Consumer complaint received 2022-11-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I am writing to regarding several complaints that I have experienced with Caliber Home Loans that have been completely ignored. 

First Complaint : In XXXX myself along with my family became sick with XXXX. I had the worst case of XXXX. I felt my health going down and I decided to refinance my mortgage with Caliber Home Loans. Had I know I would become a victim along with feeling like I have been discriminated against just violated in every way. 

Regarding the refinancing : XXXX XXXX was my first point of contact she was my loan adjuster who completed my application along with obtaining the necessary documents. XXXX had me along with my spouse to DocuSign the new mortgage and after this we never heard anything back. As we wait for XXXX to contact us back well months past and I call and I email just to see when the refinancing would be completed and Im doing all of this as I became sicker from the complications of COVID along with the unnecessary stress that Caliber Home Loans brung. ( was it due to requesting a supervisor who still could not help and allowed the tactics to be performed. While Im waiting, I later found out that Caliber Home Loans held up my refinancing to work with an unknown third-party collections company against me. ( third party disclosure of our information ). This refinancing wait pressure me into the XXXX COVID forbearance and to mention the same day we applied for the COVID Forbearance a XXXX XXXX call and inform us that since we took the COVID Forbearance we could not refinance. The refinancing process started in XXXX of XXXX I have records, Caliber listed us as denied for refinancing. Im blaming every representatives that work on the refinancing and seen the unjust but instead look away. I would say this seems personal and a common tactic that I have seen other complaints similar. Whatever happen with the refinancing? My complaint went unheard ignored. What all this created for me and my family was devastated- financial burden and losing several love ones during this time etc. I applied for refinancing in XXXX of XXXX completed all paperwork just to be string along until the end of XXXX of XXXX which is when I was pressured into the Covid Forbearance.

Second Complaint : We did everything we was told to do while in Forbearance : we paid the Escrow each month. Today my escrow balance is {$15000.00}. XXXX of XXXX, we started back making the normal mortgage payments and later was told all the monthly payments we made from XXXX of this year until the present went towards the Forbearance balance instead of the normal monthly mortgage. I will also attach a copy of my credit report where Caliber Home Loans is currently showing me past due for 12 months for the 12 months of Forbearance which is another tactic - However a forbearance is not to be reported to the Credit Bureaus. I sent letters to Caliber Home Loans and emails and I file complaints in hopes that Caliber would contact me and this never happen everything I said was ignored like I was nobody. I like to know the reason why I was targeted for all these tactics. Maybe its because I spoke with a supervisor a few times and maybe the representatives did not like that. I also spoke with several supervisors regarding the refinancing in XXXX. If these ladies would have did right by my refinancing I would not have been forced into forbearance. This is truly frighten as these individuals hold the power to tell lies and use tactic to try and force families out their homes. 

Another tactic against me Now this year I completed an application with the Mortgage Relief for help after applying I was contacted by this company letting me know that Caliber Home Loans had not sent them what they needed to complete the application and they requested the details several times - I then call Caliber Home Loans and was told again that Im past due and under pending foreclosure. I later found out that Caliber Home Loans inform Mortgage Relief on XX/XX/XXXX that my Caliber Home Loan was not past due but yet my escrow balance is {$15000.00}. This Mortgage Relief application was denied due to Caliber Home Loans saying they did not receive my notarize partial claim documents several times after calling and even speaking with representatives who inform they received the mail in documents until I finally I mail the documents certified mail and watch the mail travel the po box address that Caliber Home Loans use is incorrect and the mail will be forward to another address just makes me wander is this what was taking place when I was using Caliber Pre Paid postage mail and not certified. Nevertheless, I know I have been discriminated against for whatever reasons or whoever is behind this. Makes me feel like someone is trying to steal the home from me. This may not be important to Caliber Home Loans, however it is important to me. I need to help with this.