Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

My loan was transferred from XXXX XXXX XXXX to Caliber Home Loans late last year and I have been having the worst time dealing with Caliber Home Loans. I was working on a loan modification with XXXX XXXX XXXX at the time of transfer. When my loan was transferred, Caliber Home Loans placed a sale date on my property and told me that I needed to fax them or email them my documents for modification review. Even though they postponed the sale date, during the whole month of XXXX and XXXX, I faxed in packages but was told repeatedly that they never got either my fax or emails with the documents. I eventually sent a certified package through USPS so that I could see if someone sign for the package. After three months they finally put my file in review but also kept having sale dates posted on my property even though I thought during a modification they are suppose to temporarily suspend the sale dates. I was declined XX/XX/XXXX and have tried to re-apply but the same thing keeps happening on them losing packages. In XX/XX/XXXX when I got declined, I tried to re-apply for assistance but they said that there was nothing they could do because I had a sale date for XXXX XXXX so I tried to setup a re-payment plan. I requested to have something in writing in regards to the payment plan but said that if I did not wire them the {$10000.00} that they could not postpone my sale date. My wife ended up filling for an emergency bankruptcy the day before the sale because we did not have anything in writing from the bank showing a repayment plan. When I spoke to the rep about this he said that there was nothing in writing that they were going to send, so he lied because the day of the sale, we received the paperwork in the mail for the repayment plan. We ended up not going with the repayment plan because I was told that our bankruptcy eliminated the plan. Moving forward, I emailed a package last week on the XXXX of XXXX because I have a pending sale date for XX/XX/XXXX and as of XX/XX/XXXX they have not received my email. In addition, every time I call I am being discouraged from trying to apply for a modification. I get ripped apart by the reps for being behind on my payments and even though the are not the ones making a decision on my file, they constantly tell me that my modification will be declined no matter what I do. I feel like this bank is doing everything that they can to lie to me about my packages not being received. I also had a sale date last month ( XX/XX/XXXX ) and was told not to worry because my sale would be postponed but the morning of the sale, I called the trustee and they told me that I was lied to ad that the sale was active. I called the bank to ask why a rep would tell me that there was no sale date and was told that they were sorry and did not know why a rep would tell me that. I ended up having to file for a emergency bankruptcy under my name the same morning of the sale in order to avoid the foreclosure. Even though I filed the bankruptcy, the trustee still has a tentative sale date listed for XX/XX/XXXX. This bank has been nothing terrible during this process, nothing like XXXX XXXX XXXX. I am now afraid that next week they are going to do the same thing to me as they did last month. Caliber home loans I believe is violating my rights to apply for a loan modification. They constantly lie and discourage me from applying for modification assistance. I am running out of options and every time I call they say they do n't have time to work on anything because I have pending sale dates. It 's impossible to work with this bank.