Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I Filled out a completed Loan modification package from day one when Caliber Home Loans sent me a package to complete after I contacted them asking them to help me due to the facts that I had became ill and unable to work way back in early XXXX  around XXXX to XXXX. Every single times when I provided them all the documents that they need, they would confirm receipt and then when I would call them later on to check on my case someone else in their customer service department would deny receipt ... it was a very confusing communication back and forth with them along with frustration on my path .... I could not determine if what they were telling me was truth or not. I had also notified them back then that I was a victim of identity Theft so the 4506t form I filled out and submitted to Caliber via fax was not accepted by the IRS as per Caliber and when I spoke to someone at the IRS about this the IRS told me that they have to mail my tax transcripts to me personally and that Caliber Home Loan already knows that they cant give them my Tax transcripts for XX/XX/XXXX and XXXX at the time due to my Identity Theft status. The representative at IRS also told me that Caliber Home Loans knows what to do when a customer of them has this status.I did later receive from the IRS in my mail box my tax transcripts which I faxed to Caliber which a customer service representative confirms receipt and still explained to me that they still cant accept the transcript from me ... .Anyways I told the representative, he was a male figure at the time of the conversation. I ended up calling back the IRS and told them that Caliber is still refusing to accept the transcript directly from me and thats when a representative told me to download a 8821 form, fill out my section and forward it to Caliber so that Caliber can complete their section then forward it to them at the IRS so that they, the IRS can give Caliber my tax transcript directly since they refused to accept it from me. I completed my section and uploaded it to Caliber from my online mortgage account billing that I had with them and Caliber later confirmed receipt of the 8821 form. It was another male representative I spoke with back then and he said that he would forward the form to the IRS to receive my tax  transcripts.rest assured I had already provided them with the transcripts before, but I guess maybe they want to be difficult. Between late XXXX  and mid XX/XX/XXXX I received a letter from Caliber stating that they had received a completed file and for me to give them 30 days to review my file.to see what Loan Modification Help that Im qualified for. I did not heard from them at all about the final findings of their review and during my time waiting, Caliber filed a foreclosure lawsuit against me so I had to seek an attorney to defend my home from being forclose. I couldnt pay both lawyer and Caliber Mortgage at the same time .... so I ended up until now accumulating more and more unpaid mortgage payments and late fees. My attorney found Caliber was in error of wrongfully forclosing my home without offering me any loss mitigation assistance whatsoever in other words they did not follow the government guidelines to try and offer me the right help and all those programs that they had back then are now gone due to their deceptive and negligent unethical behavior towards me. I was not treated fairly and honestly. There was a lawsuit filed against them by my attorney back then which they claimed they settled in mediation, even that they were deceptive with ... they were supposed to pay my attorney for there work but they did not pay them as required of them and my attorney ended up taking the money that they Caliber should have paid them out of the settlement that they Caliber Home Loans claimed to have awarded me so I ended up getting barely anything out of it, which again is so inhumane and unfair, unfair. After the back and forth court sessions was completed now present day and year XXXX I reapplied to Caliber for Loan modification and during their review process again they filed another premature, wrongful foreclosure again ; repeating again what they did to me back in XX/XX/XXXX, they let the judge ordered my home foreclosed and to be sold at auction on XX/XX/XXXX.When I called Caliber Home Loans and brought this to their attention they immediately filed an emergency motion to cancel the sales date.Three Times now I reapplied to them for Loan Modification and they denied me. I even went as far as writing a letter to the main office for Caliber Home Loans to ask them if they can differ the late payments and mortgage payments accumulated on my Loan due to the fact they were the one who filed wrongful foreclosure on my home prematurely back in XXXX when I went to them for help to save my home. Right now Im a single mother with XXXX  minor children and Im going through a XXXX XXXX  right now, I dont think its fair for me and them to go on the streets due to Calibers deceptive wrongdoings.They denied me the three government Fha help and they claimed that I owe too much in the arrears on my mortgage payments and that this is one of the reasons they can not qualify me for a Loan Modification ; but the irony is that they are the ones that caused this by being deceptive and predatory. They didnt even tried to offer me in house help. I write the main office of Caliber which is located in Oklahoma since in Early XXXX  of XX/XX/XXXX via certified mail but up until now I havent received any form of answer from them. Please look into this situation for me and see what can be done. Thank you.