Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (SC)

I am writing to dispute the following information on my file. The items I dispute also are circled on the attached copy of the documents Ive received. Im disputing a foreclosure that Caliber Home Loans started on XX/XX/2022. This information is wrong and they must fix it ASAP, as it is affecting my credit and my daily life. I was on Cares Act Forbearance and I currently have a VA loan mortgage. Ive been communicating constantly with Caliber Home Loans to check in throughout the process and to also make payments to the escrow account while in forbearance. 

Once I was ready to start resuming making payments I started doing so in XXXX for the amount of {$1300.00}, because I was told that the underwriter set up that amount for the Loan Modification Agreement at the beginning of XXXX. I received that package, signed, notarized and sent it back to Caliber Home Loans. XXXX XXXX I received another Loan Modification Agreement stating that I was short on the escrow and that the amount needed to be changed for {$1300.00}. I did the same thing, signed, notarized and sent it back to Caliber Home Loans, only to know that apparently they received the package late and that they couldnt longer honor that agreement and that I was going to receive a Disaster Loan Modification Trial Period Plan Payment. 

This is when everything started. I received the letter for TPP in XXXX, I called them to make sure what it was and proceed to start making the payments as stated on the agreement. Payments started on XX/XX/XXXX, until XX/XX/XXXX. During that time I didnt receive anything mail from Caliber Home Loans. I did make all the payments on time and kept doing them waiting on the new Loan Modification Agreement. Mid XXXX I received a letter saying that I was in default and if I couldn't cure the loan for the full amount owed by XX/XX/2022 they were going to put the property on foreclosure. I called right away the person I spoke to told me that she could see all the payments and that the package was not sent in yet and to discard that letter and not to worry about anything. 

In XXXX I received another letter about foreclosure, again I called the representative and said the same thing as the other one, not to worry about anything because the package with Loan Modification Agreement was not sent in yet and to discard the letter, because it was a mistake. The beginning of XXXX is when we received 3 letters. The first two are from Caliber Home Loans one is the Mortgage Statement stating that I have an unpaid balance since XXXX and that the property is in foreclosure. The second one was a check for {$330.00} because it was not enough to make a full payment to cure the delinquency. The 3rd letter is from XXXX XXXX XXXX XXXX XXXX, a debt collector attorney, ( which I called at the beginning of XXXX to let them know about the mistake and they told me that they need to hear that from Caliber Home Loans itself ). 

My wife called Caliber Home Loans right away to let them know about the mistake. Only to find out the representative who spoke to her was very rude and didnt even bother to look down the notes and kept telling her repeatedly that in fact the property was in foreclosure and if she wanted to stop the foreclosure we needed to fill out a Loss Mitigation form. This is not the agreement we were in. I went ahead and called them the same day and the representative who answered was very helpful and found the mistake along with the supervisor she had at that moment. They were able to put a stop to the foreclosure and told us that the payment I did for XXXX was going to be returned. On XX/XX/XXXX we made the payment again over the phone with a representative and it was accepted because they were able to stop the foreclosure and accept payments. The payment for XXXX went through and returned again. When I call theyve put property in foreclosure again, and they cant accept any payments because of that. My credit has been affected ever since this started in XXXX. Ive been in constant communication with the Caliber Home Loans representatives and I have had no luck on getting this mistake resolved. I found out that the supervisor who was supposed to help me is no longer working with Caliber Home Loans due a transition, because another bank has bought Caliber. I've been calling at least 3-4 times a week and every time the representatives say they are escalating the case and they keep saying a supervisor will call me to resolve this and Im still waiting for that call till today. There are no notes from the underwriter, nor is someone willing to fix this and send the Loan Modification Agreement that has never been sent to me so we can resolve this once and for all. I havent been able to sleep and work properly since this started. I appreciate all the help. 

Ps. I've also sent out letters to Caliber Home Loan to dispute this and to the attorneys the sent over documents to put my property on foreclosure.