Consumer complaint received 2017-12-20
Company: Caliber Home Loans, Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 've been having a problem with caliber home loans since XX/XX/XXXX. My mortgage did n't have an escrow account on it since I first started it 20yrs ago. The checks kept crossing in the mail when I was trying to pay my property taxes. I finally got it straightened out with the tax commission. They refunded caliber home loans and the escrow was supposed to be taken off my account. This was all cleared within 30 days and caliber told me they would take the escrow off. I got my bill in XXXX and the escrow is still on there. I 've called them every month trying to get it off because they are demanding that I pay more than I owe. I told them I was n't going to pay my bill until they took it off because I never agreed for an escrow to be put on my house. They want me to pay {$31.00} extra a month when my taxes are only {$140.00} a yr. I have begged a pleaded with caliber every month to fix this because I will not pay more than I owe. They refused to do this because I did n't have my account current. This happened to me in XX/XX/XXXXthey put forced insurance on my home because my insurance company did n't inform them that I paid my insurance. They got the notification that I paid the insurance and charged me for the insurance in the total fees charged portion of my statement. I had to bring the account current including the total fees charged. Caliber home loans got a refund from the forced insurance and I had a credit on my account. They told me they would refund me the money once I paid the total charges owed. They whipped out my credit and said that money was theirs. I did n't know I could file a complaint about caliber home loans then. When this started I was not going to let them rip me off again it was over {$800.00} I lost in XX/XX/XXXX. Now because I told them I was n't going to pay anything until they fixed the escrow they put on my account they put my house in foreclosure. I went ahead and made a mortgage payment the middle to the end of XXXX and explained to them I was paying XXXX and as of XXXX XXXX I was paying XXXX and XXXX XXXX XXXX I 'll be paying XXXX and XXXX and XXXX XXXX I 'll pay XXXX and XXXX and XXXX XXXX I 'll pay XXXX and XXXX. After I sent in the check on XXXX XXXX they sent me a refund of the payment I made in XXXX Plus they told me they finally took the escrow off my account XX/XX/XXXX when the filed for foreclosure. They finally did what I 've been fighting them over and put my house in foreclosure and charged me attorney fees for the foreclosure. They could have avoided all of this by taking the escrow off my account when they should have to begin with. Even after they told me they took the escrow off my account XX/XX/XXXX it 's still on my statement. I do n't know why they are sending my payments back trying to make it look like I 'm not making an attempt to pay my mortgage but I 'm not paying for my taxes more than I owe and I 've already sent payment to the tax commission for my taxes myself. I do n't feel my house should be in foreclosure and I do n't think I should have to pay attorney fees for their mistake and trying to charge me more than I owe. They told me to get it out of foreclosure that I would have to pay what I owe in payments plus the escrow and then they would refund me. I 'm XXXX XXXX and I have a mortgage company that is trying to rip me off again and take my home that I 've had for 20yrs now. Please tell me what I can do about this thank you XXXX XXXX

Company response to consumer: Closed with explanation