Consumer complaint received 2016-03-14
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan originated with XXXX. The lock in agreement did not match the loan on signing day. I was told that issue would be straightened out, only to learn XXXX dissolved and loan was transferred to XXXX. 

A year later I was laid off and discovered there was loan modification program, I could possible qualify for. ( Keep in mind, my wife and I had credit scores of XXXX at this time. ) Initially XXXX informed us, unemployment was not considered income. A few months had past, and the unemployment rule was changed by XXXX, we were told we met all requirements except, we needed to fall delinquent two months on loan. 

Falling behind on our payments at the request of XXXX, the life that we knew was forever changed. Business and employment opportunities were limited, due to credit. 

XX/XX/XXXX I was forced into bankruptcy to save the home, while in bankruptcy XXXX continued to call me, tape notices to my mail box and door. Also while in bankruptcy XXXX was not applying the payments that were sent to the trustee to the loan properly. 
XX/XX/XXXX loan mod finally approved. Find out XX/XX/XXXX almost {$12000.00} was added to my loan in one month. 

XX/XX/XXXX XXXX sends " Wrongful Foreclosure Check '' {$2500.00}. 

In XX/XX/XXXX I discovered between XX/XX/XXXX - XX/XX/XXXX a total of XXXX property inspection fees were added to my loan, most of which were not disclosed on statements. 

XXXX XXXX loan sold and transferred to Caliber, I sign and send privacy notice, not to share information pertaining to account and mailed letter questioning the validity of debt. 

Some other issues include lender placed insurance and payment gap between cancellation date and purchase date, billing irregularities and postings of said insurance. Some years I have been charged twice for lender placed insurance. 

Both Caliber and XXXX failed to apply payments and posting within two days multiple times. Inaccurately posted payment amounts. Caliber for months failed to disclose amounts in suspense accounts on statements, or notify me of any such funds. Did not apply monies when within {$50.00} of scheduled payments. At times monies in suspense account exceeded payment amount. Caliber reversed XX/XX/XXXX payment and modified it according to XXXX XXXX statement for no apparent reason. 

In XXXX XXXX applied for Hardest Hit Alabama. Caliber was fully aware, initiated foreclosure proceeding anyway in XX/XX/XXXX. 

Company representative of Caliber would not accept payment in full, XXXX XXXX. She informed me that she could not accept payment, no matter amount, house was in foreclosure proceeding. 

A questionable check of {$45.00} dollars was sent to me in XXXX XXXX in the attachment it was for partial payment. Never have I made a payment of {$45.00}, could this be {$45.00} removed from suspense account? 

I have sent multiple QWR 's to Caliber only receive incomplete responses. Caliber even sent incomplete QWR to the Attorney Generals Office in Alabama, stating no lender placed insurance, among other questionable responses. Caliber please send ALL information requested, not just a portion. 

I have also sent multiple NOE to Caliber and XXXX. Latest to a XXXX XXXX at XXXX, with no formal response from her other than email acknowledging receipt. 

A wrongful foreclosure has once again occurred. Caliber, and XXXX have slandered me, and continue to do so as recent as Calibers response to the CFPB, with false and inaccurate documentation and information. 

Caliber continues to pyramid late fees, waterfall and cascade other fees, violating and disregarding Servicing Standards, related to the National Mortgage Servicing Settlement, FDCPA, FCRA, and RESPA laws.. I have submitted documentation supporting my claim to a law firm for review, which support each and every claim. 

Caliber is XXXX, same execs, same scams, still fleecing America! Where are regulators? I am sounding alarms and now ringing bells!

Company response to consumer: Closed with explanation