Caliber Home Loans, Inc.

2016-03-01

Royal Palm Beach, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Swiftwater, PA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-01

Ridley Park, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In a recent response from Caliber for case XXXX ( under the assistance section ) it was stated that it was unclear as to why I contended that Caliber has failed to offer me foreclosure alternatives. Since XXXX 2013 Caliber has only asked me if I had the information for XXXX, they have not demonstrated that they want to help me keep my home. I asked for a cease and desist because Caliber representatives were so nasty and rude. Please listen to previous conversations between me and Caliber that began in XXXX 2013. Even with the cease and desist, I call frequently and have spoken with at least XXXX different SINGLE point of contacts. Each person has a different message. As recently as XXXX XXXX I was told that the sheriff sale was scheduled for XXXX XXXX by XXXX different single point of contacts. On the same day, I called Caliber 's attorney XXXX XXXX. XXXX told me that I was misinformed and asked who told me that the sale was still on for XXXX XXXX. XXXX told me that he had documentation that there was no lien against my home and that the case was in loss mitigation and would not be in a sale on XXXX XXXX. Also, on XXXX XXXX, the Caliber contact stated that either I pay XXXX or lose my home in a sheriff 's sale on XXXX XXXX that was my only option. Only Caliber 's attorney was helpful and forthcoming.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Chester, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

San Jacinto, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: On Friday, XXXX XXXX, XXXX, I was informed that my home loan was no longer an FHA loan. I want the loan servicer to tell me and provide supporting documents as to why my loan type was changed without informing me and what type of loan do I have currently? How are so many major changes occurring without my knowledge or authorization? In addition to the fact that my mortgage was among the note reassigned through XXXX How can robo signed be justifiable with such a large purchase. A mortgage is too technical and large of a purchase to pull a robo signing stunt in order to rush through the process. I disagree with robo signing mortgage documents. I am requesting docuents regarding title deed, what type of loan I current have, XXXX documents, and all documents that have been generated regarding my property from XXXX XXXX to the current date.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

Mount Holly, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage with XXXX was transferred to XX/XX/XXXX to Caliber Home Loans. I was not aware of this til XX/XX/XXXX of the transfer, effective for XX/XX/XXXX. I have never in the course of my mortgage contract missed a payment to XXXX, nor later Caliber. XXXX accepted my monthly payments and I noticed XX/XX/XXXX that my XX/XX/XXXX payments were placed into an UNAPPLIED CASH ACCOUNT. I went to XXXX in person, called and sent written communications to XXXX, then Caliber outlining the issues, without receiving resolution. XXXX refused to correct the mis-applied funds. Caliber XX/XX/XXXX demanded payments from XX/XX/XXXX and demanded that I also fund ESCROW. I had always paid my County taxes directly and had done so for XX/XX/XXXX. Double payments made, and the County sent the over-payment funds to Caliber. Add insult my account was not credited. Litigation was inacted XX/XX/XXXX since Caliber refused to apply my mortgage payments, instead placed all my payments into escrow and unapplied funds. A settlement was made and Caliber was to correct the account and make current by XXXX. They failed and refused to acknowledge the errors and apply the funds. I continue to make monthly payments which are not applied to date ( XX/XX/XXXX ). XX/XX/XXXX my checks are either returned to me with a note that they will not accept payment, or sometimes cashed but not applied to my account. I recieved a notice from a Mortgage Rescue company that made me aware that Caliber unlawfully filed for foreclosure, listed my occupied home for auction placed my home on the market for sale on XXXX, without notice or court approval. My attorney was contacted and Caliber refused through counsel to rectify. Law suit filed in XXXX XXXX Ohio XXXX for breach of contract, fraudulent mortgage practices, intent to defraud me of my home, XXXX, financial and personal damages. They have ruined my credit, caused me additional losses with taxes and deductions, unable to refinance or obtain credit due to the negative reporting, the stress and fear of losing our home. The attorney fee ( s ) over the last three years to fight this unlawful mortgage practice of defrauding homeowners. If you like a copies of the monthly communications to Caliber they are available, including the contact information for my attorney. I have checked and Caliber has been sued, prosecuted and repeatedly done this to homeowners. I am sure that XXXX has been swapping out Mortgages which is all part of the mortgage crisis created with the intent to defraud and divest honest homeowners. XXXX Bank sells the mortgage to fill their coffers, then gives to a collector like Caliber to literally steal the home since there is considerable equity.and low mortgage balance. I would appreciate your assistance.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

Chester, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-28

August F. Haw, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My interest rate was at 2 % for 2 years, after 2 years it jumped to 7.65 % and now for the year XXXX it is now 4 %. I 'm stuck with balloon adjustable rate mortgage, interest only since XXXX. Principle balance has n't changed for 10 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

Livingston, NJ

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

Coldstream, KY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

Alpharetta, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

Newark, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

Tulsa, OK

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-24

Stratford, CT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-24

Easley, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-24

New Milford, CT

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

Vancouver, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

Harsens Is, MI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I have supplied caliber home loans with a detailed payment history from my bank showing a consistent pattern of dated biweekly payments that has been received and cashed by their company yet the company continue to report my account 30 days and 60 days late to the credit reporting agencies. I have ask caliber on several occasions via letter over the last 3 months to please correct this or provide me with proof disputing my payment history from my bank. Their only response has been a predetermined letter stating according to our records this account is reporting correctly. There has never once been any written proof and or documentation provided by caliber to dispute my claim or substantiate theirs just that letter. I believe this to be a predatory lending tactic to prevent patrons from leaving a poorly represented company by lowering its consumers credit ratings. As previously stated there has been a biweekly payment sent to caliber home loans on my account since XX/XX/2014 to present. There is no way my account could have ever been 60 days past due let alone 30 days with biweekly payments being made every two weeks for nearly 2 years consecutively. ( I have documented proof ). Caliber accounting department has held payments and applied two payments at the same time and reported my account as being late. I have documentation of the cancelled checks with the date they were cashed by caliber home loans. This information was supplied to both caliber home loans and all the credit reporting agencies and caliber is still reporting false information and refusing to change it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

Dayton, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-22

Bass Lake, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX, I notified you of my mortgage company, Caliber Home Loans, for not not crediting my account properly throughout my bankruptcy. Thanks to your company, Caliber credited over XXXX to my mortgage account. Thank you! This request is to follow on the other complaints, which was the fact that they continuously reported me late to all XXXX credit bureaus for over 1 year.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

Okc, OK

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-20

Clermont, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I purchased my House in XXXX XXXX with an FHA Loan, I started making my payments of {$1600.00} and everything was going well till I got a letter from Caliber Home Loans last month saying that we have a Shortage in the Escrow Account of {$3800.00} and that our payment is going up to {$2000.00} by XXXX XXXX, XXXX due to this Shortage. The problem with this Shortage is that they are trying to include in the Escrow Account, not only Taxes and Insurance which is the normal, but also Mortgage Insurance when that was never Disclosed at closing, nor was it disclosed in the HUD-1 at closing or any where in the Documents we signed. I have talked to the Mortgage Broker we had the Closing with, I have talked to different Mortgage Professionals and they have looked at all the closing Documentation and tell me that has to be a mistake because the Mortgage Insurance is a Premium that was added to the Loan Amount and even though we have to make monthly payments on it they are not to be included in the Escrow Account and they do not need to have reserves for that, this is not an FHA Policy and this Lender wants to do it because they want to. I tried talking to the Escrow Department at Caliber Home Loans a few times and they say it is right there at the HUD-1 and we signed for it, but that is not true, when you look at the HUD-1 it says that Taxes and Insurance are to go in the Escrow Account not Mortgage Insurance. We really need to have this resolved, we can not afford that monthly payment and that is going to result in us losing the House. Please help!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Robertsdale, AL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-19

Mt Pisgah, IN

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response