Consumer complaint received 2016-05-10
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am not receiving mortgage statements from my mortgage company even though I have brought this to their attention two times once I realized it. This has caused me to miss 2 payments because I do not keep up with bills unless they are mailed to me or I have them set up for automatic withdraw. There is a reason for statements being sent to home buyers or they would never be sent to anyone. I recently noticed that I have not been receiving a mortgage statement since the last one I received for XX/XX/XXXX. This is the same month that the contractor that I hired to do my fire damage repairs on my home from a fire on XX/XX/XXXX, decided to put a lien on my home and sue myself and my mortgage company because I refused to release the rest of my insurance money for the fire repairs because he said he was XXXX % completed and wanted the rest of his money. I refused because I new there was no way he was XXXX % completed. He then told me he had an inspection result from the latest insurance inspector that proved it. When I refused he cussed me out and called me names. Let 's back up a little ... ... so much has happened with this problem, sometimes I forget certain details. When I first met with the contractor at my home, he looked around and said that all my furniture would be fine, he would just have his workers move it all from room to room as the work was being completed. The next day the workers started removing sheet rock and ceilings and dropped all the blown in insulation on everything I owned. I did not push the issue about my ruined furniture because I was living in a camper at the time and I just wanted the job done. Little did I know this was only the beginning of my troubles. When the insulation fell on everything it fell on a portable air conditioner that I needed to use in the camper and on a window unit. I never could get the portable air conditioner to work correctly again since it was full of insulation beyond the filter. The window unit was still being used by a worker and eventually I threw it out. I had to purchase a window unit for the camper because it was over XXXX degrees outside and I had XXXX small dogs living in the camper with me. All this was very inconvenient. When the contractor cussed me out and called me names I told him not to step foot on my property again. He then put a lien on my home in the wrong county, then he put it on my home in the correct county. He showed up at my place of business and tried to scare me by standing behind me quietly just smiling while I was counting the money in my cash register. I felt like someone was behind me, I turned around and was surprised by it being him, he began to try and hand me a paper while he was trying to take a picture of him handing me this paper. I called the police and they suggested I get a No Contact Order on him. The paper ended up being the lien on my home in the correct county. Then I get served a sopeino that myself and my mortgage company are being sued by this contractor. I was served this at my place of business in front of all of my customers. I contacted the mortgage company to tell them this. I sent them back the insurance check for the repairs that the contractor was trying to make me sign over to him. I told them I was being sued but the papers also said the mortgage company was also being sued. The mortgage company would not release anymore money until I either got the contractor to agree to completing the job as contracted or he agreed he was paid in full. This did n't happen so between that and the fact that I can not have anyone else do repairs until the lawsuit is over, my home still has at least XXXX % of fire/smoke damage to this day. I found out that the insurance company that works for the mortgage company had sent an inspector out and he gave the contractor a XXXX % complete inspection based on what the contractor told him. It was a lie

Company response to consumer: Closed with explanation