Consumer complaint received 2017-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

Caliber Home Loans ( CHL ) sent confirmation in XXXX of 2016 indicating that we were approved for a loan modification. Immediately thereafter, and pursuant to CHL 's instructions ; we submitted our signed documents which we Faxed ( verified ) & Mailed. We immediately began paying the agreed upon amount FAITHFULLY/MONTHLY to present day. 
In XXXX CHL sent a foreclosure notice and when I called they indicated that they had not received the aforementioned documents before a XXXX deadline and they were therefore going to foreclose on our loan. CHL said they called and sent notifications BUT THAT IS NOT TRUE!!! as we only received a letter in XXXX stating the correct address to send our Bank Checks to as being XXXX not XXXX as I was sending the Bank Checks to the XXXX address as instructed by a representative which I spoke with. That is THE ONLY correspondence we received from CHL - for had they merely indicated that they did not receive said documents we would have immediately remedied the situation. 
The Bottom Line is CHL accepted and cashed our checks for several months now which in any court of law is validation of the contract between us. 

It should be noted that throughout the process of being completely ignored by the XXXX XXXX XXXX after being transferred from XXXX XXXX Bank - the entire process of dealing with CHL was excruciatingly difficult - and mind you - I 'm a XXXX with an XXXX!!! CHL seemingly/purposefully made Loan Modification Process exceedingly difficult. They would send out the same packets of documentations time after time and oftentimes requesting information that had already long since been sent and verified as being received by follow up phone calls. And please do note that it more often the case that the representatives gave completely different explanations when compared to the documentation they sent out. 

Oftentimes it seemed like we were dealing with several different disjointed companies when trying to communicate with CHL. No one had answers to seemingly simple questions concerning their documentation inquiries. 

In perusing the online complaints it was readily understood that we were in an uphill battle in dealing with CHL, but nothing prepared us for how incompetent this organization was. 

XXXX can only hope and trust that they, like XXXX and other evil establishments, will be levied well-deserved punitive fines and fees for how they have mistreated their clients. 

Reiterating : We complied with every request made of us - we were granted a loan modification - faithfully made our payments from XXXX through to XXXX - and then unexpectedly received notification that we were being foreclosed on - without a single phone call/message or registered letter which one would think would be well warranted in a situation like this. CHL sent us NOTHING save for an address correction for payment! 

For if we had XXXX iota of an indication that there was a discrepancy we would have moved heaven and earth to remedy the situation. 

With all that being said, we want to thank you for your time and efforts on our behalf as we are truly at your mercy against an unmovable object. 

Gratefully yours, XXXX