Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
For the past 3 years Caliber Home Loans states that we have not paid our taxes and they have received tax bills from our XXXX XXXX XXXX to pay the back taxes. They claim that they have paid the tax bills ( that we have already paid and have provided them receipts for ) and in turn bill us for the amount of about {$4800.00}. They have added the {$4800.00} to my Escrow account and are demanding that we pay an extra $ 300+ monthly. I have disputed this issue with them in the past and I want it to stop and I also would like to be refunded all of the extra taxes that we have overpaid to them. 
My mortgage company Caliber Homes Loans are charging me for taxes that I 've paid in the past by adding them to my Escrow account. I have provided them proof of the taxes that I 've paid ( which is the amounts they say I owe. 

I 've been having major issues with mortgage company Caliber Home Loans trying to get an honest answer as to why they are charging me for taxes that I 've proven to them that I 've paid in the past. Whenever I call them for a response to the " case '' they opened over 2 months ago to research the tax issue, I constantly get the run around. I 've had customer service reps say they are going to transfer me to their tax department or to speak to supervisors just to have them hang up on me. I 've heard different stories as to why they are making me pay more for my Escrow. XXXX of the stories that I 've heard if that that when I remodified, Caliber did not process my modification correctly which caused me to be between {$3000.00} to {$4000.00} negative in my Escrow account. I think that if they made the mistake they should try to rectify it by modifying the modification, not charging me for their mistake and or charging me for taxes that I 've proven to them that I 've paid. 
I 've contact both XXXX XXXX and XXXX County regarding the taxes to see if Caliber has opened a " Case '' regarding the taxes that I supposed owe. I was advised by both XXXX County and XXXX XXXX that no case has been opened with them to resolve this issue. When I spoke to the XXXX County Treasurer they advised me that once Caliber Homes sends them copies of the cancelled checks for the taxes they paid, they will then start investigating and refund me any tax overages. I 've relayed this message to Caliber Homes and they have yet to provide the cancelled checks to me or the XXXX County Treasurer. 
I am concerned because my husband and I can not afford to pay the extra $ 300+ a month that Caliber is forcing me to pay for something that I am not responsible for. We honestly do n't know how to get this issue resolved because no one at Caliber Homes is helping to resolve this issue. 

XXXX XXXX ID XXXX opened with XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX. 
Spoke with XXXX with XXXX XXXX on XX/XX/XXXX and he advised me that he will make sure I receive copies of the cancelled checks for tax payments from Caliber that from XXXX XXXX XXXX XXXX disbursed in XX/XX/XXXX. It has been over three months and this issue has yet to be resolved and no one from XXXX XXXX or Caliber has contacted me via email, phone, or mail.

Company response to consumer: Closed with explanation