Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
My issue and complaints have not Yet been taken seriously, Ive contacted calibers hotline today & spoke to XXXX she was being rude, she told me I might need my lawyer which I dont have one nor retained one yet, but I have spoke to one to get a better understating as to whats been going on with closing on my loan, Ive been discriminated on, misguided, mislead, my anxiety has been all over the place due to what caliber has done, caliber has denied me the rights to use my fha streamline to refinance the house, this issue has been going on since last year of XXXX, everyone Ive spoken to on this matter to get advise has advised me that it should not take this long to close on a loan, I was given 4 different closing dates, I was told that a signature from my ex could borrower is all we needed to close on my loan, they never honored what theyve been promised me, Ive complied with everything the conditions Implied, I was contacted by XXXX XXXX stating he found a loop hole to close my loan out in a few days and all I needed was to send 6 bank statements which I sent in, I get a call from XXXX 20 minutes later Statinf what XXXX advised me was not true, I said are you telling me I am getting mislead again! They have failed me as a consumer, caliber has violated my rights and denied me fair equal housing act, caliber did not act in good faith on my behalf! The FHA states in guide lines if a person is removing or making a change to the loan nor title must have a death, divorce, or a legal separation! My ex co-signer boyfriend was removed my the XXXX XXXX police department 2 times for beating on me and running my daughters father over and taking off, I have court documents from the judge as final judgment they XXXX the ex co-signer is to pay me an amount if XXXX $ and a quit claim deed,! So denying me to use my streamline and removing the ex is not only going by a judges orders but only is not a fair act of equal housing rights, Id like caliber to be responsible for this mistake Theyve made and take Responsibility, the title company fort is also involved the woman Ive been emailing with stated they didnt know if this horrible situation and its very important to handle it ASAP and shes sent it over to her Vp, Ive also talked to a legal advocate counsel and they said if sounds like someone messed up my loan, Please dont close my complaints out and investigate this, no one from the resolution department has contacted me yet as promised, XXXX I believe shes a manger at customer service hot lime told me I should retain my lawyer to speak to calibers legal team, we states that to a consumer thats been very loyal to you caliber home loans???? So if you would like me to speak to your legal department please feel free to have them contact me XXXX or give me a name or number to contact I am representing myself as of right now until I know I need to retain my legal Team! Caliber everyone knows you cant find a way to close this transaction I have documents stop telling lies stop giving me the run around from the refinance team to the customer care team and send me to the right team, calibers team Does not care about us consumers they are not acting as a fair housing lenders! AlSO my ex co-signer was confided by XXXX XXXX and XXXX that he was removed off the loan last year of XXXX when I started the loan application, the title company cant record my deed they got, title company is not happy about this issues PLESSE dont ignore open all attachments if anything else is needed I got plenty more going way back since XX/XX/2021!

Company response to consumer: Closed with explanation