Consumer complaint received 2021-05-05
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I utilized the COVID-19 Forebarence to provide relief when I suffered Job loss due to the pandemic. I also went through a divorce and have a quitclaim deed filed with the county ( XXXX, OHIO ). Once I was stable with employment again I called to start the process to come out of forbearance with Caliber and resume my monthly mortgage payments. ( approx time was XX/XX/XXXX for the initial phone conversation ) I was informed that they would not remove my ex-husband 's name as a successor/non-obligor unless I refinanced regardless of what my divorce papers said. I must note that I purchased the house alone and my ex 's signing of the quitclaim deed was to surrender his Dower Rights ( OHIO ). He never signed a promissory note or a single loan document. Yet Caliber insists his name stay on. Unless I could refinance to restructure the loan to remove his name, although I never had his name on in the first place, so until I can afford to refinance I will continue to need his signature for anything to do with the house. How is this legal? 

In XX/XX/XXXX I called Caliber again to start the process to come out of Forbarence now that I had spoken to my ex and he agreed to do whatever I needed help with from him. On or about XX/XX/XXXX I paid Caliber Home Loams XXXX to bring my escrow account to a zero balance and avoid having to roll that extra amount into the partial claim. Caliber accepted my escrow payment and still included the amount they had already been paid in the partial claim amount. They received a 2nd payment for the escrow amounts from FHA in XX/XX/XXXX totaling XXXX, which includes XXXX I had already paid. Caliber Home Loans told me at the next escrow analysis they would see the overage and return my money. I signed and completed the notarized document before XX/XX/XXXX. ( That included my ex-husband 's name ) Caliber received payment from Covid-19 relief and FHA. In our new agreement, my payment would be XXXX a month. Today XX/XX/XXXX I called to inquire about my escrow check and a representative told me that Caliber would not be sending me the XXXX because I was delinquent status and was holding up the process. No answers as to why the amount was XXXX and not the XXXX that they received twice. The gentleman I spoke with couldn't help me any further and suggested I call back XX/XX/XXXX, XXXX or maybe XXXX when they run an analysis for Ohio. I explained they have 30 days to return these funds to me once the analysis is completed and I don't have to wait until XXXX to request it. He was no further help. A lady called me back shortly after stating she worked in escalation. She said I was in delinquent status wouldn't be receiving those monies. Now that I'm current they can run yet another analysis report and return XXXX, but my payment is going to go up to XXXX if I request an analysis now. 

In the 10 months, I utilized COVID-19 Forbarence my payment changed 4 times. 
Started at XXXX when I went into forbearance. 

went up to XXXX up again to XXXX back down to XXXX and we agreed to XXXX with the partial claim. Now not even 2 weeks later they are saying in order to send me my escrow overage, my payment will again change to XXXX. 
With over another {$100.00} being taken out of the overage for reasons nobody can explain. Fees nobody can tell me what is for. I want my XXXX back respectfully.

Company response to consumer: Closed with explanation