Caliber Home Loans, Inc.

2015-08-26

Walden, CO

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Coral Gables, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: There is a motion on XX/XX/XXXX @ XXXX XXXX XXXX courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans XX/XX/XXXX. 1. Got out of non-jury trial XX/XX/XXXX which I knew before walking in Judge chambers I was going to lose. 2. Five Year Statute of Limitations XXXX SOL XXXX Expired XX/XX/XXXX. 3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : FORGED SIGNATURED & NOTARIZED ON ORIGINAL MORTGAGE, robo signing, testifying. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX at non jury trial, it is sad and unacceptable how all their lies, fabrication, abuse of justice system were allowed into evidence. My Forensic Examiner/Witness testimony to original mortgage & note signatures being 100 % forgery was not allowed by XXXX XXXX Court. XXXX law firm does all plaintiffs dirty work. Attached is the letter from my Forensic Examiner to this fact. 0 DUE PROCESS!!!! 4. Force placed homeowner insurance obtained at illegal price gouging rates three, four times normal amount. Obviously this bank makes huge amounts of profit on this type of insurance they claim to buy & with whom of their choosing of course. 5. I was told by attorneys at XXXX XXXX Courthouse XXXX XXXX does not ever lose a foreclosure case XXXX XXXX XXXX even with 100 % FRAUD XXXX. Our once sacred courthouses have been taken over and preyed upon by this mammoth corporation. 6. XXXX XXXX XXXX XXXX XXXX. ( yes same XXXX here XXXX is scheduled to open oral arguments XX/XX/XXXX before Florida 's Supreme Court addressing addressing the 5 year Statute of Limitations. SOL has expired on this closed case.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Warren, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Detroit, MI

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: For the past 3 years Caliber Home Loans states that we have not paid our taxes and they have received tax bills from our XXXX XXXX XXXX to pay the back taxes. They claim that they have paid the tax bills ( that we have already paid and have provided them receipts for ) and in turn bill us for the amount of about {$4800.00}. They have added the {$4800.00} to my Escrow account and are demanding that we pay an extra $ 300+ monthly. I have disputed this issue with them in the past and I want it to stop and I also would like to be refunded all of the extra taxes that we have overpaid to them. My mortgage company Caliber Homes Loans are charging me for taxes that I 've paid in the past by adding them to my Escrow account. I have provided them proof of the taxes that I 've paid ( which is the amounts they say I owe. I 've been having major issues with mortgage company Caliber Home Loans trying to get an honest answer as to why they are charging me for taxes that I 've proven to them that I 've paid in the past. Whenever I call them for a response to the " case '' they opened over 2 months ago to research the tax issue, I constantly get the run around. I 've had customer service reps say they are going to transfer me to their tax department or to speak to supervisors just to have them hang up on me. I 've heard different stories as to why they are making me pay more for my Escrow. XXXX of the stories that I 've heard if that that when I remodified, Caliber did not process my modification correctly which caused me to be between {$3000.00} to {$4000.00} negative in my Escrow account. I think that if they made the mistake they should try to rectify it by modifying the modification, not charging me for their mistake and or charging me for taxes that I 've proven to them that I 've paid. I 've contact both XXXX XXXX and XXXX County regarding the taxes to see if Caliber has opened a " Case '' regarding the taxes that I supposed owe. I was advised by both XXXX County and XXXX XXXX that no case has been opened with them to resolve this issue. When I spoke to the XXXX County Treasurer they advised me that once Caliber Homes sends them copies of the cancelled checks for the taxes they paid, they will then start investigating and refund me any tax overages. I 've relayed this message to Caliber Homes and they have yet to provide the cancelled checks to me or the XXXX County Treasurer. I am concerned because my husband and I can not afford to pay the extra $ 300+ a month that Caliber is forcing me to pay for something that I am not responsible for. We honestly do n't know how to get this issue resolved because no one at Caliber Homes is helping to resolve this issue. XXXX XXXX ID XXXX opened with XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX. Spoke with XXXX with XXXX XXXX on XX/XX/XXXX and he advised me that he will make sure I receive copies of the cancelled checks for tax payments from Caliber that from XXXX XXXX XXXX XXXX disbursed in XX/XX/XXXX. It has been over three months and this issue has yet to be resolved and no one from XXXX XXXX or Caliber has contacted me via email, phone, or mail.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Belcoville, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-24

Rehoboth Bch, DE

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: On my note with Caliber Funding LLC. Under section XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED section ( A ) of my note it specifies " If the Note Holder has not received the full amount of any monthly payment by the end of XXXX calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.00 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment '' On the statements Caliber Funding LLC. sends out it specifies " If payment is received after XXXX/XXXX/15, a {$28.00} late fee will be charged. '' I made a payment on XXXX/XXXX/15 and received confirmation of said payment in an email sent by Caliber Funding LLC. on the same day XXXX/XXXX/15 that specifically stated " XXXX Time Payment Received ''. Despite what my Note says and the statement says Caliber Funding LLC. still charged me a late fee for the month of XXXX 2015. I have noticed that they also charged me late fees for the same scenarios in previous months. I called Caliber Funding LLC on XXXX/XXXX/2015 to explain my issue on and the customer service representative did not understand the issue and referred me to the Note. She explained that Caliber Funding LLC charges late fees based on the payment draft date and i then explained to her that payment draft date is not mentioned in the statement letter sent out only payment received date.She then told me I would receive a phone call within XXXX hours from a senior representative. I did not received a call back until XXXX/XXXX/2015 the customer service agent explain to me he reversed my late charges but i explained to him that this affects all customers and is an unfair and deceptive practice. I also explained that no where in the statements I receive or the Note I signed does it say anything about payment draft date, it only mentions payment received date.He said he would take it under advisement. From talking to the XXXX representatives I do n't think they understood that Caliber Funding LLC. is breaking their own Note terms.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Cedar City, UT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

E Town, KY

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: XX/XX/XXXX my mortgage was involuntarily sold to Caliber Home Loans.I find Calibers monthly statements to be confusing, and phone support to be virtually non-existent. XX/XX/XXXX, Caliber made statements on phone that were not reflected on following statements.They finally stopped taking my calls.As a result, I filed a formal complaint with XXXX on XX/XX/XXXX XXXX attached ). After several tries, XXXX got the issues resolved. However, at no time, did Caliber communicate with me, nor offer an apology. A year later, XX/XX/XXXX, basically the same issues happened again XXXX perhaps retaliation ), resulting in a just submitted second complaint to XXXX XXXX attached XXXX. Unfortunately, the XXXX has also began ignoring my calls, necessitating this complaint to the CFPB. Can you help me with my current complaint, as well as continuing problems with this horrible mortgage company I am stuck with, whose statements are always confusing, sometimes inaccurate, and whose customer service is non-existent and getting worse!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Santa Monica, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Caliber Home Loan, my mortgage servicer, continues to call me everyday but refuse to tell me what it is about. The agent asked for my social security number and address and I refused based on the ground they called me and I have no way of knowing if they are identify thief. I asked for email or direct mail to detail the matter they would like to discuss but they simply say the phone call will continue. My mortgage is current. Please make Caliber stop calling me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-19

Warrenton, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I submitted a request for home loan modification from Caliber Home Loans on XXXX XXXX, 2015. Caliber send a letter dated XXXX XXXX, 2015 that they received our package and is considered complete and ready for review. They sent a decision letter dated XXXX XXXX, 2015 denying our case, but their denial reason does not make sense. Our income did not allow us to afford our mortgage for the reason stated on our hardship letter, but it was recently increased in XXXX 2015, now our servicer Caliber, stated that because this income increase we can afford our mortgage payments, but did not consider the fact that we can not afford to bring the {$66000.00} default, please help us to obtain a reasonable and common sense review of our request.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Keyport, WA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Caliber Home Loans offered a short-term, interest only modification and is refusing to break down the required up front cash contribution of {$2600.00}. This up front contribution is cost prohibitive for the borrower to accept the modification. Caliber is telling me they could change the contribution into a three-month trial period plan if the foreclosure sale, scheduled for XXXX XXXX, were postponed out 90 days. This is absurd. Caliber should offer an affordable trial period plan and if need be, they should postpone the sale 90 days to allow for the modification to be successful.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Juniper Hills, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Hello my name is XXXX XXXX, due to a hardship, I couldnt work and fell behind on my mortgage. I started a modification with XXXX XXXX XXXX, and submitted all my paperwork, however Caliber Home Loans bought the loan. XXXX assured me that the modification would be transferred to Caliber Homes, and I would not have to submit ADDITIONAL/NEW paper work for the modification to Caliber Homes Loans. Unfortunately, I was mislead, because Caliber Homes Loans did not have any of my modification paperwork. I recently attempted to submit my modification paperwork to Caliber Homes Loans, but they wont accept it, because there is now a foreclosure sale date on XXXX XXXX, 2015. This is very unfair, because I was promised by XXXX that my paperwork was submitted to Caliber Homes Loans, but again it wasnt, and when I tried to submit it modfication paperwork, but they wo n't accept it, which means I will be homeless. I am single mother, and now have income for a modification loan, so I am beggin and pleading for the chance for a modification, so I wont be homeless.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

El Paso, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-18

Boston, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX, I got behind on my mortgage payments due to a significant decrease of income which started two years before but I was able to stay afloat using my savings. After XXXX failed attempts to modify my loan ( the XXXX time due to insufficient income and the XXXX due to excessive income ), on XXXX, I was finally approved through HAMP, basically with the same information provided originally. The approval documents sent to me showed an increase of {$46000.00} on the principal. Since that moment, I have been, repeatedly, requesting an itemized information on the fees that caused such increase. On XXXX XXXX, I did start the trial period which ended on XXXX XXXX. I have been making my monthly payments for all this time and also continued disputing this {$46000.00}. Only last XXXX, XXXX, The bank sent a list of charges made to my account that included payments to force placed insurance and taxes, a {$35000.00} of unpaid interest as well as a long list of charges that no one have been able to explain. I have proved to the bank that taxes and insurance were paid by me. I considered the unpaid interest to be excessive so I asked for the formula used to calculate the unpaid interest. I have been requesting a review and recalculation of my debt but it seems like there is nobody on the other side. I have also found that more fees have been added to my account for things like drive by inspections performed recently, Corp. Adv. XXXX Gen. ( which no one could explain ), returned check fees which could n't be for I 've paid by phone, including an item described as unknown. At this point, the different departments involved have not taken any responsibility in clarifying what have they done whit this loan, nevertheless fixing it. It is clear to me that at the time this loan modification was processed, the staff involved did not have appropriate training and knowledge resulting in an unfair treatment to my case. To make things worse, every time I 've called for clarifications on documents sent in response to my questions, XXXX they give me a totally different answer from that in the paper and XXXX, when I refer to the document itself they seem not to have a copy in their records. I do believe their broken system is also negatively affecting this loan.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-16

Coto De Caza, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have a previously complaint number XXXX that Caliber Bank responded to on XXXX/XXXX/2015. I would like to re-open the complaint and dispute the response provided by Caliber. I was unable to respond in a timely manner due to having to relocate after Caliber foreclosed on my home and forced me to leave.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-14

NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I have filed for a loan modification and was just recently informed that it was denied because I took to long and did n't have the money to make the 31 % money in excess. Now I have been waiting for a period of over a month to be told that my paperwork was put in late but I went through a credit counseling agency that looked over all the paperwork, submitted for me. If it was n't for the mortgage company taking their grand old time telling me over and over I was missing documents, the paperwork would have been out arrived in time and they never mentioned that to the credit agency that submitted the paperwork. For the last month I called and was kept being told it was in review. However on XXXX XXXX I was told it was denied. The practices of this mortgage company to me are morally dishonest because they said if I came up with XXXX dollars then they would work with me. None of these do called programs have been able to help me and my wife and I are both XXXX and now will be evicted from our home. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXXXXXXXXXX could help us, I find that totally unbelievable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Hillsdale, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Our mortgage loan servicing rights were sold to Caliber Home Loans in XXXX 2014. To this day, we have NOT RECEIVED ONE MONTHLY STATEMENT FROM CALIBER. We have never received a statement, or any letters, or correspondnce providing us with the loan number of the account, who to contact for questions, monthly payment, amount owed. This is a clear violation of CFPB Rules for Servicing of Mortgage Loans.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-13

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-13

Wailuku, HI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Long Beach, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been under active review with this lender for over two months. They have placed my sale date on hold in the past. The underwriter requested further information from me which I provided to them within 5 business days. After calling to make sure they received the information from me, they informed me that they received the documents and that I was in active review but that the sale was still moving forward on XXXX/XXXX/15. I believe that this is dual tracking as they have had a complete file but the underwriter needed another bank statement, which I in fact provided in a timely manner. There is already an opening bid for my home. They are not giving me options to foreclosure. Their tactics are underhanded
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

San Diego, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-12

San Antonio, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response