Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
To : CFPB Consumer Finance Protection Bureau From : XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX FL XXXX, Telephone number XXXX, and email address XXXX Re : COMPLAINT : Against - XXXX XXXX, SR. Vice Pres XXXX   and XXXX XXXX of XXXX XXXX XXXX ( XXXX  ), XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MD XXXX  AND - Caliber Home Loans XXXX XXXX XXXX XXXX XXXX, OK XXXX  This complaint is about origination issues and the servicing of FHA loan by XXXX  and Caliber Home Loans ; and the telephone message threat by XXXX  attorney XXXX XXXX, to begin foreclosure proceedings on property on XX/XX/XXXX ; this was while Caliber HL was the servicer. Caliber loans colluded with XXXX  to effect the demise of a mutual client. These mortgage companies are federal contractors of HUD/FHA and representatives of federal standards and expectations of fairness.

The FHA loan # XXXX ; and per the conversation with the XXXX   FHA/HUD Office the case number indicates that the loan has been insured since XX/XX/XXXX. The loan was initially serviced by XXXX  and sold to CALIBER LOANS ; and then sold back to XXXX   for re-servicing ; which ; appears to be very suspicous and highly questionable concerning unethical referrals and fee splitting. Senior VP of XXXX, said Caliber required XXXX to buy back loan because of incomplete paperwork. ( email : XX/XX/XXXX ) It has been since XX/XX/XXXX that XXXX   has been saying that the loan is under review for foreclosure by HUD. The Senior VP of XXXX, XXXX   has intentionally misrepresented the truth to increase stress, pain and suffering ; intimidate and threaten with the following emails : 1. Mr. XXXX, HUD is NOT accepting the loan without confirming the deposit. Caliber will probably ask us to buy the loan back and we will ask you. Mr. XXXX, I am requesting that you avoid all that unnecessary back and forth and help us clear this and insure the loan with HUD. ( email dated XX/XX/XXXX ) 2. We need HUD to insure your loan ... They came back and asked us about a XXXX deposit and we requested that from you ... We are actually trying to stand by you and not have the loan go in to foreclosure due to HUD not insuring it because you refused to provide a requested document ..., HUD is requesting ( email dated XX/XX/XXXX ) 3. HUD has escalated the case and XXXX underwriter is working with HUD ( email XX/XX/XXXX ) The XXXX agree, according to Article 8 of the Compliance Agreement - to fully cooperate in adjusting for clerical errors on any and all loan closing documentation deemed necessary or desirable in the reasonable discretion of the Lender to enable the Lender to sell, convey PLEASE NOTE that XXXX  have complied to complete business of the closing and sell of the loan ; and that on XX/XX/XXXX XXXX  was given direct access to XXXX   bank account. And without previous notice or approval XXXX  changed the XXXX XXXX account password. Re : IP ADDRESS FDM appears to be attempting a cover up : Phone message XX/XX/XXXX XXXX XXXX XXXX beginning of pressure and stress ; we would like to process another loan for you.

Threat and intimidation by XXXX  Atty XXXX XXXX - Phone Message XX/XX/XXXX I will begin foreclosure proceedings on Monday XX/XX/XXXX ; if I dont hear from you by the end of today.

Supported by email of Senior VP XXXX  on XX/XX/XXXX Stating : Mr. XXXX  we have your loan back. Your payments are going to be due to us now. Please confirm that you have received correspondence from Caliber. Accounting please advise (? ) the payments to XXXX. Mr. XXXX, XXXX  will be sending out letters to you as to what to expect next. Please note that this has happened because you decided to not respond to our request for explanation of large deposit. Please also note that you had agreed to do so when you signed the loan documents. Mr. XXXX, I have a better loan for you at this time for you and I can refinance out of this Please email or call back so we can help you get out of this.

Supported by email of XX/XX/XXXX from SR. Vice Pres XXXX  ; Mr. XXXX  , Please call or email. All we are trying to do is make the situation better for you. Your payment will drop in Conventional refinancing and it will NOT cost you any closing costs.

PLEASE NOTE : XXXX  have not received a welcome package from XXXX  that includes the payment amount, date due and options to pay. Re : R.E.S.P.A. is has been 30+ DAY NJ XXXX  RA XXXX CFPB Consumer Finance Protection Bureau XXXX HUD/FHA Resource Ctr. XXXX XXXX FHA XXXX

Company response to consumer: Closed with explanation