Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I wanted to file a complaint against Caliber Home Loans because they are claiming that I am XXXX months behind on my mortgage payments because for 18 months they claim I have been paying an incorrect amount for my mortgage. I have been with Caliber for 20 months and I filed for Bankruptcy in XXXX XXXX to stop the Foreclosure process with XXXX XXXX XXXX. I received a legal document XXXX XXXX, XXXX, stating that Caliber Home Loan wants to remove the past due amount from Bankruptcy. I believe that this is so they can start the Foreclosure process. 

Reasons for my complaint : After my mortgage was purchased by Caliber Home Loans, I called to inquire of what my mortgage amount was. Caliber Home Loans accepted payments from me for XXXX months without notifying me that it was the incorrect amount and now trying to foreclose on my house because of that reason alone. I have spoken with agents at least XXXX times during those XXXX months ( asking for the correct mortgage amount or scheduling payment withdrawals ) Caliber Home Loans failed to recalculate my escrow account, I asked verbally and via letter, after I changed insurance companies twice. The escrow account, for the year XXXX, did not reflect the refund money order I mailed to the escrow department. 

Caliber Home Loan failed to take a payment from me in XXXX XXXX. Stating because of the court date we can not take any more payments from you. I do n't know if this was legal because I 'm not in Foreclosure yet. I am still in Bankruptcy. 

Caliber Home Loan stated that I missed payments for XXXX XXXX, XXXX XXXX and XXXX XXXX ( the payment they refused ). I have attached the breakdown of the Bankruptcy months that XXXX XXXX XXXX filed and they included XXXX XXXX inside of my Bankruptcy. So now Caliber wants me to pay twice for this month. 

Caliber Home Loan stated that when they received my payment for {$630.00} they would hold it waiting on my next payment to make the full payment of {$780.00}. XXXX. However, the end of the year Mortgage Interest statement Form XXXX does not match what they were saying. Also the Mortgage Interest statement Form XXXX does n't match the escrow breakdown in XXXX XXXX XXXX documentation of the increase to {$780.00} There are a lot of discrepancies with Caliber Home Loans Escrow documents and payment documentation that can cause me my house. I 'm a single mother with a XXXX whom works part-time during the school year. I have been paying my mortgage and I would like to keep my house. I have to use my Bankruptcy lawyer for the Bankruptcy hearing however he states that I might have to include the 7 months they are saying I 'm behind inside my Bankruptcy that will raise monthly payment to an amount that I can not handle or give the house up. I only have XXXX more months in bankruptcy. I have paid my mortgage since I 've been in Bankruptcy and now Caliber is refusing my mortgage payment because of an error. I have written a detailed statement and attached proof of what I 'm stating. However, I do not have monthly statements because they stated that it was illegal to send me any monthly statements and I was not allowed access to the Caliber Website. If you notice in my documentation, the amount I have been paying with Caliber home loans is not even the amount I was paying before XXXX XXXX XXXX raised my mortgage amount. It was the amount from XXXX and in XXXX it changed to {$630.00}. I was informed that my mortgage amount was {$630.00} by Caliber Home Loans and was never notified on any conversation that was the incorrect amount.