Consumer complaint received 2015-11-20
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage company has out right lied about numerous issues. They have received modification papers through the USPS 4 times and signed for them, but still say they have not received them. They have told me my home was worth XXXX and I listed it for XXXX last week. They told me that the county told them to tear down XXXX decks and a front entrance covered stoop, but I have an official XXXX document which says they never even spoke with anyone concerning my property. The decks and the stoop have been estimated at over XXXX to be replaced. This non-justified removal of these items have devalued my property extensively. The contractor that was hired called XXXX has no license nor insurance to do work in XXXX and no permits were issued for the work. While on my roof, XXXX of the workers drove a XXXX '' diameter concrete anchor through a roof valley which caused a huge leak. The leak poured so hard into my newly built master suite that it went right through the new Pergo wood floor, the sub-flooring ( XXXX layers ) and poured directly onto a support pier underneath the addition and caused sagging. This roof and flooring issue has since been repaired and many other issues that their hired contractor has caused to be defective has also been corrected. I was on the phone on XXXX with XXXX XXXX of XXXX through Making Home Affordable services when we called Caliber Home Loans and requested a new modification package. Caliber claimed they would send XXXX out within 7-10 business days yet none were received. I went to the mail today on XXXX and received a foreclosure notice to be held on XXXX giving me little time to correct this. We were also told on the same phone call with Caliber that I qualified for a Deed In Lieu along with a short ale option, but as of today XXXX Caliber claims this option is n't open. I was with XXXX XXXX with the XXXX Department XXXX XXXX on XXXX and she listened to an over 40 minute phone call with me asking for documentation carried over from the previous weeks requests from Caliber concerning the company that did the work at my home tearing off the decks and stoop and also replacing the decks with stairs which none would pass any XXXX or state codes by more than XXXX different reasons. While on the phone the representative XXXX XXXX witnessed lies from the Caliber contact when I called out that I was just told XXXX different reasons for me not being able to get my requested information concerning the contractor who destroyed tens of thousands of value off my property. She explained that the XXXX would act upon this situation and is awaiting a full complaint which I am almost complete with now. I called Caliber today XXXX and was told I did not qualify for a Deed In Lieu today. I have been lied to so often it makes my head spin. Caliber is practicing unfair and illegal activities on my home and property and should be held liable for any and all of it 's illegal practices. I have owned my home since the very beginning of it being built XX/XX/XXXX. I built XXXX additions doubling the square footage and also built a custom full electric/plumbing detached shop. It 's on the lake with XXXX ' of lakefront property with a dock for boats. I made insurance claims regarding theft of my personal property with was cosigned by myself under the quote that the funds would be released after I signed the checks. Caliber has since kept the checks saying it was a matter of " symantics '' on whose money that the insurance checks were to be kept. I 'm truly in awe that such crimes can be committed by a business and brushed under the carpet while in front of so many eyes. I do not understand why a hard working XXXX man who has worked hard for over 22 years investing thousands into his home can be taken advantage of like this

Company response to consumer: Closed with explanation