Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

My mortgage lender Caliber has failed to apply lump sum payments that were made to cure a delinquency. Caliber has failed to allow me to be considered for ANY type of modification or homeowner assistance plan. As a result I had to file for Chapter XXXX bankruptcy protection and have been making regular payments to Caliber. Then they unexpectedly refused to accept my XXXX and XXXX payment and sent them back and instead have set a foreclosure sale date on XXXX XXXX, XXXX. I am working two jobs and my XXXX XXXX daughters that live with me are XXXX  helping out with bills and paying rent. I can afford a fair payment and have paid on this mortgage for close to 17 years, yet Caliber takes advantage of my husband 's XXXX and tries to auction off my home and breaks federal bankruptcy law and also New Jersey law by refusing to offer mediation. 

We took out this loan in XXXX and my interest rate is 10.45 %. I was earning a good living with my employer that I had been with for 10 years and then he XXXX XXXX. As a result the company was significantly downsized and I was laid off. This put us into a difficult financial situation. Things got worse when my husband XXXX XXXX after a long battle with XXXX. He did not have health insurance at the time and as a result XXXX came after my family and took out $ XXXX from our assets, leaving me flat broke and a XXXX. At that time I began struggling with the mortgage payment and reached out to Caliber to see if there was some type of XXXX  forbearance that could be offered. Their agents had no sympathy for my situation and refused to give me any accommodation in my time of need and instead demanded that I reinstate the loan.

I was able to find work as a XXXX XXXX XXXX XXXX and continued trying to get Caliber to work with me. Their agents refused to accept a regular payment and continued to demand that I pay back all past due payments as well as late fees and junk fees and legal fees. My mother loaned me $ XXXX and I made a lump sum payment to Caliber in hopes that you would work with me to resolve this matter. However, instead of working with me, Caliber took the payment and did not apply it to my balance, in essence committing mortgage fraud. I demand a full accounting of all payments made on this loan and want to document the application of all payments that have been made to Caliber. 

Due to their continued refusal to work with me I entered into a Chapter XXXX bankruptcy in order to resume making payments since they would not accept a regular payment. I made the BK payment for a number of months until in XXXX XXXX when Caliber returned my check. This happened again the following month. I tried to contact their agents in order to open a review of my current financial circumstances, but could not gain any traction.

Caliber has denied me access to government programs that should be made available to me. I have done EVERYTHING I can to overcome my past financial challenges, but Caliber does not seem to care. I am currently working as a XXXX XXXX XXXX XXXX as well as a second job doing XXXX XXXX XXXX. My XXXX daughters live in the home with me and XXXX help out by paying me monthly rent. If Caliber were to actually take the time to open a review of my current financial situation they would see that I have sufficient income to qualify for government and internal programs. In order to fix this problem I have tried all options -- a lump sum payment, reorganizing my debt through bankruptcy and trying to get Caliber to allow me to be considered for a modification. Throughout all of it Caliber has blocked me every step of the way, and instead of offering mediation as required by New Jersey law they have set a foreclosure sale date. This is wrong.