Caliber Home Loans, Inc.

2016-03-17

East Mansfield, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Hillsdale, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX, NJ XXXX XXXX XXXX, 2016 Caliber Home Loans XXXX, OK XXXX Account Number : XXXX RE : Request for Payoff Statement TO WHOM IT MAY CONCERN : We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to 12 CFR 1026.36 ( c ) ( 3 ). For the record, we continue to dispute the validity of the alleged debt. " PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you. Sincerely, XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-15

Lox, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Alpharetta, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-15

Boston Harbor, WA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Nyc, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Los Angeles, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

AL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My loan originated with XXXX. The lock in agreement did not match the loan on signing day. I was told that issue would be straightened out, only to learn XXXX dissolved and loan was transferred to XXXX. A year later I was laid off and discovered there was loan modification program, I could possible qualify for. ( Keep in mind, my wife and I had credit scores of XXXX at this time. ) Initially XXXX informed us, unemployment was not considered income. A few months had past, and the unemployment rule was changed by XXXX, we were told we met all requirements except, we needed to fall delinquent two months on loan. Falling behind on our payments at the request of XXXX, the life that we knew was forever changed. Business and employment opportunities were limited, due to credit. XX/XX/XXXX I was forced into bankruptcy to save the home, while in bankruptcy XXXX continued to call me, tape notices to my mail box and door. Also while in bankruptcy XXXX was not applying the payments that were sent to the trustee to the loan properly. XX/XX/XXXX loan mod finally approved. Find out XX/XX/XXXX almost {$12000.00} was added to my loan in one month. XX/XX/XXXX XXXX sends " Wrongful Foreclosure Check '' {$2500.00}. In XX/XX/XXXX I discovered between XX/XX/XXXX - XX/XX/XXXX a total of XXXX property inspection fees were added to my loan, most of which were not disclosed on statements. XXXX XXXX loan sold and transferred to Caliber, I sign and send privacy notice, not to share information pertaining to account and mailed letter questioning the validity of debt. Some other issues include lender placed insurance and payment gap between cancellation date and purchase date, billing irregularities and postings of said insurance. Some years I have been charged twice for lender placed insurance. Both Caliber and XXXX failed to apply payments and posting within two days multiple times. Inaccurately posted payment amounts. Caliber for months failed to disclose amounts in suspense accounts on statements, or notify me of any such funds. Did not apply monies when within {$50.00} of scheduled payments. At times monies in suspense account exceeded payment amount. Caliber reversed XX/XX/XXXX payment and modified it according to XXXX XXXX statement for no apparent reason. In XXXX XXXX applied for Hardest Hit Alabama. Caliber was fully aware, initiated foreclosure proceeding anyway in XX/XX/XXXX. Company representative of Caliber would not accept payment in full, XXXX XXXX. She informed me that she could not accept payment, no matter amount, house was in foreclosure proceeding. A questionable check of {$45.00} dollars was sent to me in XXXX XXXX in the attachment it was for partial payment. Never have I made a payment of {$45.00}, could this be {$45.00} removed from suspense account? I have sent multiple QWR 's to Caliber only receive incomplete responses. Caliber even sent incomplete QWR to the Attorney Generals Office in Alabama, stating no lender placed insurance, among other questionable responses. Caliber please send ALL information requested, not just a portion. I have also sent multiple NOE to Caliber and XXXX. Latest to a XXXX XXXX at XXXX, with no formal response from her other than email acknowledging receipt. A wrongful foreclosure has once again occurred. Caliber, and XXXX have slandered me, and continue to do so as recent as Calibers response to the CFPB, with false and inaccurate documentation and information. Caliber continues to pyramid late fees, waterfall and cascade other fees, violating and disregarding Servicing Standards, related to the National Mortgage Servicing Settlement, FDCPA, FCRA, and RESPA laws.. I have submitted documentation supporting my claim to a law firm for review, which support each and every claim. Caliber is XXXX, same execs, same scams, still fleecing America! Where are regulators? I am sounding alarms and now ringing bells!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-12

Bedford, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification. Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin. I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan. While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed. Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification. - XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure. Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-12

Boston, MA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I am very fustrating with Caliber home loans they are not given me the most important imformations about my property i am living in i have a child my wife we are going true a lot please help me i do n't have place to go i need time i meed they dend me the papers for modification they say they sent to me but i have n't resive nothing please help me
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I had got XXXX XXXX and then lost my job and ive tried to work it out with XXXX XXXX and i got run arounds from i had a fha loan and now its different i have been told some many thing and yeasterday i find out its a private investor thats has my mortgage
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Mason, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Asheville, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-11

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-10

NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-10

Leh, NJ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-09

Royal Palm Beach, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

Boston, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

Jupiter, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-07

Chandler, AZ

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Hisega, SD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Santa Ysabel, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was selling to a Broker the house. I was behind in payments because of unemployment and rather sell than have property repossess. The Title company paid XXXX early ( as agreed ) the full amount of the debt. The check was received XXXX XXXX, ( the title company had until XXXX XXXX to pay and get the property ). Now on the XXXX of XXXX XXXX sold my account to Caliber Home Loans. In XXXX I received a letter that I owe XXXX cents plus {$1000.00} on interest on a 30 yrs. mortgage. The XXXX cents were " sold '' by XXXX? Now the check was processed by XXXX on the XXXX eventhough the " property and loan had been sold to sister company Caliber H L a day before. My debt is going up exponentially. What can I do?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Wallington, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response