Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WY)

In XXXX of XXXX I bought two properties that are adjacent ; one with a home and one that was a vacant  lot. I financed with a local bank and they sold the mortgage to Caliber Home Loans. The loan was only on the lot that has a home, the vacant lot was paid for in cash. Caliber collected escrow funds to pay taxes on both of the properties. I have never understood why they have done this since the vacant lot was not financed by them. I have repeatedly requested that they stop collecting money to pay property taxes on the land that they do not finance. I have never been successful in getting them to stop paying the taxes. I sold the land a year and a half ago ( but retain the lot and home next door, which they hold still the mortgage on. ) Caliber Home Loans has continued to collect and pay taxes on the land that I no longer own. They have collected the money from me and paid it to the county treasurer, EVEN THOUGH I DO N'T OWN THE LAND. They refuse to return the money to me. They made me wait for over a month while they 'researched ' the situation. They determined that they have indeed been collecting money from me and using that money to pay taxes on land that I do not own, but they stated that the country treasurer took my money and 'refunded ' it to the current land owner. Caliber has told me that I will need to contact the new land owner and collect the money myself. I have contacted the XXXX County treasurer myself. They confirmed that Caliber has been making tax payments, but the treasurer denies that my money was refunded to the current land owner. I requested that Caliber Home Loans provide me with their customer contact log because this situation has been going on since they acquired the loan ; they have refused to share the log with me. I have not recorded dates and names of all of the people I have talked to at their company as initially, this was just an inconvenience. I have called them once or twice a year for at least 5 years asking them to stop collecting and paying the property tax. It was not really an issue until they continued to collect and pay taxes even after I sold the land. I sold the land in XXXX of XXXX, Caliber Home Loans made a property tax payment of {$XXXX} on XXXX/XXXX/XXXX and another payment of {$XXXX} on XXXX/XXXX/XXXX. The payments were made to the XXXX County Treasurer in XXXX County, Idaho. I have asked them to return the money to me and to recalculate my escrow payment. The only thing I have managed to get them to do is to FINALLY stop paying taxes on a property that I do n't own ( they have stated that they will stop, but I wo n't be sure of that until after the next tax due date passes ). They refuse to recalculate my escrow payment ( until the regular recalculation next year ) and they refuse to refund me the money that they have taken to pay the property tax. From my perspective, they have made the error and they should have to get a refund from the county or the new land owner. I did my due-diligence and tried for several years to get them to stop paying the property tax. It should not be my responsibility to figure out how to get my money back from the treasurer or the new property owner.