Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
This is the message to the mortgage lender XXXX XXXX You NEVER went over all what was outlined so to say that you verbally communicated this to me is false reporting AKA a lie. I asked you what all the underwriter was asking for and you told me that you dont have the list in front of you because you were driving. You called me and asked me to tell my story about my hate crime. You kept probing me even after I told you that you are making me re-live that nightmare of having spray paint on my door stating MOVE XXXX and the noose rope tied around a snowman in yard. I told you it was giving me a lot XXXX  but instead of being sensitive to that, you stated it would help understand me as a person you are lending to. Even after I expressed how uncomfortable your questioning around the hate crime was making me feel, you became very defense then your behavior became more passive aggressive. So proving the needed documents doesnt make me feel uncomfortable as you are trying ti state ; being badgered about my hate crime then your behavior towards me made me feel extremely uncomfortable. 

You stating you didnt know about my Ch XXXX 9 years ago and my Ch XXXX XXXX XXXX years ago isnt true because I briefly told you about that during our conversation but went more in details about my XXXX Ch XXXX since that 2 years ago. Even during that time, I told you why I filed and how the hate crime was related to that but didnt feel the need to give you deep details about the hate crime because the deep details are not relevant unless you are trying to determine if the hate crime was justified which then should not have led to me filing a Ch XXXX. You also pulled my credit report and would see the Ch XXXX back in XXXX ( 8 years ago ). 

I told you that when you send the list, I can get most items to you within a day or I might need to rely on my attorneys or trustees office to retrieve the documents ( again, stating this based on no LOEs outlined from the underwriter ). I asked you how long from there would it take on your end. You stated 2 months ; now your staying 3 - 6 months. I shared your email with friends that are in this business and lenders ; I have also had to answer other LOEs and hearing back from underwriting has never been 2 - 6 months for their review. 

The other passive aggressive behaviors by you that made me feel uncomfortable and that you displayed getting defense when I told you I felt uncomfortable & stressed with your line of questions about the details of me hate crime are In an aggressive tone, you told me that Ill never find anyone to finance me ; After I told you that I had a lot on my plate at the moment and was driving and didnt need the added stress taking about the hate crime in details ; you told me this probably isnt the time for me to look and go find an apartment ; You also told me to look when Im more credit worthy ( that was a slap in the face ) : You asked me why did I have back taxes filing on my recent Ch XXXX and why did I not file my taxes on time ; Asked what all they needed and was told not in front of her because she was driving. 
I told you that I feel like a continued victim of my hate crime and Im being penalized. You stated yes you can see that ; yet you are adding to it. 

Also, Im not sure why underwriting is asking why am I on XXXX since XXXX when my letter clearing states that I became XXXX in XXXX. XXXX stands for Social Security XXXX XXXX which is clearly not a retirement. Asking for the details of why Im XXXX is totally inappropriate, discriminatory, and to me illegal. 

Lets hope that your behavior towards me is not a reflection of how your company operates. And, I hope the line of questions asking about the details of my hate crime and the details of my XXXX from underwriting isnt either. 

As a XXXX female with a permanent XXXX and a victim of a serious hate crime, Im beyond offended. Shows how much of a XXXX you are!!!!!! 

All the best!

Company response to consumer: Closed with explanation