Consumer complaint received 2023-02-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Hello I am an authorized agent and son of XXXX XXXX. We took out a lien on our property at XXXX XXXX XXXX XXXX # XXXX XXXX, Ca XXXX. We have tried for over a months to get an demand for payoff and or release and have had no success. Now we have sold this property and ready to close, and continually getting no where with anyone. No one is available. Please see the following on XX/XX/XXXX Good morning, everyone : I have called the SOS for California ( XXXX ) XXXX and SOS for Delaware ( XXXX ) XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX is a Delaware Corporation. The SOS for California could not assist me and suggested I contact the counties.org ( XXXX ) XXXX and they had no idea why the SOS would direct me to them as they had no idea what or how to assist me. 
The SOS for Delaware found the name of the company and said in XXXX the name had been changed. The new name is XXXX XXXX XXXX name change effective XX/XX/XXXX. However, I was told this may not be our company and the only way of knowing is to pay the upfront fee and get the annual report that may not tell us anything, other than the company is or is not in good standings with the state. 
I contacted the Resolution of Receivership ( XXXX ) XXXX they are a division of the FDIC and only handles entities such as bank and they could not assist with this lender, as they are/were not a bank. 
In review of the recorded Deed of Trust with XXXX and his title unit there was a return address for XXXX XXXX XXXX, XXXX, the unit was able to provide a contact number ( XXXX ) XXXX and I called. This company XXXX XXXX XXXX XXXX XXXX is a doc drawing company only, but was able to provide information that loans with The XXXX XXXX went to XXXX XXXX and Caliber Home Loans. The title unit accessed the XXXX and found out with XXXX XXXX social number the lender of record comes out to be Caliber Home Loans. 

We started with Caliber Home Loans ( XXXX ) XXXX, I requested a demand payoff with Caliber Home Loans ( fax number ( XXXX ) XXXX, on XX/XX/XXXX, only to follow up and was told they could find nothing AFTER they confirm with me that they had the loan. 

Escrow Holder has exercise due diligence in the effort to obtain a payoff demand, with request directly with the Lender and following up with XXXX and his team. At this point, the Seller will need to follow up with Caliber as they will not allow me to go any deeper into this matter, as I am a third party with authorization only to obtain a payoff demand statement. Attached is the XXXX printout showing the Lender of record is Caliber Home Loans. The XXXX print out provided yesterday had The XXXX XXXX and it stated inactive and it is believed because the loan is now with Caliber. 

Please keep me posted on the outcome. 

Thank you NOTE : OUR OFFICE WILL BE CLOSED ON XX/XX/XXXX IN OBSERVANCE OF THE FEDERAL HOLIDAY. THANK YOU Thank you for being a valued customer of XXXX  XXXX XXXX XXXX. In the face of the current challenges impacting the world, we want you to know we are here to serve you : Our office is only open via appointment, please no walk-ins. 
Email is the best way to contact escrow officer ; however, if you need to speak with escrow officer please call ( XXXX ) XXXX. 

" DO NOT WISH TO BE ANYTHING BUT WHAT YOU ARE, AND TO BE THAT PERFECTLY. '' ( XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX Escrow Officer/ Manager/ Notary XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Office ( XXXX ) XXXX / Fax ( XXXX ) XXXX Cell ( XXXX ) XXXX Office Hours Monday-Friday XXXX XXXX XXXX XXXX XXXX 


I was also informed by the Secretary of State and was told that XXXX XXXXXXXX XXXX had purchased XXXX and this is the following Reply XX/XX/XXXX XXXX, Please be advised because your request is XXXX XXXX XXXX XXXX we are unable to assist. 

XXXX XXXX records are not held by XXXX XXXX XXXX XXXX XXXX XXXX successor by merger to XXXX XXXX XXXX XXXX. and we are not authorized to sign on their behalf. 
XXXX XXXX XXXX sold its home lending assets, and the servicing with respect to those assets and all associated account records was transferred to Vericrest Financial XXXX Inc., now known as Caliber Home Loans , Inc . 
Since XXXX or earlier, XXXX XXXX and The XXXX XXXX XXXX XXXX XXXX have had no continuing involvement in the servicing, collection or activities associated with these loans. 

Please email Caliber at XXXX for further assistance as they have access to archive records their front line associates may not be able to retrieve. 

Caliber Home Loans XXXX XXXX XXXX XXXX XXXX, OK XXXX PHONE XXXX Phone XXXX Fax # XXXX Respectfully, XXXX XXXX XXXX Assistant Vice President, Mortgage Servicing Mortgage Division | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX fax XXXX XXXX