Caliber Home Loans, Inc Mortgage Complaint

Caliber Home Loans, Inc Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Texas

-, T- - - -, - Consumer Financial Protection Bureau - Caliber Home Loans , Inc Attn : Loss Mitigation -, OK - Tel : - Fax : - -- Ref : Complaint against Caliber Home Loans. Loan # - On - -, -, we financed $150.00, - our home -, Texas, - through - - - -, -, AZ, - at 5.875 % interest rate. On - -, -, owner of property Deed of trust -, husband to the borrower of note filed Chapter - wage earner plan to help manage and catch up in our mortgage payment with base loan principal balance of $120.00, -. The borrower was out of the United States for 7 years on immigration request.


On - -, -, - - - notified us that the servicing of our loan was being transferred to Caliber home loans effective - -, - and that all payments in transit will be rectified and deducted from the above balance. That was not the case. Between - -, - and - -, -, I have been paying into Chapter - Trustee account as agreed, the amount of $2100.00 through ACH draft monthly. On - -, -, - - - sent us another Mortgage statement with a principal balance of $130.00, -. This is given, that they may have not received or posted any disbursement from the Trustee. On - -, -, my Chapter - Trustee disbursed to - - - $8100.00. My balance was not adjusted for this payment. On - -, -, we received another mortgage statement still showing our principal balance to be the same as stated on - -, - and - -, -. From - -, - and - -, -, total payments disbursed to Caliber Home Loans alone were $20.00, -. My chapter - case was dismissed - -, - because Caliber promised a modification to make our loan affordable. From - -, - through - -, -, we were placed on trial payments which resulted to an additional payments totaling $3200.00 to Caliber home loans. Yet, we are still being told by Caliber that our principal balance is $140.00, -. The question Caliber Home loans refused to answer is where did all above payments totaling ( $31.00, - ) apply to. In lieu of the above, how can we mathematically have an increasing balance of $140.00, -?, given that when I initially filed my first Chapter - on - -, -, my principal loan balance then was $140000.00 Caliber Home loans approved for interest only payment modification for 5 years however, it was contingently accepted pending on the reconciliation and rectification of the above referenced " irregularities '' and " pyramiding '' practices by caliber Home loans. Since Caliber Home Loans could not easily coerce us into accepting an unfair interest only payment modification for 5 years without regards of answer to the unapplied and misappropriated, excessive and incorrect amounts of late and other fees that resulted to the unfair increased total balance, they resorted to the path of foreclosing our home. Caliber Home Loans never had any unquestionable interest in modifying our loan. Fact : On - -, -, Caliber offered us HAMP loan modification of $1400.00 per month which was higher than our payment on the original note of $ -/month. This offer was not accepted by us. Subsequent request for Mortgage Assistance was flat out denied by caliber Home loans. On Appeal of the denial on - -, -, Caliber a