We received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX that we met the criteria of applying for loan modification under DOJ National Mortgage Home Settlement as a result of a lawsuit filed against XXXX XXXX XXXX ( pls see exhibit A ). XXXX reaches comprehensive settlement with U.S. Dept. of Justice & State Attorneys General to resolve mortgage-related litigations & investigations. The settlement includes on the securitization, origination, sale & other specified conduct relating residential mortgage backed securities ( RMBS ) ( pls. see attached-Exhibit B ). In the SETTLEMENT, BORROWER RELIEF WILL BE IN THE FORM OF MORTGAGE MODIFICATIONS, INCLUDING FIRST-LIEN PRINCIPAL & FORBEARANCE FORGIVENESS & the CONSUMER RELIEF WILL BE SUBJECT TO OVERSIGHT BY AN INDEPENDENT MONITOR. 
And so we submitted a completed loan package to XXXX on XXXX XXXX, XXXX under the Dept of Justice National Home Mortgage Settlement review ( pls see detailed DIARY LOG ). But on XXXX XXXX, XXXX, we received a call from XXXX that our loan has been transferred to Caliber Home Loan. On XXXX XXXX, XXXX, we received via fedex a letter of approval of home modification from XXXX. The trial payment was higher than before and the income used was grossly miscalculated. From XXXX XXXX, I have tried to called XXXX but I could not hold of my CRM. And finally on XXXX XXXX, XXXX, I was able to get hold of rep from XXXX, but she has told me that I should write an appeal to Caliber Home Loan, since loan has been transferred to them. I told XXXX rep XXXX that in XXXX website, if the clients are part of DOJ National Mortgage settlement, and even if the account is transferred, XXXX should assist. She said that she 's not aware of that. And the next day that note from XXXX FQA disappeared. 
And so the nightmare begins with Caliber Home Loan on XXXX XXXX, XXXX. Again, please see attached DIARY LOG. Caliber home loan representatives have given me the run around. I have to re-fax all the documentations over and over again for 3 months until XXXX XXXX, XXXX until my loan modification was denied due to incomplete documentations WHICH IS NOT TRUE. I have complied to every request and re-fax necessary documentations. Caliber HL responded that they have sent me letter of missing documents IN WHICH I DID NOT RECEIVE. I ALWAYS CALLED CALIBER HOME LOAN WHAT DOCUMENTATIONS ARE MISSING AND RE-FAX THE NECESSARY DOCUMENTATIONS. IT TOOK 3 MONTHS BEFORE THEY SAID it 's denied. 
On XXXX XXXX, XXXX, we were reviewed again for in-house mod, and Caliber HL denied the modification due to house has equity. I submitted a letter of appeal and while on appeal, Caliber Home Loans filed an NOD which is a clear violation of CA Bill of Homeowners ' right. We re-applied another loan mod & submitted everything on XXXX XXXX. When I called on XXXX, per XXXX ID # XXXX, they received all XXXX pages. They received everything in 1 day when in the past it took 3 months before they finally said they had everything. Something was not right. True enough, we got denied again, and incomes were wrong. When I told the rep that they were wrong, he said it does not matter, for incomes are irrelevant, for we are going to be denied anyways due to the fact that house has an equity already. This is truly an UNFAIR LABOR PRACTICE of CALIBER HOME LOANS. They are to foreclose the property just because there 's already an equity of the house. We have been trying to get mod with XXXX since XXXX when the market was down and now that there 's an equity of the house, we are being denied. Where 's justice? Was it our fault that the mod has been dragged for 6 years plus, and now that there 's equity, it can not be modified? There 's so much greed in such a way that they 're hurting consumers like us. We need help please from federal govt. Little people like us can not fight them.