Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
This issue, previously logged in CFPB complaints XXXX, XXXX, and XXXX should have been resolved by Caliber Home LoansXXXX on the first complaint. Bank statements have repeatedly been provided since trying dozens of times SINCE XX/XX/XXXX to get my overpayment back from these fraudulent loan institutions. 

In complaint XXXX, Caliber Home Loans claimed that due to it's own clerical error, " it was determined the payment posted to another homeowners loan who has the same name ... Unfortunately, the funds were applied to an incorrect loan number, which had transferred to XXXX for servicing. Please accept our sincere apologies for this error. XXXX has reversed that payment from the incorrect loan and a check was issued. The check in the amount of {$1100.00} was sent via XXXX on Monday XX/XX/XXXX. '' Let the record show for CFPB records that this is a lie told by Caliber Home Loans as I had stated in the same complaint that " today when I called XXXX XXXX Customer Service Department on Caliber 's recommendation at XXXX, they still have NO RECORD of my loan number. They have NO RECORD of my address. I have NEVER had any business with XXXX and they have no business with me. '' XXXX has no record of my name or anyone similar. 

Caliber Home Loans ... It has been my experience that when bank checks were not received in time, Caliber Home Loans fined me late fees, correct? From my end I have supporting evidence of this, and it is a fact that this has occurred several times due to bank matters outside of my control. Both late fees and monthly payments have all been paid. 

What happens if a homeowner doesn't pay a fine or misses a payment? I seem to recall the common practice of liens placed on property, and property repossession. 

Do I want your fraudulent business operation of Caliber Home Loans or XXXX? No. 

What I want is interest and investigative labor charges proving what Caliber Home Loans has knowingly tried to cover up since XX/XX/XXXX while enjoying interest on my extra payment on a loan that they knew since the beginning of XX/XX/XXXX would be paid by XX/XX/XXXX as admitted by Caliber in the statement " Our records indicate the loan was paid in full on XX/XX/XXXX '' ( complaint XXXX ) Caliber Home Loans continued to enjoy earning interest on MY money, hoping I would forget about their thievery. 

Note that in the same complaint, the resolution for wrongfully withholding my money and making interest on said funds due to Caliber Home Loans internal clerical errors was " XXXX requires full complete payment of overpaid funds of {$1100.00} plus {$750.00} research fee and at 35 % interest for a grand total of {$2500.00} which Caliber has owed since XX/XX/XXXX. '' I have the check for {$1100.00} which does not include interest and investigative fees to do the job Caliber Home Loans failed to do since XX/XX/XXXX. The remaining balance Caliber Home Loans owes me is {$1400.00} and this case will not rest or be closed until Caliber Home Loans pays me what is owed to me. 

Further delays by Caliber Home Loans will result in an additional {$50.00} late fee assessed per month since XX/XX/XXXX in addition to the {$1400.00} owes to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation