Caliber Home Loans Complaint

Caliber Home Loans, Inc Mortgage department,

Other mortgage Loan servicing, payments, escrow account Georgia

The previous mortgage service company never honored a - loan modification of reducing my rate from - to 5 %. At or near the end of -, they agreed to reduce the rate to some crazy low number, write off excess deferred interest and drop our payment. We never received confirmation of the changes and they sold our mortgage to Caliber Home loans. We received a letter from Caliber in - - that said we should expect a welcome packet. We never received this. I tried calling the phone number attached to the paper but since I did n't have an account number, I kept getting disconnected. After MONTHS of not receiving a mortgage statement, I assumed my previous servicer had done what was requested initially and reapplied the excess payments and paid our mortgage ahead by a year. At the end of -, I came home to a letter attached to my front door that stated the property appeared to be vacant and to call a number for - if it was not vacant. I called and let them know the house was obviously not vacant as there was furniture, food etc in the house. I asked her who

winterized my home without my knowledge or consent. Their was a phone number left on my front door and I was FINALLY able to contact the mortgage company. I spoke with a - - at - who seemed very apologetic, did not offer me an explanation and gave me the code to the lock box with my keys in it to MY HOUSE. We do not occupy the house full time right now but we still have a lot of things in the house that is our private property. On -, we were looking for some specific items and started to realize things were missing. - not only came into our home unauthorized, they stole about $5000.00 worth of tools and coins. They placed locks on our lawn equipment so that we could not keep our yard manicured. We filed a police report with - - police, the following day, I contacted - - again. Asked her the status of my loan. The house is NOT foreclosed, no sale date pending but is in the starting process of foreclosure. We have NOT received a mortgage statement since the last servicer! There has been NO indication of a foreclosure. She only wanted to refer me to customer service. I do n't even have the phone number, only her direct number. We contacted - at - and they would not provide us any info about the person who entered our home and stole our things and destroyed our house.