Caliber Home Loans, Inc.
Consumer Complaints
There are over 3498 complaints on file for Caliber Home Loans, Inc.. Dated between 2019-12-02 and 2012-02-14.
Complaints Page 80
2016-05-04
Norwalk, CT
Loan servicing, payments, escrow account
Mortgage: Conventional adjustable mortgage (ARM)
Company Response: Closed with explanation
2016-05-04
Hamburg, NY
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.
Company Response: Closed with explanation
2016-05-04
MD
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.
Company Response: Closed with explanation
2016-05-03
Chester, NY
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-05-03
Falcon, CO
Loan servicing, payments, escrow account
Mortgage: VA mortgage
Company Response: Closed with explanation
2016-05-03
Syringa, VA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Below is one of many letters written to Caliber explaining their multiple misappropriation of funds errors : We were instructed to write a letter to your department directly by XXXX, ID # XXXX today, XXXX/XXXX/2016 regarding the misappropriation of funds handled by your cashier department. There has been a total of {$3800.00} sent in for XXXX and XXXX mortgage payment that has not been applied to our account. Today we received a breach of contract letter and notice that foreclosure was impending by the end of this month. This in turn has allowed Caliber to qualify us as " in default '' therefore sending HUD documents via mail that have been arriving at our home and past due threatening phone calls are made daily to our phone. These calls and mailings started arriving the XX/XX/XXXX. This prompted us to log into our account to see what the problem was. This is when we realized XXXX payment was not applied, subsequently, XXXX payment was not applied either. We made several calls into Caliber as well as several submissions online inquiring about what the problem was. No one ever responded to the online submissions and each rep gave us a different explanation about what the problem is. This is when we started recording the conversations. I can send them on a thumb drive so you can hear all of the opposing instructions and explanations we have been given over the past month or can be sent to an email. All of these recorded calls were emailed to the CEO 's assistant without response. We even had one rep say DO NOT make XXXX payment. That is recorded. We were told by another rep that we might have difficulty finding another lender to just refinance since Caliber has started the pre-foreclosure process already and has reported us to the credit bureau for being XXXX past due even though Caliber has record of receiving both XXXX and XXXX payments, that is recorded. We ca n't even see where the {$3800.00} to any of the fees either despite that is " probably where it 's going '' per your reps. There is no proof of this that has been provided.
We have notified you of your error via certified mail which we have proof of receipt, we have emailed our draft statements from XXXX XXXX XXXX, our bank that reflects more than the normal payment due that we have paid for several months now including XXXX and XXXX, we have submitted our proof of payment online and your own website/system reflects this. We have invested 80 hours in dealing with this. I have instructed my employer today that I will have to take off the rest of this week to file whatever paperwork I need to through the proper channels. This is having an extremely detrimental effect on our family including our minor son and it 's taking a insurmountable toll on our family and we all have had XXXX, XXXX and XXXX pain and suffering because of these ongoing Caliber misappropriation of funds errors.
Regards, XXXX XXXX XXXX
Company Response: Closed with explanation
2016-05-03
NC
Loan modification,collection,foreclosure
Mortgage: Conventional adjustable mortgage (ARM)
Complaint: My financial hardship began on XX/XX/XXXX when I first fell past due with my payments on my mortgage thru Caliber home loans. Prior to falling past due with my payments I had contact Caliber home Loans and advised them of my situation, they had advised me that they could not help because I was current and that I needed to fall past due to get help, I let them know I was no longer able to afford the mortgage due to only XXXX income so I would need to default XXXX way. I had applied for help 7 times only to be denied over and over again. I finally received help on XXXX XXXX where I was approved for a trial plan, the plan trial was set for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with payments of {$530.00} which I made a 3 payment on time and was looking forward tot he final documents to get this nightmare behind me. I waited for 5 months calling them almost daily requesting the final documents but I never received them, I then later called Caliber and they advised me the loan was denied on XXXX/XXXX/XXXX for failing to sign the final documents.
I argued with Caliber to resend them but they refused and have scheduled a foreclosure date for XXXX/XXXX/XXXX. Caliber had advised me that the only option was to reapply, I received the documents on XXXX/XXXX/XXXX to reapply which I filled out and sent it back on XXXX/XXXX/XXXX, I have been calling daily but they say they have not received it. My divorce was finalized on XXXX and I gained full custody of my son it 's hard already not having his mother in the home but to lose our home too it 's not fair for him. Please help me in saving my piece of the American dream, my home.
Company Response: Closed with explanation
2016-05-02
Stevenson, MD
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: I am working with a lawyer to attempt a loan modification and the most recent documents from the mortgage company states " account was reviewed and denied for loan modification on XXXX/XXXX/2015 due to debt to income ratio out of acceptable guidelines. Account currently no longer being solicited due to Cease and Desist placed on the account ''.
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property.
Company Response: Closed with explanation
2016-05-02
Shulerville, SC
Settlement process and costs
Mortgage: Conventional fixed mortgage
Complaint: After reviewing my credit report I notice a foreclosures from a mortgage company called Caliber Homes that I never heard of or had a mortgage with! The only mortgage I have had was through XXXX mortgage. I then realized there were XXXX foreclosures from the same property. My wife and I went to court and lost our home to XXXX in 2013.
I submitted a dispute with the credit bureau regarding Caliber Homes and requested the name, address and telephone number, of who they contacted in order to verify the information. I informed them that I was putting a file together of all names, titles, and documents. This would provide me with legal documentation if I need to take this to court.
. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I went to the county court and got a copy of the foreclosure all documents had XXXX. I spoke with the staff at the county court and they also could not understand how a company could place a foreclosure on a credit report without taking them to court because XXXX is a judicial foreclosure state.
I 'm demanding the Caliber homes remove this from my credit report.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Please see attached documents.
Company Response: Closed with explanation
2016-05-02
IA
Application, originator, mortgage broker
Mortgage: VA mortgage
Complaint: My husband and I are the sellers in this situation. Our buyers were working with a home loan company since XX/XX/XXXX in order to obtain a VA loan. They are military Veterans who had moved from XXXX to XXXX recently. Neither buyer or seller had realtors so we depended on good communication and a reliable loan consultant. This couple had credit issues and were told at the beginning they needed to pay down some credit cards which they did. They needed to raise their credit score. Then they were told that there was a late payment to a credit card last XXXX XXXX XXXX and they would be required to wait a year from that date before the loan process could proceed. Then they were told that their debt ratio was not acceptable. By this time the sellers were in need of a line of credit letter or pre qualification letter for our seller. The letter of credit is attached and dated XXXX XXXX however it was not emailed to our buyers until late XXXX XXXX XXXX. The seller now is faced with a penalty regarding purchase of their new home because this loan process is moving so slow. They are concerned that this loan is not going to happen. At this point in time I start to text the loan consultant and seem to get some assurance that the loan will close XX/XX/XXXX ( see attachment of texts ). XX/XX/XXXX I text the loan consultant again about closing since we have not heard from anyone and the comment if " Not at all ... speak to your buyer ''. At this point My husband and I decided to visit with the loan consultant to get some answers and when we got to his office we discovered that there were no computers, phones or employees. We finally found an employee who told us that the loan consultant that we were looking for was no longer with this company. He had moved to a new loan company that moved down the hall. According to XXXX 's website they opened this new office XXXX XXXX. My understanding is that it takes at least XXXX weeks for a loan consultant to move from one company to another so this particular agent knew many weeks prior to his move that he would be leaving Caliber. We met with the office manager of XXXX and was told she could not talk to us because we were n't her client but she did acknowledge that she knew the buyers name. The buyers have had to go elsewhere for their loan.
I believe that this agency was unethical and did not put the customer first. I think they forgot that the 'customer comes first ''.
Company Response: Closed with explanation
2016-05-01
Etiwanda, CA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-04-30
Plattekill, NY
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Caliber Home Loans has persisted in concealing an agreement they made with XXXX when they sold the loan to Caliber in XXXX 2014. The agreement was for Caliber to address errors in our account committed by XXXX. Caliber has also continued to make mistakes when attempting to address our concerns. They are outlined in the documents attached but include : failure to appoint a Single Point of Contact for over 5 months after assuming servicing of the loan, the SPOC ( XXXX XXXX ) refused to complete research on our account to address errors, Caliber continues to remove an unsubstantiated claim of {$3500.00} of deferred interest applied to our account by XXXX, and most egregious Caliber sent us letters with the addresses and account numbers for XXXX different homeowners. Additional information is attached.
Company Response: Closed with explanation
2016-04-29
Lilburn, GA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-04-29
NY
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Company Response: Closed with explanation
2016-04-28
Allentown, PA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-04-28
Pinellas Park, FL
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.
Company Response: Closed with explanation
2016-04-28
South Florida, FL
Application, originator, mortgage broker
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-04-28
Fresno, TX
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: My Complaints are follows against : U.S. Bank, NA/XXXX XXXX XXXX 1. Per the attached scanned foreclosure letter from the Attorneys of U.S. Bank, NA/XXXX XXXX Loans, the terms of my mortgage Note/Loan originated by XXXX XXXX XXXX in XX/XX/XXXX has been changed from a fixed rate of 5.875 % to an unknown Adjustable Rate Note. This supports the fact that the loan documents and Deed of Trust have been separately casting serious doubt on XXXX 's right to foreclose.
2. This loan has changed ownership more than 3 times namely : XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank NA, /XXXX XXXX XXXX ; and XXXX Master Participation Trust. The question of the day is who really owns my note and who has the right to foreclose on the note? There are so many inconsistencies using XXXX XXXX XXXX that flawed the originality of the loan, casting doubt on who is the real owner.
3. Excessive late and other fees and U.S. Bank, NA/XXXX XXXX Loans practice of applying all my mortgage payments disbursed to it to these fees first. This unfairly practice leaves my principal to increase exponentially. This is " Pyramiding '' of mortgage payments. This negligent and unfair servicing and series of unapplied funds as you can see from the attached mortgage statement from month to month, my past due amount kept going up month after month.
4. Now that I am asking too many questions, XXXX refused to accept payment and blocked my ability to make payment online until I have agreed to their Adjustable Interest Only payment modification for 5 years. U.S. Bank, NA/XXXX XXXX Loans have listed in the Court House and decided to sell through auction my property to the highest bidder on XXXX XXXX, XXXX.
I need an urgent voice to stop U.S.Bank, NA/XXXX XXXX XXXX unfair business and illegal practices prevent them from illegally foreclosing on our house.
Company Response: Closed with explanation
2016-04-27
Mercer, PA
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-04-27
Three Bridges, NJ
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: XXXX was the servicer of my loan, it was sold ( to whom, I do n't really know ) and XXXX became the servicer. XXXX accept my loan modification as '' complete '' but in fact, it had no signed IRS tax transcript request and no signed Dodd Frank certificate. No signed IRS Tax Transcript request, and neither XXXX nor Caliber ever wrote to me to say this form was missing. MY RMA was denied, by Caliber for HAMP and then later, an in house mortgage. Caliber is now asking me to send in everything again. Therefore, they denied an incomplete application.
Company Response: Closed with explanation
2016-04-27
NY
Loan servicing, payments, escrow account
Mortgage: Conventional adjustable mortgage (ARM)
Company Response: Closed with explanation
2016-04-26
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-04-26
MI
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.
Company Response: Closed with explanation
2016-04-25
Stamford, CT
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-04-25
Fresno, TX
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: XXXX, TX XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX Caliber Home Loans , Inc Attn : Loss Mitigation XXXX, OK XXXX Tel : XXXX Fax : XXXX XXXXXXXXXXXX Ref : Complaint against Caliber Home Loans. Loan # XXXX On XXXX XXXX, XXXX, we financed {$150.00}, XXXX our home XXXX, Texas, XXXX through XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX at 5.875 % interest rate.
On XXXX XXXX, XXXX, owner of property Deed of trust XXXX, husband to the borrower of note filed Chapter XXXX wage earner plan to help manage and catch up in our mortgage payment with base loan principal balance of {$120.00}, XXXX. The borrower was out of the United States for 7 years on immigration request.
On XXXX XXXX, XXXX, XXXX XXXX XXXX who bought the loan bypassing XXXX ( XXXX ) requirements from XXXX XXXX XXXX XXXX 10 to 15 days after closing sent us a mortgage statement with principal balance on the loan of {$130.00}, XXXX.
On XXXX XXXX, XXXX, XXXX XXXX XXXX notified us that the servicing of our loan was being transferred to Caliber home loans effective XXXX XXXX, XXXX and that all payments in transit will be rectified and deducted from the above balance. That was not the case. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, I have been paying into Chapter XXXX Trustee account as agreed, the amount of {$2100.00} through ACH draft monthly.
On XXXX XXXX, XXXX, XXXX XXXX XXXX sent us another Mortgage statement with a principal balance of {$130.00}, XXXX. This is given, that they may have not received or posted any disbursement from the Trustee.
On XXXX XXXX, XXXX, my Chapter XXXX Trustee disbursed to XXXX XXXX XXXX {$8100.00}. My balance was not adjusted for this payment.
On XXXX XXXX, XXXX, we received another mortgage statement still showing our principal balance to be the same as stated on XXXX XXXX, XXXX and XXXX XXXX, XXXX.
From XXXX XXXX, XXXX and XXXX XXXX, XXXX, total payments disbursed to Caliber Home Loans alone were {$20.00}, XXXX. My chapter XXXX case was dismissed XXXX XXXX, XXXX because Caliber promised a modification to make our loan affordable.
From XXXX XXXX, XXXX through XXXX XXXX, XXXX, we were placed on trial payments which resulted to an additional payments totaling {$3200.00} to Caliber home loans. Yet, we are still being told by Caliber that our principal balance is {$140.00}, XXXX. The question Caliber Home loans refused to answer is where did all above payments totaling ( {$31.00}, XXXX ) apply to.
In lieu of the above, how can we mathematically have an increasing balance of {$140.00}, XXXX?, given that when I initially filed my first Chapter XXXX on XXXX XXXX, XXXX, my principal loan balance then was {$140000.00} Caliber Home loans approved for interest only payment modification for 5 years however, it was contingently accepted pending on the reconciliation and rectification of the above referenced " irregularities '' and " pyramiding '' practices by caliber Home loans. Since Caliber Home Loans could not easily coerce us into accepting an unfair interest only payment modification for 5 years without regards of answer to the unapplied and misappropriated, excessive and incorrect amounts of late and other fees that resulted to the unfair increased total balance, they resorted to the path of foreclosing our home.
Caliber Home Loans never had any unquestionable interest in modifying our loan.
Fact : On XXXX XXXX, XXXX, Caliber offered us HAMP loan modification of {$1400.00} per month which was higher than our payment on the original note of $ XXXX/month. This offer was not accepted by us. Subsequent request for Mortgage Assistance was flat out denied by caliber Home loans. On Appeal of the denial on XXXX XXXX, XXXX, Caliber a
Company Response: Closed with explanation