Caliber Home Loans, Inc.

2016-10-16

PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: To whom it may concern I would like to file a complaint regarding A mortgage modification from caliber home loans. I have been trying to get a home modification ever since XX/XX/XXXX when our mortgage was with XXXX. Since then my mortgage was transferred to XXXX then XXXX. In XX/XX/XXXX XXXX granted us a trial modification. We completed the trial modification on time and everything was fine. As we completed the trial modification our mortgage was sold to caliber home loans however they did not grant the modification. They kept telling us that they need more paperwork and more paperwork. However we kept sending them paperwork we then we 're given a date for foreclosure which we had to file for bankruptcy while we continue to wait for a modification. After years of trying to get a modification we seek help for funding from HEAMP and Pennsylvania house in the Authority assistance however we were told that we had an FHA mortgage so they denied us. They were only excepting conventional mortgages at the time. However recently within the past two weeks we found out when the mortgage was sold in the process to one of the different mortgage companies. We were switch from FHA to conventional mortgage. We are still trying to get a modification with caliber and we are now working with a third-party ( XXXX ) because of the back and forth with caliber. We again had to file bankruptcy because they keep asking for the same paper and foreclosed on us again. The third party as well as myself cooperated and sent everything in. They said we only need XXXX more documents. We sent those in. They said the need XXXX more documents those were sent in. We have been going through this too long. We were advised to file a complaint and this is what we are doing. Our hands are tied we have no where to go and we need help and assistance. I have proof of my situation that I will be sending in. The documents attached are recent letters of how they keep asking for the same information that they told me they received. They also let the third party know that they received these items. They were sent by myself and the third party. So they should have duplicate information. Also I will show how I was giving a trial modification from SPS. These will be on the attached documents. I have been going thru this since XXXX. For 2 years I have been trying for a modification and have been giving the run around. I am working with a third party and it 's still the same case.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-16

Seattle, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I emailed Caliber Home loans on XXXX XXXX asking for a payoff statement as I intend to pay the loan off. 7 days later, they responded, saying that I needed to provide a date that I wanted payoff through and to provide a fax number. I responded immediately on the XXXX, saying please give me payoff through XXXX XXXX and gave them a fax number to fax it to. Nothing happened XXXX XXXX, I re-contacted them again via email and asked that the case be escalated to a supervisor as I felt they were deliberately delaying me to continue to collect interest. XXXX XXXX, I receive an email stating that that they can only send a payoff for 10, 15, 30 days. My prior response on XXXX XXXX with a request for XXXX XXXX payoff would have been 10 days ... I sent several more emails asking for a payoff without response. Each time I asked that they escalate to a supervisor. They never did. No response since XXXX XXXX. I filed a complaint yesterday with the Federal Reserve and advised them of the fact. No response.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-15

NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Doylestown, PA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Council, NC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This is a letter I recently sent to Caliber Home Loans : To Caliber Home Loans, This is a formal request to continue the foreclosure proceedings on my home until XX/XX/XXXX. I feel my request is a valid one for the following reasons. The approval of the modification of my loan relies on my being able to meet the financial requirements. As noted in my previous request, I was in an auto accident on XX/XX/XXXX and injuries I sustained prevented me from working as an XXXX for for XXXX weeks. Despite having been working since XX/XX/XXXX and averaging over {$2000.00} per month, my income for XX/XX/XXXX to XX/XX/XXXX averaged less than {$800.00} per month. This reduced income for that time period does not accurately reflect my overall earnings. When I returned to work, I made {$2200.00} for XX/XX/XXXX ... not counting tips. With my rental income of {$1000.00} per month and my social security of {$1100.00} added to my real monthly earnings, I easily qualify for the modification. I have one opportunity for approval and I do n't want to chance it being denied because of these circumstances. Prior to Caliber Home Loans acquiring my loan XX/XX/XXXX, I had just submitted a modification package to XXXX XXXX Loans. To be candid, I found them to be a nightmare to work with in the nearly year I spent trying to get my loan modified but that 's a different issue which I 'll be contacting XXXX mortgage. I will also be filing a complaint with the North Carolina Banking Commission. This is the advice I received from my attorney. But at this time this does not involve Caliber Home Loans. However, I have received different information from your representatives. After the accident, I was told to submit my XXXX pay records from XX/XX/XXXX which I did and that average would be used for modification purposes. Then another representative told me that information was wrong and I must submit only my previous 3 months. Another time I was told I did not submit the XXXX page Making Home Affordable document ... which my scanned original shows I did. Another time I was told that one of my lease agreements was not submitted ... which again my scanned documents showed that I did. Several times I 've asked to speak with a supervisor without success. It sounded like the same problems I experienced with XXXX. I 've also consulted with a government organization that specializes in helping owners with distressed property and their suggestion was to get the matter continued so I can submit an accurate modification package. To summarize my financial situation, I still have over {$22000.00} in my bank account and I 'm willing to apply up to {$20000.00} towards my modification. I still receive XXXX per month rental income as well as another XXXX per month for utilities. I also receive my XXXX per month social security. Now that I have returned to work, I earn over XXXX per month XXXX. That totals over XXXX per month. Also, I 'd like to note that other than my mortgage and related expenses to my home, I have no other debt. Should my request for postponement be denied and the sale of my house goes forward, I 've also consulted with my bankruptcy attorney and I 'll file Chapter XXXX which will prevent me from losing my home. I hope you take everything I 've written into consideration. I 'd also like it noted that I had an appointment with the IRS to get a certified copy of my tax return but due to Hurricane XXXX, that was rescheduled for this Wednesday XX/XX/XXXX. As soon as I have my appointment, I will be again submitting my modification package. Sincerely, XXXX XXXX XXXX I 'd like to add that I 've saved this money because neither Caliber nor the previous lender XXXX will accept payments due to my foreclosure status. All I 'm asking for is a continuance until mid XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

OR

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Chester, VA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-13

Wrentham, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Caliber Home Loans entered into short sale negotiations in XX/XX/XXXX ( all the while sending a foreclosure notice for XX/XX/XXXX sale date : 60 days ). We provided documentation as the home sold and entered into a Purchase Agreement on XX/XX/2016. The Realtor, XXXX XXXX uploaded necessary docs requested via the servicer 's portal. XXXX on XX/XX/2016. She experienced issues with the uploads and called Caliber. They notified us on XX/XX/XXXX that they needed this done by Monday XX/XX/XXXX or the " 37 day rule '' would bar them from proceeding and they would go to foreclosure sale and cease short sale processing. I subsequently XXXX the same documents to them. They refuse to deal with us. I called their legal counsel with no return call 10 days ago. This property is in imminent danger of a foreclosure due to their portal issues.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Lexington, NC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: our home loan was sold from other finance company in Florida to Caliber Home Loans. Attempted to contact on Website, phone, email and through our online account unable to obtain or speak to anyone. No loan activity nor payment for our mortgage has been taken out for XX/XX/2016. Upon checking reviews this company has a history of not returning calls, not receiving payments and filing foreclosures on the proprieties, we are in fear that this is going to occur with our property. Complaints have recently been flied on this company for the same reasons as related above
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Newnan, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Federal Way, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Foothill Ranch, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-12

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XXXX 2016 and subsequently on XXXX XXXX, 2016, I submitted and supplemented my loan mod application to Caliber Home Loans which they acknowledge receipt of a full and complete package on XXXX XXXX, 2016. I was told that they would contact me with a result and/or if they needed additional information to supplement my request for modification. I received two letter after that, one dated XXXX XXXX which is the SCRA notice letter and another letter dated XXXX XXXX, 2016, telling me I was in default of my loan and that I needed to pay. Nothing regarding the status of my loan modification. On XXXX XXXX, 2016, more than 60 days after submitting my request, I was told that my modification was denied on XXXX XXXX, 2016. I was not notified of the denial and was told that they could not talk to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

PA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I worked with XXXX County Courts to save my home from foreclosure, last year we came to an 5 year agreement, we had XXXX trial payments, then we started a 5 year modification, starting XXXX/XXXX/2015. During the proceedings the mortgage company was made aware of past due taxes still owed on our property, we received a notice of a sale for the taxes back on XXXX/XXXX/2015. The mortgage company paid the taxes due, this year they sent me a notice increasing the amount owed each month by {$500.00} per month, which is for past due and 2 years future payments. I am in a modification and can not handle the extra amount. When I notified the mortgage company, I was advised to file a modification, which I can not because it will cause the court order to be voided. We are paying our mortgage bill monthly and can pay the current escrow amount, but the past due as well as 2 years future payment as a loan payment is something they are aware that we can not afford. My current finances have not changed much, should they do I have no problem sending them extra money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Cherry Hill, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-10

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-10

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement. According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property. The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes. Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan. The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-10

WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-09

E Hartford, CT

Credit decision / Underwriting

Mortgage: FHA mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-08

AL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015? If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law. Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome. Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-08

Carbondale, CO

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This complaint is related to my efforts to file a loan modification application, statements made by the bank to me about whether they would forestall the foreclosure, and irregularities I noticed. Caliber Home Loans sent me a modification loan application which I filled out and mailed back. I received a letter from Caliber stating I did n't send my pay stubs or completed the forms and that I had 30 days to get back to them- the letter was dated XX/XX/2016. But I did send my pay stubs along with the budget and forms filled out and signed when I originally mailed them back. So I called the bank to let them know I was faxing the papers over but alos wanted them to know that I have a copy of the application in front of me and I sent them everything. While one the phone with them they said the house is in active foreclosure scheduled for XX/XX/2016. I asked Caliber to please stal the foreclosure while they review my paper work but they could n't give me a yes or no answer that my loan application has been expeditied for review. I sent documentation that the bank is denying was received. Which has occurred before. Sometimes a CFPB complaint will get the bank to stall a foreclosure.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-07

KS

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In the XX/XX/XXXX Caliber Home Loans bought my loan from XXXX, my husband had lost his job, we were in the middle of a modification, Caliber granted that in XXXX of XXXX. We made three or four payments, I had to miss work due to an illness, my husband was ill and therefore we got behind on our mortgage. I applied for a modification on XXXX XXXX, XXXX, the rep told me it would n't be a problem, well, this is when the nightmare began, they denied it saying we did n't have a hardship, they had already given us a mod this year, and we did n't have enough income, they had his income down wrong. The rep also told me not to make a payment in XXXX. By this time I am behind 4 months, I had received a breach letter, it was due to expire in two days, they set me up on a payment plan for {$3200.00} down and {$2700.00} a month for two months after that, they told me they do n't stretch it out for six months. I was approved for that plan, I called back, a lady told me you do n't have to do that plan, appeal the modification they denied, and I will take a payment over the phone on the XXXX of XXXX, I got a card in the mail that said they were taking out a payment, I had already sent a check, I had to stop payment on the check, so they did receive a payment in XXXX, I called back in XXXX, now they 're telling me they denied the appeal, they ca n't take one regular payment because the breach letter expired on XXXX XXXX, I have been turned down for any type of repayment plan because I make too much money or not enough, I applied again for a modification, I was turned down again, they keep wanting paycheck stubs, I send that, then they want me to sign them. It goes on and on, I am writing to you because I saw in your letter they have to give you six months to stretch out the loan, if that 's the case why ca n't they take what I owe and divide it by six??? They keep threatening foreclosure, they wo n't give me modification, the down payment is very high, but they tell me they do n't want the house. I am XXXX years old and have been a XXXX for 34 years, will someone please stop these people and help me get a modification or a payment plan where I can keep my house!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-06

N Valley Stream, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response