Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
Im XXXX, 2020 I received a letter stating I was in forbarence. I immediately called to ask what happened and how did they determine that. I was told that because I had a government backed loan, That we were automatically placed in forBarence. When I received this letter I asked them to not place me in forbarence and that I had been making all of my payments. It wasnt until the negligence of my credit union and all of my funds being moved out of my account or taken that and my hours at work being cut significantly in XXXX I needed to go into forbearance. Because of the guidelines and my mortgage holder using the date back in XXXX I am not allowed to remain in forbarence and I have been unemployed so now my home is near forclosure, My housing counselor from XXXX XXXX XXXX has not called me back or helped with the programs that are available. But my mortgage carrier is not allowing me to remain in forbearance even though I was never in it until XX/XX/2020. Although I requested them to negate the forbarons at the time they did not do that I asked them to pull the phone call they would not do that I asked them To correct the late payment and they wont do that either. Caliber home loans in XXXX XXXX XXXX seem to have made it very difficult for me, Both XXXX XXXX XXXX as well as caliber home loans have put me in a position of not only losing all my money when I told them a month prior cording to regulation E I should not have been liable for the theft and fraud I information. Currently XXXX XXXX XXXX is refusing to arbitrate leaving me still with no money although they offered several different settlements none of which equaled my amount that was stolen. My arbitration attorneys have their hands tied due to XXXX arbitration not forcing XXXX to arbitrate despite proving an agreement. I want my mortgage company to utilize the date that I actually went into forbearance rather than the date they put me in forbearance. I want XXXX XXXX XXXX to be forced to arbitrate and returned funds that had they close my account when I alerted them my money would not have been stolen. I inability to arbitrate as well as recover monetary funds XXXX was aware of prior to the XXXX take it out of my account. Furthermore XXXX as well as XXXX XXXX XXXX as well as XXXX have initiated small claims suits against me despite the letters I sent them when I filled out my FTC investigation form for money taken my credit score has dropped XXXX points and credit cards were canceled and never reissued card and were left in a negative state despite being on time until XXXX closed my account when their fraud team recognized the unAuthorized activities and told me that no money would be refunded. All this when, had they listened to me a month earlier I doubt my money would have been taken. XXXX said,? its not fraud since nothing was missing at the time of my complaint. I turned in only to my paperwork rejected by their fraud team 3 times. 
Rejected at least three times. My financial situation as a direct result from both caliber home loans as well as XXXX XXXX XXXX. XXXX XXXX XXXX has maliciously added my name to an oh OfaC list as well, Preventing any further use of credit cards and what seems to be the ability to collect my amended return from the irs.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation