|
11200968
|
2024-12-19
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-19
|
|
|
10893139
|
2024-11-23
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-23
|
| Complaint What Happened |
Background Loan initiation and transfer : My mortgage loan began in XX/XX/XXXX and was serviced by Caliber Home Loans until its transfer to XXXX XXXX on XX/XX/XXXX.
Issues identified during the transfer : During the transfer, Caliber Home Loans failed to provide a complete payment history or conduct a proper audit to ensure that the transferred information was accurate.
According to documentation received from XXXX XXXX, the initial transferred balance contained significant discrepancies that remain unexplained and unverified.
Subsequent requests : Since XX/XX/XXXX, I have repeatedly requested from XXXX XXXX and Caliber Home Loans a full and detailed payment history dating back to the loans inception.
To date, neither servicer has provided a detailed breakdown explaining how balances were adjusted during the transfer or how additional principal payments were handled.
Violations Identified Non-compliance with Section 6 of RESPA ( 12 U.S.C. 2605 ) : Loan servicing transfer obligations : Under RESPA, Caliber Home Loans was required to ensure that the information transferred to XXXX XXXX was complete, accurate, and verifiable. This includes : Providing a detailed history of all payments made by the borrower.
Auditing and verifying principal, interest, and escrow balances before transferring the loan.
Caliber failed to meet these requirements, as evidenced by XXXX XXXX incomplete responses and the lack of clarity regarding the adjustments made to the balance during the transfer.
Non-compliance with the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1639 ) : TILA requires borrowers to receive clear and accurate information about how their payments have been applied to the loan balance.
Calibers refusal to provide a complete and verifiable payment history constitutes a violation of this right, as it prevents borrowers from understanding how their loan was managed.
Lack of transparency : The absence of a detailed payment history and discrepancies in the transferred balances demonstrate mismanagement and a lack of transparency, raising concerns about the accuracy of the account while it was under Caliber Home Loans servicing.
Impact of Violations The lack of clear and detailed information has created confusion about how payments made were applied to principal, interest, and escrow.
Discrepancies in the transferred balances have undermined my confidence in the management of my mortgage account.
Caliber Home Loans failure to audit the account has shifted the burden of verification onto the borrower, which is unacceptable under applicable laws.
Formal Requests I respectfully request the CFPBs intervention to ensure that Caliber Home Loans complies with its legal obligations under RESPA and TILA. Specifically, I request the following : Full audit of the loan : An independent audit detailing how all payments were applied during the period Caliber Home Loans serviced my account, from XX/XX/XXXX to XX/XX/XXXX.
Review of the transfer process : An investigation to determine whether Caliber Home Loans transferred all required information accurately and whether balances were properly audited before the transfer.
Complete and verified payment history : A detailed and verifiable breakdown of how payments were applied to principal, interest, charges, and escrow during the period Caliber Home Loans serviced my account.
Compliance with the law : Ensure that Caliber Home Loans provides complete and transparent information in compliance with standards established by RESPA and TILA.
Conclusion The lack of transparency and poor handling of my account by Caliber Home Loans has raised serious concerns about the accuracy of the loan transfer and the application of my payments. These violations require the CFPBs immediate intervention to ensure that Caliber fulfills its legal obligations and that my mortgage account is properly audited.
Thank you in advance for your attention to this matter. I am available to provide any additional documentation to support my case.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6471231
|
2023-01-22
|
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 |
2023-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6780491
|
2023-03-31
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| 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 |
2023-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-31
|
| Complaint What Happened |
RE : Caliber Home Loans - My mortgage was in arrears. For that and other financial issues I filed XXXX XXXX Bankruptcy. I successfully completed the 5 year payback and an Order of Discharge was issued by the court in XX/XX/XXXX. I recently tried to refinance my home through XXXX Mortgage with the VA funding the loan. Everything went fine until the VA asked for an explanation of the Deferred Principal amount. The XXXX broker advised that there had to be a loan modification agreement or Forbearance. Both he and I searched the County Court Official Records, bankruptcy Court records and could find no such agreement. I called my bankruptcy attorney who stated that there was never a loan modification done during the pendency of the bankruptcy. He also advised that if there had been Federal law states that both parties would have to agree and the bankruptcy Court would have to approve any such modification. Again there is no such Order in the Court file. After the Discharge was issued I got rid of all the old mortgage statements however when this issue came up I searched my files and did find a mortgage statement dated XX/XX/XXXX and at the time there was no deferred principal listed. The amount was just listed as Outstanding Principal. That was just 90 days before I filed bankruptcy and in fact had already retained legal counsel by then. XXXX XXXX took over the servicing of the loan in XX/XX/XXXX and at that time a deferral principal amount was showing on Caliber 's mortgage statements. A representative from XXXX XXXX stated they had a copy of a Caliber Mortgage statement dated XX/XX/XXXX and it was showing then so sometime between XX/XX/XXXX and XX/XX/XXXX it somehow was showing deferred principal. Both the XXXX broker and myself have been on the phone with Caliber Mortgage on two separate occasions. Each time the first person we spoke with stated they could find no such modification agreement. We were put on hold each time to be transferred to someone else and each time the phone went dead. I have since requested in writing via email that Caliber furnish me with any documents relating to the loan modification and they have not responded at all. XXXX Mortgage states this is the only issue holding up being able to close on this loan. I don't understand why they just won't produce this documentation. I can't refinance I would imagine I am going to have a problem selling if this same issue comes up. Please help me get the documentation for this loan modification as the VA and XXXX Mortgage states that it has to exist. Did Caliber do something unethical or even illegal?
|
| Consumer Consent Provided |
Consent provided
|
|
|
6271818
|
2022-12-02
|
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 |
2022-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6289041
|
2022-12-06
|
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 |
2022-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-06
|
| Complaint What Happened |
I was approved for Florida XXXX ( homeowners assistance fund ) for mortgage assistance on XX/XX/22. XXXX sent a past due check in the amount of {$5300.00} the week of XX/XX/22 to caliber. Then, they sent out a check on XX/XX/22 for XXXX 's payment in the amount of {$1300.00} for my regular monthly mortgage. They sent a 3rd check for XXXX on XX/XX/22 in another amount of {$1300.00}. I have tried to contact Caliber numerous times and in a multitude of ways. I have tried calling ( told that they see no payments ), I have tried emailing the single point of contact along with my documented award letters from XXXX ( no response to over 4 emails ), and I have previously filed a complaint with CFPB to which Caliber told me it will take about 40 days to process due to how XXXX sent funds. It has been well over 40 days - it's actually over 60 now. Caliber will not return my emails or get in contact with me. XXXX confirms that Caliber has received the funds as the checks HAVE been posted. Nothing is posted to my loan and I am still being reported as late on my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6024688
|
2022-09-27
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6174632
|
2022-11-07
|
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 |
2022-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-07
|
| Complaint What Happened |
My mortgage servicer Caliber home loans ( loan # XXXX ) received a check from the HAF program ( application # XXXX ) in the amount of {$17000.00} on XX/XX/XXXX. I confirmed this with XXXX ( XXXX XXXX XXXXXXXX ) at Caliber on XX/XX/2022. As of today the funds still have not been posted to my account. My loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX and the past due balance is over {$18000.00} now. This is impacting my credit, Caliber has had people out inspecting the inside and outside of my home because my mortgage is in default. I have been calling Caliber home loans twice a month for 5 months trying to get this corrected and every time I call I get a new excuse. Please help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6340945
|
2022-12-19
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-19
|
| Complaint What Happened |
State of Florida, Department of Economic Opportunity ( DEO ), thru The Homeowners Assistance Funds program, ( HAF ) is making my monthly mortgage payments to Caliber Home Loans for next six months.
State of Florida 's special payments unit in XXXX Florida, assured me several times that monthly payments are being sent on the 1st each month to Caliber Home Loans.
For some unknown reasons, Caliber Home Loans are not crediting such payments on time, therefore I'm incurring in late fees and they are reporting these payments late, to all three credit bureaus, when actually these payments are made on time.
These Homeowners Assistance Program is a Federally program to assist homeowners to avoid delinquent payments.
The Homeowners Assistance Fund ( HAF ) confirmed on several occasions that all payments are in fact sent on the first of each and every month. They have no idea as to why Caliber is not crediting payments on time
|
| Consumer Consent Provided |
Consent provided
|
|
|
5996544
|
2022-09-19
|
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 |
2022-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-19
|
| Complaint What Happened |
This will now be my 2nd complaint, as I had sent a complaint on XX/XX/22 and was then given a date when funds would be applied to my account. I have called mortgage company again on XX/XX/22 with no explanation on when the funds would be applied and was told at that time that a late fee would not be applied as it was noted on my account HAF payment was pending and they have my award letter that was emailed to them by me. Last month payment in the amount of XXXX was applied on XX/XX/22. This month nothing has been posted as of yet and a late fee was applied on XX/XX/22. HAF says check was mailed out and Im waiting on XXXX to post. Payment was also mailed out to my electric company and that was posted on XX/XX/22 with no issue. Not sure why no one can tell me when this will be applied. I am very concerned at this point because it seems I will have to file a complaint every month for payment to be applied timely to my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5896537
|
2022-08-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2022-08-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed in my personal file.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6022691
|
2022-09-27
|
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 |
2022-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-27
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX is making payments to our account as a third party. They send the morgage check out on XX/XX/XXXX and it is still not applied to my account. Caliber Loans is not applying the funds when they are recieved which is making me recieve late charges.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6014383
|
2022-09-23
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-23
|
| Complaint What Happened |
I am a part of the haf program and my payments are supposed to be being paid by this program I had to extend my Covid forbearance because the payments from XXXX and XXXX have yet to be posted today is XX/XX/23 so I will basically be going into XXXX 3 months behind
|
| Consumer Consent Provided |
Consent provided
|
|
|
5866562
|
2022-08-11
|
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 |
2022-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Received letter from Caliber dated XX/XX/22 stating I had insufficient flood insurance coverage on my mortgage and that I needed to buy additional, or Caliber would buy it and charge me. I called XX/XX/22, spoke to XXXX, explained the situation. She stated she put a note in my file and to disregard the letter.
Received letter from Caliber dated XX/XX/22 stating second notice same as above. I called XX/XX/22, spoke to XXXX, explained the situation, she agreed with XXXX, said the note must have been in process when the second letter was issued, that the letters should stop and disregard.
Received letter from Caliber dated XX/XX/22 stating Caliber had purchased {$140000.00} additional flood insurance coverage and would be adding this to my escrow. Called XX/XX/22 spoke to XXXX. She stated additional flood coverage was needed to bring the value up to the same amount as the home owner 's coverage policy. At this point, I realize home owner 's coverage is overstated. Call my insurance agent and ask them to reduce home value on policy. After inaction from insurance agent, report them to Florida Department of XXXX XXXX and finally get results four months later.
On XX/XX/22, uploaded revised policy to XXXX for Caliber. Caliber reviewed and said no further action necessary. They did not remove the additional coverage. When I try to contact them now it is just an endless loop of automated menu choices, non of which is to speak with a live agent. I then called the main Customer Service number and ask if they can transfer me to a live agent in their insurance department, and every time it goes to the automated loop again.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5765288
|
2022-07-13
|
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 |
2022-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have all my mortgage payments, made, up to date, I have no delays. The mortgage company Caliber Home Loan wants to refinance me for XXXX years. I do not agree because I have complied with the payments, without a day late, since I bought my property. This company changed its online system and had many problems in addition to mishandling customers.
Since XX/XX/2021 I do not have access to the mortgage account, I do not know how much I have paid, I do not know how much I owe, I could not get the loan information to do my taxes, it did not allow me to make the payments on said page ( my account online ). The customer service agents had different information on the same account. Said by themselves, they had a lot of problems with their online page and with customers. Quite a big deal. For now, you want to affect your customers.
Until now, I have made all the corresponding payments and additional payments that have been requested ( because I do not have access to the loan ), however, it has not helped.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5529783
|
2022-05-02
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-02
|
| Complaint What Happened |
At the end of XXXX this year, we got a new bank account. I needed to update my payment information, which Caliber lets you do online and is fairly simple. I marked the new account as my " Default Payment Method '' and removed that designation from my old payment account. There was nothing to indicate that what I had done would have zero effect on which account my payment would be pulled from. We should be able to quickly and easily update our payment info at any time. Unfortunately, Caliber prefers to make it difficult for consumers to do so. Without any notices or warnings in the Edit Bank Account Information section, Caliber allows consumers to believe they have updated their payment information, when in fact, it requires a separate form to be submitted via mail or fax to do so. The payment then unexpectedly pulled from the old account. I called customer service and was advised that I should have deleted the old account. Apparently, keeping it in case we wanted to have the option to use it wasn't possible. I was further advised that my bi-weekly autopay would need to be canceled, and I would need to set up a new one. The agent assured me she would cancel it so it wouldn't pull from the old account again and once canceled, I would need to submit a new application to set up the bi-weekly autopayments again with the new account. She did not, in fact, cancel my autopay and it has continued and still is pulling from the old account on a bi-weekly basis. I've reached out multiple times via secure message within the account AND a letter sent directly to Caliber. I've asked to speak to a manager or someone who can help me update my payment information and each time, I was advised that I would hear from a manager within 7-10 business days. It has been 18 business days and I have not heard from anyone. I have submitted bi-weekly autopay forms several times and each time, I receive a new blank form with the message that my autopay information has not been updated because my account must be paid one month in advance to set up bi-weekly autopay. Meanwhile, we already paid the account one month in advance to set up the bi-weekly autopay originally. I have included detailed instructions that I've already done this and I'm not looking to set up a new autopay, I only want to update the payment method on my current bi-weekly autopay and no one seems to be able to help me. Here I am, waiting in limbo and taking great pains to ensure the old account has sufficient funds to continue covering the payments that continue to be pulled from the wrong account against my wishes. I guess I'll have to keep waiting additional business days until a manager finally contacts me. Either way, we're so frustrated with Caliber and their lack of customer service that we almost want to refinance JUST TO AVOID DOING BUSINESS WITH THEM EVER AGAIN.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5835578
|
2022-08-02
|
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 |
2022-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-02
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
I was awarded forward payments from HAF ( Homeowners assistance fund ) handled by XXXX on XX/XX/XXXX. I received my award letter and emailed it to Caliber. I was told payment was already sent over via check and allow XXXX business days for them to receive. Every time I call Caliber they have no knowledge of HAF and state no payments received and if payment should come through they are behind XXXX days in processing any assistance payments. They are unaware of my email sent with award letter attached and nothing on my file pertaining to HAF award. I feel Im at a loss with no communication.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5698160
|
2022-06-22
|
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 |
2022-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XX/XX/XXXX started forbearance. Every 3-6 months Caliber Homes offered more months as I was paying escrow at the same time. This I believe lasted 18 months. ( Can not see on my loan because they have locked me out ) XX/XX/XXXX, I submitted online a loss mitigation application ( with email saying it was sent ) and never heard back from them, so I assumed everything was fine with the application. XX/XX/XXXX, received letter stating default amount. ( assuming this was the forbearance they promised to defer to the end of the loan ) Not once have any of us on the loan received a past due notice for anything. XX/XX/XXXX both my husband and I received phone calls and texts from the same person out of XXXX wanting to purchased our home because she saw it was in foreclosure. That is when I reached out to Caliber Homes once again on XX/XX/XXXX to see what was going on, they stated I was past due {$50000.00} and could be reinstated with additional fees. XX/XX/XXXX started a new loss mitigation application and still submitting paperwork back in forth because they will not assist me on filling the paperwork properly the first time. I also have recorded phone calls which prove that they will not assist or work with me. At the beginning of this new application they never ask for a recorded quit claim deed from my dad, but now on XX/XX/XXXX they are requesting it. Me nor my husband have been served any papers yet, which we have always occupied the home from the beginning. They served my dad on XX/XX/XXXX located in a different county right before he was on his way to take my mom for XXXX treatment. They also served my mom as well under unknown spouse. My dad does not want to do the quit claim deed because he can not claim the property if something happens to either myself or my husband. This hurting our credit and well as our business which is our livelihood to afford our home.
All attachment that I include are processed or in process because of necessary corrections in which they will not assist me with. Not one time have we been instructed for any counseling. XX/XX/XXXX they also refused escrow payment or any payment under the {$50000.00}. We can provide all documents and audio recordings. Too many to upload, but below will give you an idea.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5723999
|
2022-06-30
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-06-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Caliber home loans applied my XX/XX/XXXX payment to XX/XX/XXXX when the loan was in Covid-19 forbearance. I called at least a dozen times and it's still not fixed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5068657
|
2022-01-04
|
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 |
2022-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-04
|
| Complaint What Happened |
The lender denied by my request to cancel the mortgage insurance, citing a failure to meet FHA requirements. However, the lender did not specify which FHA requirements hadn't been met.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5210593
|
2022-02-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-02-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-10
|
| Complaint What Happened |
Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but XXXX says you still hold the mortgage. You don't and I disputed their " resolution ''.
Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}.
I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent.
One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise.
You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7085155
|
2023-06-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-07
|
| Complaint What Happened |
Caliber homes loans requires 40 days to post mortgage payments to consumers account. Caliber home loans does not communicate this with the credit department within the caliber home loans institution. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of caliber home loan and has yet to be posted in the month of XXXX. Caliber says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5489735
|
2022-04-24
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-04-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-24
|
| Complaint What Happened |
In XXXX I got a letter from Caliber Home Loans ( my mortgage company ) stating that due to an escrow shortage, insurance and tax increases my mortgage payment was to go up by a little more than XXXX $ monthly. I made a payment in the amount of XXXX $ to cover the negative in order to keep my mortgage the same. This payment, instead of being applied to the escrow was applied to the principal balance and my mortgage the next month was still increased.
When Calibers mistake was noticed I immediately started making calls and after weeks of back and forth the XXXX was finally applied where it was supposed to be.
The next month I noticed that my auto pay did not come out of my bank account and when I called Caliber they said I was no longer eligible to be enrolled in auto pay but couldnt tell me why. They also said that I was not eligible to make online payments and that though nothing had changed with my mortgage they couldnt tell me why.
After many calls and having to wait over an hour in some cases to talk to a representative I was finally told that my loan is in loss mitigation and with underwriting for an unknown reason.
I was in a Covid forbearance and modification was completed in XX/XX/2021, but everything had been fine since and I havent missed a mortgage payment outside of the forbearance.
I logged into my online account last week and saw a message that said my most recent payment was past due. I checked my bank account to make sure it was paid, and it was. I called Caliber to find out what was going on and they told me that they were able to see the payment was made 10 days prior and there are notes in the account about that payment but for some reason its not posted as being paid, but could not tell me why.
Today I received a letter in the mail stating that the payment was past due and that a late fee would be assessed and a missed payment would be reported to the credit bureaus if the payment I already made wasnt paid.
I keep getting the run around from Caliber and this needs to be corrected. Im not able to get results on my own and hope CFPB can assist in getting this resolved.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5389687
|
2022-03-31
|
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 |
2022-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4748965
|
2021-09-23
|
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 |
FHA mortgage
|
| Date Received |
2021-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-06
|
| Complaint What Happened |
On XX/XX/XXXX? I completed my approved mortgage loan to Caliber Homes Loans with a credit score of XXXX for a mortgage of {$200000.00}? I was paying on time never late until the hurricane Irma hit my home on XX/XX/XXXX to report to Caliber Homes Loans of damages from hurricane Irma that I had to repair. My mortgage is a FHA mortgage and qualified under the federal law for relief during this tragedy in XXXX. I followed all their instructions called for 3 months to make sure I am able to go back on my feet since they said not to pay for XXXX, XXXX, XX/XX/XXXX. However, On XX/XX/XXXX I started paying my mortgage to Caliber Homes Loans on time and they modified my payment at a higher rate at $ XXXX/mon. However, on XX/XX/XXXX I received a letter from XXXX they are my service provider which i did not understand why. On XX/XX/XXXX I learned that XXXX is a debt collector not a bank. According to my credit report Caliber Homes Loans they closed my account on XX/XX/XXXX for a loan of {$190000.00} but in my credit they never reported my payments to the credit bureau on XX/XX/XXXX- XX/XX/XXXX then on XX/XX/XXXX-XX/XX/XXXX, then reported only XX/XX/XXXX then no reported payments from XX/XX/XXXX-XX/XX/XXXX, then my account was sold XXXX in XX/XX/XXXX to XX/XX/XXXX -XX/XX/XXXX. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX from XXXX that they have my account now for a loan of XXXX starting on XX/XX/XXXX bought from XXXX. XXXX did not report my payments for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Meaning I was paying on time which I can prove in my back statements from those dates Caliber Homes Loans hold about {$1300.00} of 5 months of {$6600.00} then sold my account to XXXX then XXXX did the same kept 6 months of {$7900.00} then now they sold it to XXXX XXXX XXXX, XXXX account # XXXX to another debt collector. My Loan is protected with FHA, what happened? they have destroyed my credit from XXXX to XXXX and this is going to be a repeated cycle since they claim I did not pay my mortgage when I have from day 1 except in those 3 months in XXXX in then hurricane Irma and followed Caliber Homes Loans their steps to keep my home and mortgage. This is a scam. I asked Caliber Homes Loans in their recorded lines that I asked if I had no issues and they said no to continue until XXXX with the mortgage that I am not going to lose my home. They lied and they tricked me all of them for fraud and took advantage of me. Everything is trackable I need help. ( the numbers may be off or dates cause I don't remember all the days and numbers but the proof in in their systems and my bank statements which will prove I never missed a payment from my mortgage of course only in XXXX during the Irma incident but I was in their programs for homeowner who was dealing with hardship in those times. I have reported it to ftc.gov # XXXX on XX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4986303
|
2021-12-08
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-08
|
| Complaint What Happened |
I closed on a {$300000.00} mortgage at 3.25 % for 15 years on XX/XX/2021. I selected a bi-monthly ACH payment schedule XXXX everything went fine until I received a " Friendly Reminder '' on XX/XX/2021 stating that I was past due in the amount of {$4200.00} XXXX threatening XXXX report me to the credit bureaus. I am not past due XXXX I have no idea where that figure came from. I sent an inquiry XXXX Caliber on XX/XX/XXXX XXXX was promised a reply in 2 business days. I have gotten no response from them, despite sending an additional 3 messages XXXX them. I can not cancel the ACH through Caliber 's website, so I am trying XXXX cancel it through my bank, XXXX. I filed a complaint with the XXXX XXXX XXXX but have not yet received a response from them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5386247
|
2022-03-30
|
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 |
2022-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-30
|
| Complaint What Happened |
I have a XXXX XXXX property, struggled through the pandemic, and took advantage of the 18 months of mortgage forbearance. I resumed my payments right when I was supposed to toward the end of XXXX, made them all on time. On XX/XX/XXXX I received a call from Caliber Home Loans, my mortgage servicer, as they had not applied my payments. After speaking with the rep they let me know that the amount I had been paying, based off of the statements they were sending, was off by about XXXX dollars per month. The rep gave me the total of {$16.00} that I needed to send so I set up and sent it through my online billpay with XXXX XXXX while on the phone with the rep. I then asked for the correct monthly payment amount as I did not want to continue paying the wrong amount. The rep gave me the new monthly payment amount of {$3000.00} and I told her I was going to go ahead and send the payment that was due XXXX so that I have the correct amount in my bank moving forward and let her know the payment should be there in about XXXX week. The rep said this was fine, confirmed the amount and I sent off the payment. Caliber then sent out the deferral agreement about XXXX weeks later. I noticed the new monthly payment was slightly higher and said it was due XX/XX/XXXX so when I signed and emailed it back to Caliber I stated in the email that I had already paid the payment due XX/XX/XXXX in the amount of {$3000.00} as that was the amount I was previously given and asked them to confirm the amount of the difference so I could send the payment. I immediately placed a call to Caliber after sending the email on XX/XX/XXXX to find out about this and was informed that they applied the payment I sent for XXXX 's payment toward the balance that was to be deferred and thus I had to pay another payment for XX/XX/XXXX and they were only deferring XXXX instead of 18 months of payments. I let them know that this was their error applying my payments and they needed to correct it. The pandemic was brutal on our finances and we really needed this assistance. I asked to speak with a supervisor, was connected to XXXX XXXX ID XXXX who said she was notifying the underwriter, XXXX XXXX ID XXXX and that this would be corrected and I should hear from someone within a week. I just received a call from Caliber and after the first rep named XXXX XXXX ID XXXX laughed at me and said this was all my fault I was connected to a supervisor named XXXX XXXX ID XXXX who told me that the underwriter declined to make the change supposedly because my escrow amounts changed. Everyone 's escrows have gone up as both taxes and especially insurance premiums have gone up, it made XXXX sense. What this comes down to is that I am being penalized for being responsible and paying in a timely fashion as they misapplied my payment towards the 18 months that were to be deferred and now will not correct their error and say they will only defer XXXX payments. I have uploaded both the original deferment agreement sent XX/XX/XXXX and the latest XXXX from XX/XX/XXXX. You will see it went from 18 months deferred in XXXX to XXXX in XXXX because they misapplied the payment. This violates the law ( CARES ACT I BELIEVE ) that allowed for these forbearances in the first place and I need someone to please help me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3993902
|
2020-12-06
|
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 |
2020-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4579380
|
2021-07-27
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-07-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4135412
|
2021-02-12
|
Problem with a credit reporting company's investigation into an existing problem
|
Mortgage
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Caliber Home Loans, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-02-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-03
|
| Complaint What Happened |
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4083632
|
2021-01-21
|
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 |
2021-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-21
|
| Complaint What Happened |
They continue to not correctly apply the extra principal payments correctly and they continue to use the incorrect dates which are both to their advantage.
They keep applying the extra principal payments to the next months payment instead of the principal.
They dont have a clue as to what they are doing.
1. Site non functional for months 2. Could not register 3. Then when could register it would take days to get a logon code 4. Then when was able to logon, could not connect the loan. The site kept saying data not found 5. Then when was able to link the account. When click the loan information button the site asks you to logon again in a loop.
Now they still continue to not correctly apply the extra principal payments and they continue to use the incorrect dates which are both to their advantage.
They keep applying the extra principal payments to the next months payment instead of the principal.
|
| Consumer Consent Provided |
Consent provided
|
|
