Consumer complaint received 2020-03-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (AL)

Our issues involve our mortgage co. In XX/XX/XXXX, XXXX XXXX   sold our mortgage to Caliber Home Loans. In XX/XX/XXXX, Caliber offered a home modification to lower the interest rate and to correct the issue that XXXX created during the process. We accepted and step by step we followed Calibers policies and procedures in obtaining the modification. We were told we could not make any house payments during this time bc it would create an incorrect amt when it came time to close. I spoke to Caliber frequently as to the progress and was reassured every thing was going accordingly. I would offer to send money every month but they assured me I was not to send money. We started receiving default notifications the first month we didn't make a payment. Caliber was contacted immediately and we were informed not to worry about the notices, they were computer generated. XX/XX/XXXX, all info and documentation was forwarded to Caliber for processing. Over the next couple of months, Caliber requested updates documents which was sent immediately. In XXXX, we received a letter stating he didn't qualify because 24 months had not passed since his last modification. They stated he must pay {$4000.00} by XX/XX/XXXX or foreclosure was imminent. Shouldn't this have been discussed during application time? XX/XX/XXXX, a letter was received for us to apply for a loss mitigation. We had no choice but to apply. It took another 3 months for the processing and we were informed XX/XX/XXXX, that we weren't approved bc it had been less than 2 years since his last modification and nothing they could do except start foreclosure procedures unless we sent {$6100.00} immediately. XX/XX/XXXX, they said we could reinstate the loan, but XXXX would have to be sent immediately. We hired an attorney to help us in XXXX. They said they would stop foreclosure and get this straightened out. We have to send {$1500.00}, to this attorney but felt as though it would work out. In XXXX the attorney was contacted and informed us there wasnt anything they could do. The attorney admitted she never had licenses to practice here, so we were scammed. After threatening to call law enforcement, she wired money we sent back to us. XX/XX/XXXX, we found a local atty, that filed Chapter XXXX for us and saved the house. Caliber knew from the beginning we wouldn't be approved bc they were aware of the loan modification that was incorrectly done by XXXX during the transition. XXXX was investigated and found to be in violation of federal law in mishandling loss mitigation requests. We were awarded a settlement bc we were one of the unlucky ones. Since Caliber has taken over they have tried to foreclose 3 times and each time has been their fault. In XX/XX/XXXX, we received a letter from our attorney saying Caliber reported to the bankruptcy court we were 2 months behind. This was never the case, I found the error and it was Calibers fault. We still had to pay Calibers attorneys but we were reimbursed the money they said we owed. The bankruptcy was paid and discharged in XX/XX/XXXX. I called to make a payment for XXXX, Caliber informed me payment could not be accepted bc we are in foreclosure. They stated the XXXX payment was made but they wouldn't tell us how. Now I have been trying to get this straightened out with Caliber but am getting nowhere again. I'm going to have to hire an attorney once again bc of Calibers negligence and not giving us answers makes me wonder if fraud isn't their purpose. We have every confirmation from them since day one that payments were made and on time. Caliber has created health issues between the 2 of us. Something has to be done.