Caliber Home Loans, Inc.

2016-09-20

Flemington, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-20

Conyers, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-19

AL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I believe I have been charged in some cases for estimates, or estimates for future services. There are also excessive fees have been, and continue to be charged to my account, such as property inspection fee, charged when no services have been performed, or charged less than 45 days apart, when property inspection reports, home is occupied and in good shape. Please accept this letter under RESPA and/or TILA. Please provide the following information regarding the above referenced loan : Please provide a complete, itemized list of fees, charged to my account, with dates of services performed. I also need all invoices, for fees paid, for services performed, and fees owed. Please specify if any fees are estimates, or estimates for future services. Please fix and adjust all errors, on my account. 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

2016-09-18

AL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Can someone please explain to me why a Notification of Sale, from XXXX XXXX, in regards to XXXX vs. XXXX XXXX, at al., was included in a response to Case XXXX, page number XXXX, in upload ; XXXX. How exactly does this relate, to my complaint? Whom added it to my file? Why was it added? When was it added? Where was it added? What is location of employee, or representative, and identity of Caliber Rep, whom uploaded this to CFPB, please explain, in detail. Did any representatives of your company/ and or investors related, place a bid by email or fax, on my home, previous to foreclosure sale scheduled for XXXX/XXXX/16? Did any representatives of your company/ or investors plan on placing a bid, by email or fax? Did your company/ and or investors related, inform XXXX and XXXX , of any such planned bids if so, what was amount? Please explain how, and why this is/ was done. Has your company, or any of its affiliates, ever placed bids on foreclosed homes by email, or fax, in XXXX County? Does Caliber, or any its representatives, bid on homes in which they have foreclosed on, by email, or fax? Does Caliber, or any of it representatives, bid on home 's foreclosed by fax, or email, in which other other lenders have foreclosed on? It is clear that XXXX, KY, solicits, and allows such bids. Please list other, municipalities that your company or representatives, have bid by fax, or email.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-18

AL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: DATE : XX/XX/2016 TO : CALIBER HOME LOANS XXXX XXXX, XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Information Request Mortgage Loan Number : XXXX I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, XXXX XXXX. Why did it take your company more than 5 days, to mail a RESPA receipt, in response to a correspondence you received on XX/XX/2016? I am attaching documentation to prove your company failed to respond within 5 days, dated XX/XX/2016, post marked XX/XX/2016. If you need to contact me to discuss this request, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, XXXX XXXX. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-18

AL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist? Immediately stop foreclosure proceedings, and fix all errors.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-17

TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Got a home loan from caliber. After 3 months the note was sold to XXXX. Caliber sent notice of sale an to no longer send payments to them. The other bank never had it set up. Learnt after many attempts to make a payment that the paperwork was not submitted in time so they did n't except it. Caliber has closed the account an will not take a payment. It has been 4 months an worried of forclosure. Caliber will not discuss anything saying the account was sold. This dispute over someone not getting the paper work done is gon na cost us the house. We have made many attempts to resolve this with certified letters an having an attorney send both company 's letters with no luck. They should not be able to do this to people an get away with it. There should be a law to protect the home ower. Average people do n't have deep pockets to keep paying lawyers to fight for something that 's the mortgage company 's fault!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Bissell, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Five Points, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-16

Crown Point, IN

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

AL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: THIS IS NOT A DUPLICATE COMPLAINT TO XXXX. I c.c., the CFPB, in efforts Caliber Home Loan, be held accountable, and to document on record, illegal the and unjust activities that exist to date. There are payment errors, escrow errors, fee errors, servicing errors, payoff errors, and foreclosure errors, that need to be addressed. I also requested, a complete servicing file, a copy XX/XX/XXXX and XX/XX/2015 mortgage statements. A itemized reinstatement, and for all errors to be fixed on account. I am also attached some additional, inquires, and notices that I have sent to Caliber, that have yet to be addressed or acknowledged, I will also be fowarding them to additional, state and federal agencies. Caliber continuously refuses, to properly address loan, lie, blatantly ignore, and disregard, multiple state and federal laws. There are many issues that continue to date, in which additional complaints will follow.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-14

Neptune, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-13

Washington, DC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Granite Qry, NC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Hollywood, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-13

Bertha, MN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Hamburg, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was with XXXX and was supposed to include escrow. However at the time of signing no escrow was included and I was advised that the will add the escrow after we signed the documents. Well that did not happen and I contacted the person who closed the loan and was told he no longer worked with them but they can look into to it and get back to me. Well that did not happen and the branch ended up closing and nobody could help me. Needless to say I fell on hard times and my home went into foreclosure with XXXX a lock was placed on my front door and I was unable to gain access to my home. I contacted XXXX and they informed me that it was pulled out of foreclosure so I asked for the key and gained access to my house. At that time they told me I was responsible for the taxes on the property and I said okay. They then sold my mortgage to Caliber Home Loans who would only do a interest only payment modification for 5 years which and the balance on my mortgage is more that the house is worth. I had to take that option or lose my house. I have not missed one payment. I then receive a bill for my XXXX payment for XXXX which is XXXX more than my payment was. Come to find out it is because XXXX never paid the taxes when they had it in foreclosure and it was just added to my mortgage. I can not afford this. The balance on my mortgage is more than my house is worth. I need a modification that will lower my payment for the life of the mortgage not just interest for 5 years. It will put me back in the same position I was.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Jacksonville, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am set to lose my house to foreclosure on XX/XX/XXXX because my lender XXXX failed to honor the terms of an approved loan modification that I received from XXXX XXXX XXXX right before they sold the loan to Caliber. If Caliber would have honored the terms of this approved modification I would not be in this situation. Instead, I have spent several YEARS going back and forth with Caliber trying to get approved for assistance while being repeatedly stonewalled by the agents who work there with various excuses as to why they ca n't help me. I can afford a fair payment, I want to make payments to them, but they have refused to allow me to make a payment to them during this long period and have said the only option is to repay all of the late payments at once. Since this process has been dragging on now for years, that amount has continued to grow. There is no way I can repay all of the late payments in one lump sum, but why ca n't they offer a modification or a repayment plan or ANY options and why over the course of three years have they continually made excuses as to why they ca n't do anything. I have lived in my home for nearly 30 years. I worked for years as a cable TV technician until I was involved in a major car accident. I was hit by a drunk driver and have not been able to work since XX/XX/XXXX. I receive fixed income and had enough money to pay my bills and never had any problems with the mortgage payment even after the accident. Then XX/XX/XXXX both of my parents passed away. I had to help cover their funeral and burial costs and this put me in a tough spot and I ended up falling behind on the mortgage. At that time XXXX XXXX XXXX held this loan and I contacted them and applied for a modification program and eventually was APPROVED with monthly payments of approximately {$1000.00}. However, right after I was approved for this program the loan was transferred to Caliber and my problems began. For some reason Caliber would not honor the modification that had been approved by XXXX XXXX XXXX. I was told I needed to apply again. This began a very frustrating process of collecting all of my financial documents and sending them in, only to be told something was missing and having to send everything in again. Each time I was given a different story. Sorry XXXX XXXX, we do n't participate in government programs ( this company accepted millions in bailout funds so that is not true ) sorry XXXX XXXX we never received these documents ( I sent and re-sent paperwork at least 50 times ) sorry XXXX XXXX you make too much money to qualify for help ( WHAT?? ) etc. etc. I am now faced with a foreclosure sale date on XX/XX/XXXX. This house is shelter not just for me, but also my daughter, grandson, brother and my girlfriend. We have the means to make a payment. I realize that I am behind, but this problem was solved by XXXX XXXX XXXX when they offered me a modification. The problem is that Caliber failed to honor this modification and has for the last few years given me ZERO options to resolve this problem ( other than pay the full amount past due ). It is frustrating and wrong that I could lose my home due to their failure to offer ANY type of reasonable option at repayment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Three Bridges, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have declared bankruptcy and Caliber has posted my home for Sherrifs sale twice during this period without requesting relief to do so. Please see the attached letter from my lawyer.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Three Bridges, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I was behind on my mortgage for my condo, The total in back payments was a little over XXXX. The payment has been {$790.00} for the past years, which is confirmed on my credit report,, I paid the {$62000.00} to have the account current. The bank told me my payment will remain the same as long as I continue to make payments on time. After my payment of {$62000.00} was received, the bank started to send me bills of {$2500.00}, {$1400.00} not the agreed amount of {$790.00}
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-12

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-11

Jupiter, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: dear sir i did respond with a dispute-this is my XXXX complain on caliber home loan -- i did call to XXXX rep on this loan modification and geting deterrent answer-they asking me again and again to send them paper -- -please ask them to tell me in righting what they wont -- going to send them again-spoke on-XX/XX/2016 to id XXXX-on -XX/XX/2016 to id XXXX -- on XX/XX/2016 to id # XXXX also spoke to id # XXXX -- -also on this date spoke to manager XXXX id # XXXX they wont me to send again to them what i already send them -- -- -- -- -- also have a co helping me with all the paper theta they asking co name XXXX-debit management credit consulting i am sending back to them paper theta thy asking -also sent 2 email on the site caliber home loans -- -- on XX/XX/2016 i did send them all what they need, a-3 party send them all the wont to do a loan modification going to send them again -- can they be specific what they wont -please help-than you, please have them send in righting what they wont XXXX,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-09

East Windsor, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Bedford, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We are trying to pay off our mortgage loan. When asked for a payoff statement, the amount of principal remaining does not make sense based on our agreed to payments and the loan maturity date. The customer service reps on the phone could n't even look at the payment history that the company sent me by mail. In reviewing the payment history, it appears that some of my mortgage payments were n't applied or were misapplied to interest.
Company Response: Closed with explanation

Disputed: Yes Timely Response