|
5224734
|
2022-02-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-15
|
| Complaint What Happened |
Hello, I am trying to sale my house and have asked my mortgage company for a payoff several times. They have sent a payoff with no amounts generated. They said this happened because we needed to pay our mortgage. So we did. Still the same thing. No good to date and everything except the principal balance says XXXX balance owed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2234530
|
2016-12-04
|
Settlement process and costs
|
Mortgage
|
|
| Issue |
Settlement process and costs
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2016-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-12-04
|
| Complaint What Happened |
I found forged XXXX also other settlement documents I had never seen before.
I also had asked for XXXX insurance be placed on the loan and did n't discover it was n't on the loan or any type of protection until I had received copies of some of the documents that are obvious forgeries. I had also had been turned down 11 times for a modification before I was approved. I still do n't know what is missing that could also have been forged. These forged documents have also been notarized by the title company.There are many laws and. Clearly many laws and Federal regulations have been broken. He seen the documents. I just now learned of the XXXX XXXX dollar settlement that my lender or servicer was apart of. The servicers should have contacted me to let me know of this settlement. I called National Mortgage Settlement and they said too late nothing I can do. I am in a huge mess and do n't know if there is anything that I can do.
|
| Consumer Consent Provided |
Consent provided
|
|
|
67720
|
2012-04-30
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2012-04-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2012-05-22
|
| Consumer Consent Provided |
N/A
|
|
|
2267693
|
2016-12-29
|
Other
|
Mortgage
|
|
| Issue |
Other
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2016-12-29
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-29
|
| Consumer Consent Provided |
N/A
|
|
|
3327899
|
2019-08-02
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-08-02
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-02
|
| Consumer Consent Provided |
N/A
|
|
|
2406649
|
2017-03-27
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-27
|
| Complaint What Happened |
I have a problem with the holder of my FHA mortgage loan, Caliber Home Loans. I have been trying for over one year to get a review conducted of my financial information and have been passed from one person to another without a review ever happening. Now they have set a foreclosure sale date for XX/XX/XXXX. I can afford my mortgage payment, but had a problem in the past where I missed some mortgage payments. I have been trying to get this straightened out and even tried to resume making payments but Caliber will not take these payments. They tell me that I have to pay all the missed payments as well as late fees and Attorney fees all at one time. If I ca n't do that, then the only option is loan modification. But that has been stuck because of the bad customer service at Caliber.
I am gainfully employed and have worked as an XXXX for nearly 20 years. I occupy this home along with my daughter and her family. In addition to this income we now also receive XXXX as well. My daughter and I decided to purchase this property in XX/XX/XXXX, with the plan being that her family would move in and be helping out with all payments and bills. Unfortunately, the mortgage was only put into my name. I was struggling to keep up while waiting for my daughter to move in and help out. Eventually she did move in, but by that time I had already defaulted on the payment. I began reaching out to see what options may be available to fix this problem, and was provided with paperwork for a loan modification. I completed the paperwork and sent it back to Caliber but was told I did not fill it out properly. I began going back and forth with their agents trying to get them the information needed to conduct a review. During this process my dedicated contact was constantly rotating and it was hard to know where I was at in the process.
I tried to resume making my monthly payment but was told that Caliber would not accept my payment. I had to pay the entire past due amount all at once or get a loan modification. Since I could not afford to pay the full past due amount I had to keep trying to work with their loss mitigation department, but was never able to get through the process to a review. This was extremely frustrating, and now I find myself in foreclosure with an auction date coming up.
I know that if Caliber were to review my current financial information that I would qualify for assistance -- loan modification or partial claim for FHA loans or some type of forbearance agreement or repayment plan. I also heard that you can put the late payments back into the balance of the loan. Any of these options would help me, and I know that based on the current household income that I qualify. However, I have gone through a one year process of runaround with the Caliber team and I think this is wrong. Additionally, Caliber set a foreclosure auction date without providing any of the required Occupied Conveyance paperwork. I believe that Caliber is not following the guidelines for FHA loans and I believe I am being treated unfairly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2556896
|
2017-06-23
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-06-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3277918
|
2019-06-17
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-17
|
| Complaint What Happened |
Mortgage Originator Never Transferred LOAN SERVICE RIGHTS AGREEMENT, MORTGAGE AGREEMENT, BENEFICIAL RIGHTS TO HOME AND PROPERTY, TITLE, DEED OF TRUST OR PROOF OF OWNERSHIP TO XXXX! On XXXX XXXX CALIBER HOME LOANS PURCHASED THE DEFECTIVE LOAN AND MORTGAGE FROM XXXX! CALIBER HOME LOANS HAS SET UP SEVERAL XXXX XXXX XXXX XXXXXXXX ON THE HOME AND PROPERTY XXXX TRUST IN MY NAME : WITHOUT MY EXPLICIT WRITTEN PERMISSION, MY EXPLICIT WRITTEN CONSENT ANT COMPLETELY AGAINST MY WILL! CALIBER JUDICIALLY FORECLOSED ON ME. IDAHO IS A NON JUDICIAL FORECLOSURE STATE! THIS HIGHLY IRREGULAR SINCE THE HOME AND PROPERTY DOES NOT FIT ANY CRITERIA FOR ANY JUDICIAL FORECLOSURE ACTIONS IN IDAHO! ALSO CALIBER HOME LOANS HAS RESOLD THE DEFECTIVE LOAN AT LEAST 2 MORE TIMES after the eviction in XXXX! CALIBER HOME LOANS LOAN NUMBER XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
547721
|
2013-09-30
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-09-30
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-10-01
|
| Consumer Consent Provided |
N/A
|
|
|
2838874
|
2018-03-09
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-09
|
| Complaint What Happened |
I called the XXXX XXXX XXXX ( XXXX ) on or about XX/XX/2017 with a home mortgage that was close to auction. Once my mortgage serviced by XXXX XXXX ( XXXX ), became more than a month overdue, they would not accept anything except all arrears paid in full.
A major illness, and subsequent hospitalization kept me out of work for a short time, yet long enough to affect my financial situation in a detrimental way. Shortly after this, my wife underwent costly medical testing and was diagnosed with a multiple health issues, 2 of which were serious.
I am informing you of this because it is important to know that I did not become delinquent due to lack of commitment to an acquired debt, or misuse, of any kind, of monies owed to creditors. To the contrary, I have always maintained employment, and when work slowed, I willingly sold assets to ensure my mortgage was paid. Therefore, the experience I have had with the XXXX feels like being kicked when down.
When I called XXXX, I initially spoke with XXXX XXXX XXXX. He was very helpful, seemed informed, and available and/or very quick to get back to me. He, after reviewing all of the requested paperwork I sent over, informed me that I was eligible for XXXX. XXXX XXXX XXXX understood that my mortgage servicer had been XXXX for several years and was very recently sold to Caliber. I was told that I would have to continue working with XXXX, but that by qualifying for this program, my payments would be reduced significantly, all arrears would be restructured into the loan, and I would be on a fixed rate between 2.5 % -3 %. He also stated that our first trial payment would be due XX/XX/XXXX. This was 3 months away. I was told that they would need {$2700.00} put into their account via XXXX wire transfer before any paperwork could be prepared to present to the lender. I did this. I was also instructed that for the process to move forward I needed to file for bankruptcy to halt the sale of the home. I was told how to and where to go to complete this process. I did this as well. I was informed by XXXX XXXX XXXX that if we spoke to our lender it would jeopardize the process. XXXX XXXX XXXX also informed me to not pay anything on the mortgage because it was not necessary until the deal was done. Then I was told to wait. I waited On XX/XX/XXXX, I was informed by someone named XXXX XXXX XXXX ( senior loan processor ) that my file was accepted and was in processing. Again, I waited and was told under no circumstances, to speak to anyone at the lending end of the mortgage. During this time I sent over additional documentation requested by XXXX XXXX. I inquired about how much time it would take to have everything in place and wasn't given a defined answer ; I was told to understand it would take a little bit of time, and it was reiterated that we must not speak with the lender/servicer on the mortgage.
On XX/XX/XXXX, XXXX XXXX emailed, stating that the " modification '' had been approved through Caliber. I thought this was strange, because it was stated that it would be a restructure through XXXX. Upon questioning her she refused to give me a clear response, instead saying aren't you just happy we saved your house?. She was very concerned that I fill out a BBB survey for her which I refused as I was not happy with the result. Moving forward, I called Caliber as instructed in the email sent by XXXX XXXX. I was told that my payment should be made by or before the last day of XXXX. I sent a cashier 's check, drawn from my credit union, on XX/XX/2017 directly from my local post office. On or about XX/XX/XXXX I received a phone call from Caliber stating that I had not signed the modification agreement. I inquired as to where they sent it. First I was told my residence, then it was said that it had been mailed to the lawyer. There was never a lawyer involved in this.
Subsequently, I was told that the mortgage was again in default, I received a refund check from Caliber in the amount I had paid on XX/XX/XXXX, with a letter stating that it was not the amount if the arrears in full and would not be accepted. I called XXXX and let them know about the situation. We had done EVERYTHING we had been asked to do to get this on track. XXXX XXXX XXXX stated at that time that the banks play these games he would talk to his manager and get things right for us at no extra cost. XXXX XXXX XXXX has never spoken to us since. We have emailed him several times in an attempt to pay our mortgage, at this point, XXXX will not respond as a company.
There was no mortgage relief in this, there was no assistance. If anything, a greater problem has been created by this company. I am out {$2700.00} and my home us back on the auction block.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3599418
|
2020-04-09
|
Improper use of your report
|
Mortgage
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2930134
|
2018-06-08
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-06-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-08
|
| Consumer Consent Provided |
Other
|
|
