Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IL)

I initially was with Caliber Home Loans as my previous mortgage lender but refinanced my loan with a different company. I received a mailer ( copy of the letter has been uploaded to this complaint ) from the company if that they would like the opportunity to beat the offer that my new company was offering. They said that if they were not able to beat my offer, they would give {$500.00}. I have made three attempts without any avail. Below is my emails to the with the sales rep including the Marketing manager who sent the offer : _______________________________________________________________________ -- -- -- -- - Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX  Subject : Fwd : Thank you for completing your application To : XXXX Cc : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I am hoping you could assist me regarding this matter. I have worked with XXXX twice to resolve this. Based on your name being on this letter, I am hoping that you could have someone from your staff can contact me on this matter. XXXX has forwarded this to the Marketing department twice but I have yet to receive a response from them. 

Could you please have someone contact me at XXXX? Since XXXX was not able to beat the interest rate that I am in process of receiving, the letter indicates that I would receive {$500.00}. 

I am hoping for a quick resolution on this matter. 

Respectfully, XXXX. 
______________________________________________________________________ XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX XXXX to me, XXXX I have sent up the request for the gift card to our marketing department they should be reaching out here with information on the gift card. 

Thank you, XXXX XXXX XXXX XXXX _____________________________________________________________________ Fri, XX/XX/XXXX, XXXX XXXX to XXXX XXXX Im following up again on a status? Please advise. 

Thanks, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _____________________________________________________________________ -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : Re : Thank you for completing your application To : XXXX Cc : XXXX XXXX XXXX Please let me know when I will receive the {$500.00} gift card. My phone number is XXXX. 

Thanks, XXXX. 
______________________________________________________________________ On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : View In Browser | Unsubscribe. 

XXXX XXXX : XXXX Caliber Home Loans Your application is complete! 


Next Steps Youre one step closer to reaping the benefits of refinancing with Caliber Home Loans. To learn more about what will happen with your refinance, just click the " Next Steps '' button. 

Now that your application is complete, lets move on to the next step : locking in an interest rate. Contact me today at ( XXXX ) XXXX to discuss your options. 

XXXX XXXX XXXX Consultant XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Upload Documents XXXX Caliber Home Loans, Inc. All Rights Reserved. NMLS # XXXX This email contains an advertisement from Caliber Home Loans , Inc . Caliber Home Loans, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX ( NMLS # XXXX ) ( XXXX  ). XXXX. Copyright XXXX. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply. Caliber Home Loans , Inc. is required to disclose the following license information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 ( 3 ) and ( 4 ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We respect your right to privacy. View our policy. 

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