Consumer complaint received 2017-07-22
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I submitted Documents for a Loan Modification, since there representatives said that is what was needed since no other loan I would qualify for. On XX/XX/XXXX received 2 letters stating Documents they needed regarding my Benefits Award letter from social security, along with 2 months bank statements ( already submitted on the XXXX XXXX ), any lease agreements I might have, and a Year to Date Earnings Benefit from Social Security. XX/XX/XXXX I submitted XX/XX/XXXXtax return along with form XXXX. XX/XX/XXXX They sent 2 letters requesting Any Lease Agreements I had on any other properties of which I did n't own any, they wanted bank statements AGAIN, they wanted form XXXX instead of the XXXX, they wanted Form XXXX, Income Documentation from Social Security and a Hardship Letter XX/XX/XXXX I submitted bank statements AGAIN, Social Security Documentation, and letter that they had told me to submit on a phone conversation I had with them regarding NO RENTAL Income along with Hardship explanation. XX/XX/XXXX They repeated wanting an updated Form XXXX, another Hardship letter, a second letter that same day requesting Form XXXX, Form XXXX, Income Documentation again from Social Security, and Hardship Document again. XX/XX/XXXX I re-submit Letter of Explanation for NO MORE Rental Income along with Hardship letter. XX/XX/XXXX They send thank you letter for submitting documentation and prompt response. XX/XX/XXXX Now they wanted why I had a XXXX XXXX XXXX, and Bank Statements for 60 days wanting to show social security deposit of {$2200.00}. I contacted them again by phone explaining that my XXXX was $ XXXX monthly deduction and a US Treasury deduction of {$320.00}. I also explained that I did n't have a XXXX XXXX mortgage anymore and that went away in XX/XX/XXXX. They said showing up on a credit report so I needed to submit a letter of explanation regarding that. XX/XX/XXXX I sent to them another new XXXX XXXX XXXX bank statement for XXXX which had my social security deposit on it, so now they had XXXX, XXXX, XXXX and the new XXXX statement. I also sent them a letter explaining an old XXXX XXXX mortgage that did n't exist anymore along with my social security deposits which equaled {$1800.00} ( {$2200.00} minus {$130.00} XXXX, and minus {$320.00} Treasury amount. XX/XX/XXXX a letter from Caliber thanking me for prompt response and there receipt of documents. So after a couple of weeks and no updates I contacted them and now because of that XXXX XXXX mortgage a letter of explanation is no good and I needed to contact credit bureau to get it removed. XXXX XXXX sent another XXXX bank statement for mid XXXX along with XXXX and XXXX XXXX statements with Social Security deposit circled. I contacted 3 credit bureaus and it was only XXXX that had the XXXX XXXX on my credit report and requested removal. They removed it by XXXX XXXX which I verified by phone with XXXX representative. XX/XX/XXXX Caliber sent another thank you letter for updating documents. XX/XX/XXXX I sent to Caliber a letter that it was being removed and I would follow up further with XXXX later in the week to make sure it did n't show up on my credit report again. XX/XX/XXXX Caliber sent another Thank you letter. XX/XX/XXXX Denial letter from Caliber on Loan Modification because of missing or incomplete of all documents. XX/XX/XXXX I submitted ALL proper documents again to Caliber Home Loans. Approximately XXXX XXXX I followed up with a phone call for a status update. Called again for a status update on XX/XX/XXXX only to find out that my documents submitted on XX/XX/XXXX, had the same XXXX XXXX mortgage showing up on the credit report. Representative said that it takes a full 30 days to get it removed properly. I could submit in mid XXXX and it should be removed. XX/XX/XXXX Submitted documents again. I feel they are playing the same game and will deny me again after the 60 day period. They are not processing the documents that are received in a timely fashion in good faith.

Company response to consumer: Closed with explanation