Consumer complaint received 2024-02-27 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 XXXX XXXX  should have been resolved by XXXX XXXX XXXX on the first complaint. Bank statements have repeatedly been provided since trying dozens of times XXXX XX/XX/XXXX to get my overpayment back from these fraudulent loan institutions. In complaint XXXX, XXXX XXXX XXXX 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 XXXX. 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 XXXX XXXX XXXX as I had stated in the same complaint that " today when I called XXXX XXXX Customer Service Department XXXX XXXX '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. XXXX XXXX XXXX ... It has been my experience that when bank checks were not received in time, XXXX XXXX XXXX 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 XXXX XXXX XXXX or XXXX? No. What I want is interest and investigative labor charges proving what XXXX XXXX XXXX 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 XXXX in the statement " Our records indicate the loan was paid in full on XX/XX/XXXX '' ( complaint XXXX ) XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 XXXX 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 XXXX XXXX XXXX failed to do since XX/XX/XXXX. 

Since XXXX  acquired XXXX XXXX XXXX, the remaining balance XXXX  owes me is {$1400.00}. Complaints will continue to be initiated until XXXX  gives me what is owed to me for interest and research fees. Further delays by XXXX  will result in an additional {$50.00} late fee assessed per month since XX/XX/XXXX in addition to the owed to me by XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation