Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CO)

This all starts with a divorce and a vindictive x husband who gave me our home in the settlement, but did not add me as 3rd party to have the authority to talk to our bank ( XXXX ). So without being authorized on the account and not having the account number or address ( which my x kept from me ) I was not able to pay the mortgage immediately, until I contacted the Attorney General 's office who forced XXXX 's hand to add me as authorized 3rd party and I began to pay my mortgage, but by this time i was 6 months behind ( {$12000.00} ) THEN XXXX ( who owns the note ) changed services to Caliber, and my fight started all over again. And here is our story : It has been over 2 years since we first applied for a re-modification. and both times given 2 different reasons why we were declined in a span of 3-4 months of each application. Reasons of which were : 1. DTI too low 2. DTI too high. Also I was told by a Caliber Rep XX/XX/2015 that it is more profitable for them to sell our home then re-modify us. Caliber phone archives will prove this, if any one was willing to investigate our case. After our XXXX denial, completely frustrated and desperate to keep our home, knowing full well we can afford our mortgage, we hired the XXXX XXXX XXXX to represent us and help us fight Caliber from their unlawful dealings with our mortgage. With our attorneys now in charge, XXXX XXXX XXXX applied for our 3rd request for re-mod. They never accepted the packet, saying repeatedly docs were missing when we sent the docs repeated times. My attorney, faxed a complete re-mod packet, emailed the packet and also federal Expressed the entire packet overnight, but they still claimed they were missing docs. This now has become a game of cat and dog. Caliber told us the re-mod application had expired and we had to reapply and send the entire application package AGAIN!!! We are exhausting our savings to in attorney fees to fight Caliber to allow us to re-modify us. We submitted the XXXX re-modification and they said we would get a notification of approval in a month. Next day they notified XXXX we were denied, now because our LTV was too high. It was quite obviously to us all that Caliber did not even review our application. XXXX XXXX did some research on XXXX and Caliber and found unlawful handling/dealings with our mortgage. They presented an Escalation Letter with violations, in efforts to force them into a position of re-modifying our mortgage, but they denied all allegations and basically told us " prove it!! '' In XXXX we did a chapter XXXX bankruptcy to STOP the sale of our home and giving us the opportunity to cure the debt and reassume Mortgage payments which we were never permitted to do. ( Although we have the income and do n't even need a re-modification loan, they refused us XXXX re-mod AND disallowed us to even assume mortgage payments. ) On XXXX XXXX the trustee told Us That our chapter XXXX was denied XXXX XXXX, and our house was taken off the protection of the chapter XXXX and SOLD to the same company XXXX who is behind the denial of our applications which put us in foreclosure While the trustee was sending us " motion to deny chapter XXXX '' letter having the right to appeal by XXXX XXXX, yet our home was sold already back to XXXX and had NO CLUE. We have been fighting for almost 3 years with XXXX, XXXX and Caliber to allow us to keep our home, exhausting our savings to attorney fees, contacted the AG, even Senator XXXX office tried to help, all efforts have landed up losing our home which we HAVE THE INCOME. I sent pics to caliber of structural damage occurring from sliding off hill, due to flooding. XXXX '' crack in foundation, walls are separated, ceilings is cracked and there is NO way anyone will want this house neither will it pass inspection.BUT WE WANT IT AND WILL FIX IT, but completely ignored us.