Caliber Home Loans, Inc Mortgage Complaint

Caliber Home Loans, Inc Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Virginia

Below is one of many letters written to Caliber explaining their multiple misappropriation of funds errors : We were instructed to write a letter to your department directly by -, ID # - today, -/-/2016 regarding the misappropriation of funds handled by your cashier department. There has been a total of $3800.00 sent in for - and - mortgage payment that has not been applied to our account. Today we received a breach of contract letter and notice that foreclosure was impending by the end of this month. This in turn has allowed Caliber to qualify us as " in default '' therefore sending HUD documents via mail that have been arriving at our home and past due threatening phone calls are made daily to our phone. These calls and mailings started arriving the -/-/-. This prompted us to log into our account to see what the problem was. This is when we realized - payment was not applied, subsequently, - payment was not applied either. We made several calls into Caliber as well as several submissions online inquiring about what the problem was. No one ever responded to the online submissions and each rep gave us a different explanation


recorded calls were emailed to the CEO 's assistant without response. We even had one rep say DO NOT make - payment. That is recorded. We were told by another rep that we might have difficulty finding another lender to just refinance since Caliber has started the pre-foreclosure process already and has reported us to the credit bureau for being - past due even though Caliber has record of receiving both - and - payments, that is recorded. We ca n't even see where the $3800.00 to any of the fees either despite that is " probably where it 's going '' per your reps. There is no proof of this that has been provided. We have notified you of your error via certified mail which we have proof of receipt, we have emailed our draft statements from - - -, our bank that reflects more than the normal payment due that we have paid for several months now including - and -, we have submitted our proof of payment online and your own website/system reflects this. We have invested 80 hours in dealing with this. I have instructed my employer today that I will have to take off the rest of this week to file whatever paperwork I need to through the proper channels. This is having an extremely detrimental effect on our family including our minor son and it 's taking a insurmountable toll on our family and we all have had -, - and - pain and suffering because of these ongoing Caliber misappropriation of funds errors. Regards, - - -