Product: Mortgage

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