before it happen but the fact that I did repeatedly is just unacceptable. Please contact me Thanks Thanks for getting back with XXXX I believe that XXXX is the voice to advance this into a bill. Way to many good hard working Americans get hurt every day over false reporting. Then it 's up to the victim to try and get it repaired. So even if the victim gets it removed shows all the other creditors the explanation letter from the source of this false reporting. Keeps his other creditors from raising there rates. This will still show as a dip in the credit score since it grades are based on past and present scores. Please consider this to be on the agenda for XXXX I know he can champion this, for the working class people of this great country. Many of us do n't know what to do if this happens or even knows if it happens do n't have the time or know how to try and fix it. It seems like a company such as a Bank or other leading institution should play a greater part. A simple letter of correction should not be all. The reasons we give fines is to keep people in check I believe that the thousands of silent victims will agree that its costly seemingly non-endings and take a great toll on the person physical well being. I myself have lost hair, sleep i 'm distracted at work home while driving Thank you for being our voice XXXX and Thank you for your hard work XXXX Sincerely
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Easley, SC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Middletown, DE

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Breaux Bridge, LA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-27

ME

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Two plus years ago my mortgage company took out an insurance policy on my home when I already had one, then in short subsequently changed my payment amount monthly during a 2 year stint to try and correct this issue. Hence every time I tried to pay my mortgage it was never the correct amount and they would mark me as late. It took me two years to get someone to finally look into this issue. once done, they agreed with my but still refused to correct the damage they had done to my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-27

Cliffwood Bch, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Due to circumstances beyond my control, I filed for chapter XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX we met with the trustee, I was told by the chapter XXXX trustee XXXX XXXX that we need to have a loan modification. In XX/XX/XXXX we filed documents for a loan mod. It was never reviewed because my attorney, XXXX XXXX XXXX. failed to send a document to the bank, giving permission to negotiate a loan mod. My home was scheduled for a sheriff sale on XX/XX/XXXX, When I called the bank, I was informed that I could not file because of the 37 day window. I went to court on XX/XX/XXXX, I filed a motion for a stay, I was granted a stay until XX/XX/XXXX. Court document is included in my package. I then filed a new loan modification packet on XX/XX/XXXX. I received a letter from the bank stating that additional documents were needed, I got the documents and uploaded to the bank on XXXX XXXX. On XX/XX/XXXX I contacted the bank to follow up, at this time I was advised that there was more documentation needed, however the 37 day cut off was XX/XX/XXXX. Yet I was advised on XX/XX/XXXX. As of this point, Caliber Home Loans will not review a loan modification because of the cutoff. I have been in constant contact with Caliber Home Loans, I have provided all the documents they required, they were sent in a very timely manner, yet now the 37 day cutoff is going to prevent a loan modification and they are going to proceed with the foreclosure and sheriff sale on XX/XX/XXXX. This is extremely unfair, I have done all I could on my end. I believe they intentionally stalled the process, so they could foreclose on my home. I have all the documents sent to Caliber Home Loans, it is in my opinion that Caliber Home Loans committed fraud upon me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-25

Havana, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-24

International, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Quincy, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-23

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Hi, My mortgage servicer is Caliber Home Loans, Inc., XXXX XXXX. On XX/XX/XXXX, I have contacted customer service regarding urgent tax matter. I got a notice from my real property taxing authority ( XXXX ) that they intent to issue FIFA due to tax underpayment for XX/XX/XXXX. My repeated follow-up emails and calls to Caliber Home Loans did not help with resolution. It appears that Caliber Home Loans persistently underpaid and/or under-calculated my tax liabilities without properly notifying me. At this time, I do not know what other actions I can against Caliber Home Loans to force them to do their job. This is not the first time that I have a problem with Caliber. In my view, Caliber Home Loans is totally irresponsible entity that does not perform required duties of mortgage servicer as prescribed by law. Please assist. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Jersey City, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-22

Bedford, TX

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-02-22

TX

Settlement process and costs

Mortgage: Other mortgage

Complaint: CFPB -- This pertains to new management as of XXXX/XXXX/2016 at CALIBER HOME LOANS in XXXX, TX at the Consumer Direct department. These are the various issues which should be investigated : 1. Change in pay structure for Loan Consultants ( LCs ) where they are NOT paid on loans closing. The LC 's name is listed on the loan but is not compensated. 2. With the name of the LC on the loan, they are cut-off from the back end of the loan process where the LC is technically still liable for anything that might go wrong. 3. This new management would allow for a Pricing Exception ( PE ) for the new hires they brought on board and for a family-related co-worker in XXXX XXXX. However the same level of PE was not made available to other co-workers who had been with Caliber Home Loans for a longer period of time prior to the start date of new management. 4. This new management would hire on their own new contacts almost all under the age of XXXX and almost all Male ; conversely new management would disincentivize and push-out the older LCs who have been employed there for a long period of time. This is widely viewed as an act of nepotism along with age and gender discrimination. 5. ***This new management terminated a Manager in XXXX XXXX on XXXX/XXXX/2016 without sufficient justification. This manager as a result was put on Administrative leave still accepting pay for an extended period of time since there was not just cause after further review with HR. 6. ***This new management would also terminate long-standing Loan Consultants in XXXX XXXX prior to year-end 2016 who have a strong historical record of performance over a period of years at Caliber Home Loans.
Company Response: Closed

Disputed: Yes Timely Response

2017-02-22

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I am contesting the amount owed on our home loan. in XXXX XXXX we had our loan with XXXX. They offered us a modification on the loan to which we accepted. Signed the documents had them notarized and sent back. We began making the modified payments and thought everything was ok. However 5 months later we received a letter from XXXX stating that they denied our modification due to lack of notary seal. They sent back the original document to prove it was n't done. However the document was notarized and signed by the notary before it was sent back to them when the paperwork was due. It was not an ink stamp and was a raised seal. They then had us start all over in the process and refused to enact the already given modification. This went on for years. in XXXX of XXXX we received an intent to foreclose from XXXX and filed for chapter XXXX bankruptcy.They filed a claim stating the amount per month was {$750.00} and the arrears on the loan was $ {$25000.00}. The payments made into the loan during that time never showed either the arrear payments nor the actual monthly payment of {$750.00}. The payments were always a lot larger and the balance never came down. Payments during this tine and before the bankruptcy were credited then removed years later with no reason as to why and no notification that they were removing the payments. For example : The payment made on XXXX/XXXX/XXXX was reversed on XXXX/XXXX/XXXX never credited back and was reversed for a second time on XXXX/XXXX/XXXX. The original payment for the XXXX/XXXX/XXXX payment was n't credited to the account until XXXX. This has shown up on the ledger more than once. No checks bounced no payments returned to us and the balance kept going up up and away. The loan has been transferred twice now since it was with XXXX and we have been attempting to make heads or tails of it since then. When told by our current servicer ( Caliber home loans ) that they didnt have any information on the loan we needed to contact the original servicer we thought something just wasnt right as all of that information should have been sent when the loan was transferred. Caliber had misinformation on the loan as well. They stated the that loan was an adjustable rate mortgage when it is n't. We signed for a fixed rate mortgage. This has been a disaster that is now ending again in foreclosure when it should n't as we are in the beginning stages of a modification with our current servicer.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Ridley Park, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Pacifica, CA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Brookside, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-18

Sacramento, CA

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Okc, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-02-17

Lewisville, TX

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed

Disputed: Yes Timely Response

2017-02-17

NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly. Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable. I hope, you all consider my request. I
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Anaheim, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response