Caliber Home Loans, Inc.

2016-01-25

Rahway, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-25

MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: To the CFPB, Caliber home loans, and other recipients XXXX this letter go on record as it states the facts in our complaint against Caliber Home Loans. On XXXX XXXX Caliber became the new servicer of our mortgage.In the 2 years since we have never received any SPOC from Caliber to help us retain our home.in Calibers most recent response to the CFPB, Caliber claims that they could not contact us with a SPOC because f a cease and desist on the loan. The fact is in XXXX we hired an attorney to respond to a foreclosure attempt by XXXX, who was the mortgage holder at that time. In the letter sent to XXXX formally disputing their attempt, the wording is as follows " We are demanding that XXXX cease and desist any attempt to foreclose on the home. '' The wording did not state a do not contact cease and desist and further more Caliber Home Loans was not named in this as it would be XXXX more years until Caliber became the new servicer of the loan. Caliber also stated in their recent response that a letter was sent to our bankruptcy attorney on XXXX XXXX, XXXX regarding our loss mitigation options. Our attorney has no record of such letter. Are request through the CFPB was for Caliber to send us any proof that this letter was sent to and received by our bankruptcy attorney. There has still been no response. It is clear that through Calibers lack of contact over the last two years, manipulation of wording, and lack of response to our complaints, that Caliber never intended to help our family stay in our home and only to foreclose and evict us. Leaving this family homeless. Further more the purpose of the CFPB is to help the rights of the consumer but it would seem that is not the case because their hands are tied. Disappointing. XXXX is also go on record that a copy of this letter has been sent to the Massachusetts Attorney General, Massachusetts division of banks, The Justice Department, and our State Senators. We have also consulted with an attorney and we will be taking legal action for the loss of our home, severe violations of our rights, and the mental and emotional stress put on our family. The XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Warsaw, MO

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I am filing this complaint in response to letters from both Caliber Home Loans, and XXXX as their representatives, regarding a foreclosure sale scheduled for XXXX XXXX, XXXX. I have repeatedly requested visual proof of the " alleged '' original hand signed loan documents, to which I have received no reply. I sent a RESPA request on XXXX XXXX XXXX by certified mail, to which Caliber was required to respond within 30 days. There was no response from Caliber within the legally prescribed time frame, and when I did receive something from them, the documentation was incomplete and contained photocopies of documents that either did not exist, or which had been altered, from the original file.I have XXXX " different '' copies of the note from previous inquiries on this alleged debt which prove that the original documents have been altered at some point. I also have a photocopy of the " right to cancel/rescission '' document that contains signatures which we have contended were not ours for the past two plus years, since we became aware of the document 's existence for the first time. I went to the title insurance company associated with this file on Friday, XXXX XXXX, XXXX to view their file. I asked them to show me the copy of the " notice of right to cancel / rescission '' form from the original file, as this is the document that we maintain is the forgery, placed in our file that we have never before seen or signed. The form does not exist in the original file, as required by Missouri law, and the office manager has stated he is willing to testify that the form was never part of the original file, thus proving that the form submitted by both XXXX XXXX XXXX and Caliber Home Loans at different points in time is clearly a forged document. I am demanding this foreclosure be stopped as there is no clear evidence that Caliber Home Loans has any legal right to our property, or any debt against it and that their behavior is questionable at best, if not clearly operating outside of the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: During refinance process, closing papers were signed on Saturday, XXXX XXXX, 2015. Papers were forwarded to finance company, funds were distributed XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. Payment was wired transferred to Caliber Home Loans - funds were denied and returned to lender. This process was done 4 times and rejected by Caliber Home Loans. I am a XXXX veteran and am seeking resolution to this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Winton, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Please explain what this corporate advance in the amount of {$130000.00} is for. Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home. XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-23

Wonder Lake, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-22

Agua Dulce, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Rockwell, NC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Washington, DC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Durham, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-21

Silverton, OR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

South Florida, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Vancouver, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Lexington, NC

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-19

Rocklin, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Allison Park, PA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

MO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-16

Nicholasville, KY

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Patterson, MD

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: I placed an offer on a home for sale titled to XXXX Bank. Included with my offer was a {$2000.00} escrow check and a pre-qualification letter from my mortgage broker. My offer was countered, we countered back and during that time multiple offers were received. We were informed best offers were to be submitted to the listing agent by XXXX on XXXX/XXXX/2016. At approx. XXXX on XXXX/XXXX/2016 we were informed that, " All prospective buyers to obtain a XXXX XXXX Loans Pre Qualifiction letter prior to accepting an offer. Please contact XXXX Loan Consultant XXXX XXXX, XXXX # XXXX XXXXXXXXXXXX Phone XXXX Purchaser can obtain any financing to purchase home. '' Wait ... red flag!! I already have submitted a pre-qualification letter. Why am I required to get have XXXX pull my credit? I do n't want to do business with them and I feel uncomfortable giving my social security number to this random person when I am not interested in obtaining credit with them. Is this the listing agent trying to give her loan company business? So, immediately I call XXXX XXXX twice. I left XXXX message. I contacted my mortgage broker who was able to provide me with a pre-qualification letter {$50000.00} higher than my offer to justify that I was able to afford my offer. My real estate agent was informed at approx. XXXX that an offer had been accepted by XXXX Bank and Trust. Wait .... Red flag?? To have an offer accepted I needed to talk with XXXX XXXX, but he had n't called me back. How could this be? At XXXX XXXX XXXX called me back to get my social security number and run my credit ( I did not inform him that I already knew an offer was accepted ). I explained my hesitancy on releasing my personal information and he understood but informed that he could n't submit the required pre-qualification letter without my social security number. Here an offer was accepted and XXXX XXXX is still trying to obtain my confidential information. In addition, XXXX Bank is requiring this when they already have selected an offer. If I already have a pre-qualification letter how is this legal to require me to obtain another XXXX and if it was a requirement, why was n't that explained in the listing information? It seems that XXXX Bank wanted to accept an offer but wanted to verify that the person could afford it so why ask the rest of everyone to compete? Was this deceptive or discrimination?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Lk Buena Vis, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: On XXXX 2014 I made my regular schedule payment to Caliber Home Loans with my personal check from XXXX XXXX XXXX XXXX a few months i received a letter requesting payment which I provided a copy of my check payment from my bank. recently XXXX payments were made for the month of XXXX on XXXX XXXX and the XXXX which i called Caliber Home Loans to request extra payment should be posted for the month of XXXX. I sent numerous letters and many phone requesting an investigation instead their collector department constantly requesting payment
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Purchased my home with XXXX who later reassigned to XXXX XXXX XXXX who then reassigned to various subsidiaries then reassigned to Caliber Home Loans. XXXX had me apply for a loan mods from XXXX to XXXX. Received a loan mod that reduced the interest rate but increase the monthly note. Caliber took over in XXXX XXXX, filed a notice of default and proceeded to foreclose. I 've tried to do a loan modification, Caliber Reps stated my package was incomplete and they are not corresponding with me timely to avoid and comply with the loan modification process. I am trying to save my home!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-15

Woonsocket, RI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Wonder Lake, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We have not been recognized by new mortgage servicer Caliber Home Loans as being in the Loan mitigation process prior to the transfer from XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-14

Asheville, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response