Caliber Home Loans, Inc.

2017-02-01

Montclair, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-01-31

Halyoke, MA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-01-31

Snellville, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Columbia, SC

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2017-01-31

Baton Rouge, LA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Charlotte, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My home loan was with XXXX, then XX/XX/2016 sold to Caliber Home Loans, then yesterday I received mail that it was sold to XXXX. I am so confused and feeling a little uneasy. I never authorized any of this and afraid of identity theft, forced foreclosures, and scams. I am not trying to sell or foreclose on my home. I need to under what is going on. Everything I have XXXX states to be cautious. It is hard for me to get a " Live '' rep on the phone with Caliber Home Loans and talk during work hours. I am frustrated and need to know how to secure my mortgage with 1 legitimate lender to avoid this situation. I would also like to know if there are any class action litigations going on concerning any of these entities for these types of business transactions involving home owners. I feel that they are trying to take our homes. Please give me some advice in the simplest of terms. I greatly appreciate it.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Chester, VA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I completed a Loan Modification in XXXX XXXX that was due back on XXXX/XXXX/XXXX. I did not receive the documents in time so that they would be received at Caliber by XXXX/XXXX/XXXX so I called and spoke to XXXX and he advised to send the documents back and they would still accept them. On XXXX/XXXX/XXXX I sent the executed documents along with the first modified payment in the amount of {$760.00}. I called on XXXX/XXXX/XXXX to make my XXXX XXXX payment and was told by XXXX that my property was in Foreclosure and the payment could not be accepted. The XXXX payment was accepted and posted to my loan but they claimed to never have received the Modification documents which was sent back with the payment that was posted. I also have the tracking information showing that the documents were received and signed for by XXXX XXXX on XXXX/XXXX/XXXX at XXXX. On XXXX/XXXX/XXXX, I received a letter from the Foreclosure attorneys advising that there was a sale date scheduled for XXXX/XXXX/XXXX and I have been calling Caliber everyday since and no one will help me to reach a resolution. Finally, I was told that they were going to send out another set of documents and that they would need to be received back Thursday, XXXX/XXXX/XXXX. I never received any documents and I continued to call and finally Caliber agreed to email the documents to me so I could print them off and return them. I received the documents Thursday at XXXX, and overnighted the documents back to Caliber ( at my expense ). I have confirmation that the documents were received at Caliber on XXXX/XXXX/XXXX at XXXX and signed for by XXXX XXXX XXXX Again I have been calling several times a day and anyone that I have talked to says nothing has been processed and it was too late to stop the Foreclosure sale. I also contacted the Foreclosure attorneys today and they said that they received a message from Caliber stating the documents were received and in the process of being reviewed but only Caliber can stop the sale for tomorrow which they have not.Throughout this process, I was never contacted and advised that the documents were not received or that I was in Foreclosure. If my loan was already in Foreclosure, how was the payment that I sent in XXXX posted to my loan and yet the Foreclosure continued? Why is Caliber not even trying to correct their mistake when I have proof that the documents and payment was received?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Sacramento, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: The basis of my complaint are concerns around the Mortgage Servicing Transfer process by XXXX and Caliber Home Loans. As a result of their actions noted below, they have failed to protect my rights under key foreclosure protections. On XX/XX/XXXX, I submitted a completed loss mitigation application to XXXX. On XX/XX/XXXX, I received an electronic notification from XXXX confirming the package was received. My completed application was received by XXXX more than 37 days before a foreclosure sale, and XXXX failed to inform me that I was not eligible for any loss mitigation option. Instead, during the pending status of my completed modification application, XXXX sold my loan as of XX/XX/XXXX to XXXX Master Participation Trust and subsequently sold the servicing rights to Caliber Home Loans as of XX/XX/XXXX. The following outlines the timeline of events and notices from XXXX, XXXX and XXXX XXXX ( Notices from XXXX and Caliber are attached ) : XXXX XXXX, XXXX, notice states the servicing of my mortgage was sold to XXXX as of XXXX XXXX, XXXX. This notice does not meet the content requirements under RESPA. The notice does not include the new servicer address nor the Federal disclosure regarding late payment protections. XX/XX/XXXX, I contacted XXXX to request a status of my loan modification application. XXXX informed me my application was complete and in " Underwriting '' and was also informed my loan has been sold. XXXX provided me with the contact information for the new servicer. I contacted Caliber and was informed by the Rep that they were waiting on loan modification documents from XXXX. I was confused by this since I did submit a completed application prior to the servicing transfer date. They stated my application was incomplete because they did not receive income documentation. I submitted Income documentation to XXXX with the original application to XXXX on XX/XX/XXXX. XX/XX/XXXX, notice from XXXX XXXX states that my property would be sold on XX/XX/XXXX. XX/XX/XXXX, notice from Caliber requesting I provide a complete package by XX/XX/XXXX. Caliber failed to allow 30 days to provide the package. As I understand the rules, a mortgage servicer can not start the foreclosure process if a completed loss mitigation application is pending. I believe this to be considered " Dual Tracking '' and constitutes a RESPA violation under the Mortgage Servicing Rules. In accordance with the Mortgage Servicing Rules, Caliber had a duty to send an acknowledgment notice to me within 10 business days of the transfer date. And, Caliber should have evaluated my application within 30 days of the transfer date, in in both cases, timing requirements were not met. In addition, XXXX received a timely complete application, and XXXX XXXX should not have moved for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-30

Fitzgerald, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-30

North Prosser, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-30

Glenwood, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-30

Five Points, NC

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Caliber services my present loan. They reached out to me to refinance. I went through the whole process including paying for an appraisal. They gave me a loan committment promising the terms of a refinance. They initially set a date but never sent the loan documents. They promised a new date to be set and that is when all communication stopped. Repeated attempts have been made by myself and my attorney to communicate with Caliber and they continue to ignore both of us. The process began XX/XX/2016 and my loan processor changed several time. Communication ceased XX/XX/XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-28

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My home Loan was sold from XXXX to Caliber Home Loans in XX/XX/2015. It has been nothing but a uphill battle and I have been doing everything possible to remain in my home. I keep getting the run around with Caliber by getting told to talk to a different department, person, call different numbers, requested to fax this document etc. all of which I do. I went to my bank and they requested from Caliber a pay off amount in hopes to refinance and get away from them and they received no response. They did research on loan with Caliber and suggested I contact an Attorney which I did. The attorney requested an pay off amount for the loan and he also did not receive an response. I did have a conversation with caliber one of many and was told that they needed written permission to communicate with anyone regarding my account with them so I faxed them my consent. I then received a letter from Caliber stating that they were going to cease communication because I obtained an attorney. My attorney faxed them another letter stating that is not what we are trying to do. We want communication! So my next step in hopes of clearing this mess up was to contest the XXXX account numbers and loans that are associated with my mortgage and Caliber asking them who, when, and how much the loans were and provide supporting documentation. We still have not received anything. In the mean time I receive a letter every month that I am in default and at risk of loosing my home. I am told by one Caliber department to ignore that letter as it is generated by another department and that I am dealing with another department. Caliber stated that I was also behind in my taxes and asked me to provide the last 5 yrs. showing the taxes being paid so I faxed them to them. Last year I paid both county and school taxes and Caliber paid them because they were not going being paid on time.I was unable to get my money back from the county and was told the check from Caliber was sent back to them. When I contacted Caliber and informed them of what happened I got the run around. It was not until 3 weeks ago and numerous phone calls over a 2 year period that I was finally able to get online and see my account. Apparently there was a block on my account. I never received receipts, paper statements, balances, etc. I would mail my payments every month to Caliber with my account number for one loan. In the letter I recieve once a month stating that I am in risk of foreclosure there is an amount that states the outstanding debt is a lot less than the amount that appears on Calibers website when I log onto my account. I can not get anywhere with Caliber and can not begin to tell you what this has done to my health but will continue to try.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-28

Quincy, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-28

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-27

Nantucket, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-01-27

Nantucket, MA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-27

Dumont, NJ

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

Boca Raton, FL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Halyoke, MA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Los Gatos, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check. Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done. I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-25

Murray, UT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XX/XX/XXXX mortgage payment was made before XX/XX/XXXX. Caliber is reporting this payment as a 30 day late. Would like to have this removed from credit report. My husband and I have no record of 30 days in the past 10 + years.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Longwood, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response