Caliber Home Loans, Inc.

2016-09-07

Nyc, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Warrenton, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Unity Plaza, CT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Chestnut, NJ

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Adelaide, WA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Viewfield, SD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Being over charged for escrow payments. Have request reanalysis for escrow 3 times. What is being paid by escrow for the year. XXXX insurance. XXXX taxes XXXX pmi for the year. total XXXX a 2 month cushion of XXXX. The yearly amount needed including a 2 month cushion is XXXX which comes out to XXXX a month. My current escrow payment is XXXX it should be XXXX There is not an escrow shortage.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Ridley Park, PA

Other

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Frisco, TX

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Frisco, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Arlington, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Kawaihae, HI

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Decatur, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-05

Arnold, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I recently contacted our mortgage lender to initiate a loss mitigation application to see if our loan would qualify for a modification. As of XXXX XXXX, 2016 all requested documentation was uploaded to their document portal and they have informed me the request will be reviewed within 30 days. I received a letter, dated XXXX XXXX, 2016 that states Caliber Home Loans is transferring our mortgage to XXXX XXXX XXXX, effective XXXX XXXX, 2016. I just finished yet another telephone call, expressing my concerns for the loan being transferred while the loss mitigation/modification request are in the middle of review. I fear our loan is going to slip through the cracks. We do n't want to lose our home of 17 years because our voice was not spoken loud enough. I need this company to pay attention to the issues being addressed. Currently, I feel as though we are another loan being sold, another number on the books and we are at jeopardy of losing our home due to this companies oversight/negligence. At the beginning of this process, I did contact XXXX. They referred me back to the lender, stating if there is anything at all that could be done, any government program we would qualify for, Caliber Home Loans would know about it. After working with this company for the past few months and especially after receiving notice of the transfer, I do not feel as though they are trying to help whatsoever and just want to pass the buck to the next lender. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

Fithian, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Marlboro, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Krakow, WI

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-01

Richardson, KY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-01

Eugene, OR

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Richardson, KY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Crossings, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Charlotte, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it. I lost my job on XXXX. I contacted Caliber on XXXX XXXX. 1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX. 2. I received a request for more documentation and submitted it on XXXX XXXX. 3. I received a request for more documentation and submitted it on XXXX XXXX. 4. I received a request for more documentation and submitted it on XXXX XXXX. 5. I received a request for more documentation and submitted it on XXXX XXXX. 6. I received a request for more documentation and submitted it on XXXX XXXX. 7. I received a request for more documentation and submitted it on XXXX XXXX. 8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home. The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information. The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job. I would be happy to share all of the details, which I have maintained. As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Medina, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: We purchased our home as an estate XXXX. The executor of the estate failed to notify the Assessor 's office that the owner was deceased prior to these taxes being paid, therefore the exemptions of {$620.00} were applied to the XXXX school taxes. The unentitled exemptions were then applied to the XXXX XXXX taxes. This extra charge on the XXXX XXXX taxes made the taxes appear to be more than anticipated. However, this is not a tax increase and should not be anticipated towards the XXXX taxes. Caliber home loans is taking this added exemption fee as a tax increase and they are raising my monthly payment {$210.00} in anticipation of this being the new tax amount. I have forwarded a copy of the XXXX tax bill clearly showing the exemption removal fee of {$620.00}, a letter explaining this situation, a tax record information sheet that shows a more realistic tax amount, and the letter showing these exemptions being removed late. The company conducted a review by calling the town and asking what the XXXX tax amount was. I am not stating that the XXXX tax amount should be lower, I am stating there was a fee added that should not be anticipated for the XXXX taxes. The representative and supervisor that I spoke with today both stated that they will do nothing for a one off situation like mine and will not accept any proof other than a tax bill showing a lower amount. I asked if I could ask for a more realistic tax figure from my town hall and they refused this is well. I was even told that their research department only handles paying taxes and would probably not even know what to do with a situation like mine. I feel that it is extremely unfair that I am not even able to prove this discrepancy and am being forced to pay an amount that I have expressed is to high and have proof that is incorrect. Their solution is to pay this unaffordable amount from now until the new tax bill comes out in XXXX and if the amount is less they will refund me. This is not realistic as I do n't believe that I can afford the new proposed monthly payment. All I want is a fair review and an opportunity to pay the correct amount.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Fountainville, PA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Itasca, IL

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Complaint: This report requires provisions from HEPA laws and Fair Credit Reporting. XXXX refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response