Caliber Home Loans Complaint

Caliber Home Loans, Inc Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure California

We received a letter dated - -, - from - - - that we met the criteria of applying for loan modification under DOJ National Mortgage Home Settlement as a result of a lawsuit filed against - - - ( pls see exhibit A ). - reaches comprehensive settlement with U.S. Dept. of Justice & State Attorneys General to resolve mortgage-related litigations & investigations. The settlement includes on the securitization, origination, sale & other specified conduct relating residential mortgage backed securities ( RMBS ) ( pls. see attached-Exhibit B ). In the SETTLEMENT, BORROWER RELIEF WILL BE IN THE FORM OF MORTGAGE MODIFICATIONS, INCLUDING FIRST-LIEN PRINCIPAL & FORBEARANCE FORGIVENESS & the CONSUMER RELIEF WILL BE SUBJECT TO OVERSIGHT BY AN INDEPENDENT MONITOR. And so we submitted a completed loan package to - on - -, - under the Dept of Justice National Home Mortgage Settlement review ( pls see detailed DIARY LOG ). But on - -, -, we received a call from - that our loan has been transferred to Caliber

And finally on - -, -, I was able to get hold of rep from -, but she has told me that I should write an appeal to Caliber Home Loan, since loan has been transferred to them. I told - rep - that in - website, if the clients are part of DOJ National Mortgage settlement, and even if the account is transferred, - should assist. She said that she 's not aware of that. And the next day that note from - FQA disappeared. And so the nightmare begins with Caliber Home Loan on - -, -. Again, please see attached DIARY LOG. Caliber home loan representatives have given me the run around. I have to re-fax all the documentations over and over again for 3 months until - -, - until my loan modification was denied due to incomplete documentations WHICH IS NOT TRUE. I have complied to every request and re-fax necessary documentations. Caliber HL responded that they have sent me letter of missing documents IN WHICH I DID NOT RECEIVE. I ALWAYS CALLED CALIBER HOME LOAN WHAT DOCUMENTATIONS ARE MISSING AND RE-FA- THE NECESSARY DOCUMENTATIONS. IT TOOK 3 MONTHS BEFORE THEY SAID it 's denied. On - -, -, we were reviewed again for in-house mod, and Caliber HL denied the modification due to house has equity. I submitted a letter of appeal and while on appeal, Caliber Home Loans filed an NOD which is a clear violation of CA Bill of Homeowners ' right. We re-applied another loan mod & submitted everything on - -. When I called on -, per - ID # -, they received all - pages. They received everything in 1 day when in the past it took 3 months before they finally said they had everything. Something was not right. True enough, we got denied again, and incomes were wrong. When I told the rep that they were wrong, he said it does not matter, for incomes are irrelevant, for we are going to be denied anyways due to the fact that house has an equity already. This is truly an UNFAIR LABOR PRACTICE of CALIBER HOME LOANS. They are to foreclose the property just because there 's already an equity of the house. We have been trying to get mod with - since - when the market was down and now that there 's an equity of the house, we are being denied. Where 's justice? Was it our fault that the mod has been dragged for 6 years plus, and now that there 's equity, it can not be modified? There 's so much greed in such a way that they 're hurting consumers like us. We need help please from federal govt. Little people like us can not fight them.