Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

To Whom It May Concern : In precedingyears, my loan servicer has let me pay the difference in my escrow as it does increase with the house price appreciation. 
However, they have repeatedly tried to get me to refinance. You can not go on the web site without getting an offer to refinance. I have discussed this with several servicers and at 1/2 of a percent lower, I would lose money refinancing even a 10 year time frame while I am almost into a 9 year time frame now. This time, they have sent me a check for {$180.00} and told me that I will have a payment of {$1100.00} up from {$1100.00}. I have been making additional payments. 
As you know, when you get into the 6th year of a 15 year mortgage, the interest comes down a lot. By forcing me into a higher payment, he would cut down how much I can pay extra or if my daughter gets it if I die before it is paid off, she could not afford the payments therefore they get a refinance and make a whole lot more money : The first thing you get when you go on the site to make a payment is an offer to refinance. They get higher monthly interest payments and more fees. 
# 1My position is that they can not do both. They have the option of either sending me a check if it is overpaid. They can not send a check then say I have to pay more.I want them to take back the check they sent me and let me pay the difference between the {$180.00} check they sent me like they have in prior years and leave the payment the same as they have done in prior years. This is an either/or situation not a situation where they have set me up for a higher payment by sending me a check of money I deliberately paid in. It is a blatant attempt to get me to refinance and them to make over {$150.00} a month more in interest.__________________________________________________________________________________________________________________________________ # 2 Further, I requested they send me a payment record.. I received the loan payment record and it was horrible, the person made so many errors. One time she/he entered 17 entries for one day. When I marked off the excess entries, I found that she had completely missed a payment. I sent a letter to them asking them to change it and said I could get a copy of the check but they would have to pay for it as it is their error. My bank used to charge {$25.00}. It could be more now. 
I want them to recognize that there was no payment credited. I have sent them a letter to that extent and it is attached. The next year is so messed up, it is hard to see if my payments were credited. There was obviously an XXXX working for them-probably from another country because it takes forever for the check to be credited even though it is online. I'm going year by year because obviously, the balance is in error and each year 's interest will have to be figured again. 
I want credit for that payment even if I have to get the copy of the check from the credit union.I want them to respond and stop trying to force me into a refinance. I did one refinance because I had a lot of repairs. But I'm notdoing another. I'm XXXX and I want to get this loan as close to finished as I can. 
XXXX, XXXX XXXX XXXX XXXX, FL XXXX.