Caliber Home Loans Reviews

If you want to be treated like family use Caliber. Kim ** was always available and went far beyond what we have ever experienced with past mortgage companies. We will always use Caliber. Fantastic, caring people. If we could 10 stars would never be enough.

Lisa was amazing. We've recommended her to everyone we know! She was readily available anytime we had questions and went above and beyond in making sure we understood everything as we were first-time homeowners :)

Katie ** was outstanding with my transaction and was on top of every aspect from loan app, to closing. She is an exceptional loan officer. And, I would highly recommend her to anyone looking for a home loan, or refinancing...

I just want to say I really enjoyed working with Wendi. She went above and beyond to ensure I was able to get my house purchase done. They were going thru a merger which I know can be stressful, but she handled it like a pro! Thank you for all that you did to help me.

She is one of the most knowledgeable persons in the industry in my opinion. The entire process went very smooth for a loan -- I’ve dealt with many others in the past and always ran into problems that stopped the loan. Sheryl took care of all of it and even had my numbers exactly where I wanted them -- and then some! Thanks again. Job well done!

I recently did a refinance with Caliber Home Loans and my loan officer did an amazing job. Communication was great and the loan was done very quickly. Servicing has also been good and has met my expectations. I saw some of the negative reviews in the past and I just wanted to give my two cents about my experience as it has been a very good one.

The whole process was good, just at the end at the closing appt, the person in charge of releasing the keys didn't receive authorization to hand them over until she received an email. We were there for about 4 hours waiting.

All I could think of during the whole process is you're guilty until proven innocent. A very madding process. Every step they think you're lying and should be in jail. Never again!

I highly recommend Candace ** in Port Hadlock, WA as a loan officer. She was a pleasure to work with during the process of purchasing our vacation home. Extremely professional and thoroughly organized while showing great patience throughout the weeks before closing.

Keane **'s team was amazing to work with! Thank you for always answering my questions and for keeping me updated throughout the process. I would (and have) recommend you to family and friends. You guys are wonderful and I appreciate you very much. :)

Miss ** and her associates were patient and involved through the entire process from searching to closing. Me and my family are satisfied and thankful.

My experience with Caliber Home Loans was topnotch. Lucy and her team including Abigail and Shannon were attentive and honest the entire time. I would highly recommend Caliber Home Loans and Lucy! Simply the best!

I am very pleased with the service that I received from Caliber Home Loans, who went the extra mile in getting my loan approved and me in the house in less than a month. As with most home loans, a few issues developed along the way during the buying process, all of which were dealt with in a timely manner by Caliber. Seriously, I cannot have been more pleased.

I was very pleased with the way Caliber Loans got me this house. Cory the broker made it all happen in a short period of time. I would recommend them to someone else for sure.

The agent I worked with was very incompetent. She was late getting the information I needed. She answered my questions incorrectly. The closing was far from smooth. The paperwork wasn't complete and we waited for hours to have the paperwork completed. After the closing, there was additional information required by the Law Firm. And my agent again provided me incorrect information which delayed my getting the right information to the Law Firm. If nothing changes, I will never use these services again.

When Chase Mortgage transferred the servicing of my mortgage to Caliber Home Loans, I was in the final process of my modification application. All of my documents were at Chase & appraisal was completed. When Caliber took over the servicing of the loan, they disregarded the complete modification/loss mitigation package that Chase transferred to them and proceeded to file a foreclosure date for a sale of my home. I called them and they said they did not have the documents from Chase (which the legal dept. at Chase states otherwise). Chase stated, "We send all of your complete loan modification to Caliber, and they should have put them in underwriting and given you a written decision of acceptance or rejection and all your appeal rights." Instead, Caliber ignored my documents. I quickly worked day and night to send all my loss mitIgation documents to Caliber; however, they said it was too late to get them into their system.

We found a home that we were interested in and it was owned by Caliber Home Loans. We made an offer with a contingency of selling our home. They rejected, no contingency. We understood this, no problems. Our home sold. We made an offer. They took 4 days to respond, only to counter. To be expected, but it was unreasonable, in that it is a complete "FIXER" and they countered our price and they lowered the inspection days from 15 to 5. We couldn't even get electricity on because it has been off for over a year, and needed to be inspected by county, but needed to be done by Owner, Caliber. They refused to have it turned on. We countered again agreeing to most except changed 10 days to inspect without electricity. We were told that there was another offer on the table. Caliber countered back accepting 10 days, and some other changes.

Pre-approved for a jumbo loan. Our debt to income ratio is nothing. We had a short sale over 3 years ago and provided an explanation for that. Credit is good. Then they call us the day before we are to close and tell us they changed their mind and will not give us the loan. Not only did they mess me and my family's life up they messed up the life of the sellers as they had already moved out. Caliber doesn't care about their clients. They take forever to do anything, and their customer service is horrible. Please avoid them. We immediately went to a local lender and was pre-approved, cleared underwriting, and closed on home in less than 3 weeks.

If I could have given less than one star, I would have. My husband and I applied for a refi on an investment property that we owned free and clear. We started this process in early MAY and had been told numerous times that the loan was approved, we had the approval disclosure from the lender and we were told that we would be closing in 20-25 days. When we would inquire about the closing delay, we were reassured that everything was fine but we were given excuse after excuse for the delay.

I obtained a VA loan with Caliber Home Loans in February of 2014. The experience was very good. While there is a lot of documentation needed for a new loan these days, Caliber made that experience as seamless as possible. Since they began servicing my loan, I haven't had any issues at all. We make our payment each month on the first using bank transfer (bill pay function), receive an easy to read statement, and have had zero issues with them. Great experience!!

Beware of this company. If you have a mortgage and find out your account has been sold out to them, get busy and refinance with another company. These people are legal thieves and will do anything they can to try to get your home. Do not believe nothing they tell you via phone, they lose faxes and documentations they receive, they will lie to endless points to try to foreclose and try to get your home. If you read their reviews you will understand how they operate. They will send inspectors to your home and then after they realize it is worth their time, they will go to all steps, ethical or illegal to foreclose on your home.

We refinanced our primary home about 2 yrs. ago with Caliber. They were very friendly but closing was delayed, then when we went to sign on our the rental, we're informed that instead of the 3.25% on main home, the rate was 5.25% on a rental. We received notice that they had sold the loan then in July, received a notice that we were short over $1,000 in the escrow account for the rental home. If we would pay now, our payment would only go up about $130 but if not, it would jump up an additional $225 a month. No advance warning about the % jump at closing or the escrow insufficiency. Not happy with the company. Next time we will use our credit union again like we did for our first mortgage.

I received a letter from my county threatening a lien on my home because Caliber failed to pay the taxes from my escrow account. I attempted to call Caliber twice and waited on hold for 45+ minutes each time and gave up. I found an email option and decided to try this. I received a reply simply stating that an insufficient amount of money was sent to the county more than 2 months late. I replied to the email stating that the amount they sent was incorrect. I, again, received a generic template response that the incorrect amount was sent to the county 2 months late.

I was contacted today July 8th at 1pm at work. I never received a phone call at home or on my cell phone prior to this. I am not able to have personal calls at work. I do not have my phone on and I worked 11hrs today. I do check my phone at lunch for messages. My boss answered the phone and said I had a call and inferred the person on the phone was not happy. When I answered the phone I immediately informed the woman I was at work. She didn't care then I started to get worried and asked her if it was important because I was at work and had a patient. She said it was extremely important and I was 8 days late on my house payment and wanted to know why and right now. Also do I need financial assistance. I advised her I do get paid tomorrow and would pay it then. Again I told her I was at work and she said. I KNOW. She then wanted to know why I was late. The reason for it? I explained I was ill and am running late due to illness.

My dad has a loan that got sold to Caliber Home Loans in June of 2014. Since then they have no payment history even though checks are cashed every month from my account. They sent no notices, just yesterday got a letter for foreclosure on July 23, 2015. All payments have been made, we are getting a lawyer. This company is a scam and liars. I have all the checks they cashed. Now they say if he pays 18,000 and more for lawyer fees he will be current.

My loan was held by HSBC. They modified and we made one maybe two payments and then we became Caliber Home Loans new customers. They refused to abide by the modification that was in place when they purchased the loan. It was set up for two years with the extra above the payment to go into escrow to pay for the taxes and insurance. They insisted that they did not have such a contract that I would have to buy my own insurance and if they carried it the payment would go up from $1000.00 a year to $3000.00. They also refused my payment and sent the check back. They told me I could modify the loan. So we began the process a year ago with Caliber telling me such lies as we did not receive the paperwork or, "send us this now because what you sent us was not sufficient".

On 6/19/2015 I applied for pre-approval loan through Caliber loan. They said this is the only way I can bid or purchase this property (**). They rejected me, said I had 1 payment over 60 days in 2014, but I was approve by CitiBank on 6/19/2015. My credit score was 720. They will not return my calls or send me a letter explaining why? Still waiting 6/26/2015.

Caliber Home Loans foreclosed on my home in the modification phase. Was denied modification because they said they didn't get the package until the day of the sale. After asking them to send me all of the faxes they had the complete package two week before the sale.

I bill pay my mortgage to Caliber Home Loans and always pay more than what is due. On my latest statement, they didn't apply any of my payment to the loan, as I was so far ahead on my payments. They put the money in an "Unapplied" status and did not reduce the amount of my mortgage. They have done this 3 times this year. Being as interest on a mortgage is added daily, I have been overcharged interest. My mortgage balance has remained the same, even though I pay ahead of time. I spoke with them on the phone and they said they would "Make a note of it". That does not pay the extra interest off. Also, my mortgage was sold to them as Vericrest Financial. This put a negative on my credit score, as Vericrest was a company that lowered your score if you got a loan thru them. In my case, I did nothing as the mortgage was sold to them. Thank you.

We started shopping for a home early winter 2014. We identified a home we liked and made and offer in June 2014. Our agents broker told us they are working with a new lender that promises to close in 30 days for less and the entire process is electronic. I have A+++ credit and it took them over 90 days to close. We missed our rate lock 3 times and they kept saying they could not verify my employment. My employer and HR Vice President did not get an authorization until the 83rd day to complete. Further, once the loan finally closed, they told us they made a major mistake on the good faith estimate and needed additional funds to close. They insisted I must have PMI when we put more than $100k down and the requirement was only $70k.

I called today, spoke with agent ** and ask for my monthly statement and the agent said there is a cease and desist on your account. Explained that my attorney sent out a letter back in January requesting to resume sending monthly statements. He said never received and requesting to send by fax to **. Since I was on my break I was unable to verify, but later I see that the attorney used the same fax number and also received confirmation that on January 19 2015 at 10:15 am the fax was received. Their procedures.

My house was in pre-foreclosure and I was working with Chase who held my mortgage for a loan modification, when Chase abruptly sold my loan to Caliber, Chase had requested a postponement but the attorneys couldn't do it without calibers approval. My house was set to auction 7 days after they acquired it, but it could take up to 10 days for me to get in their system, which means I almost lost my home because I wasn't in their computer. The foreclosure attorney made the decision to postpone it due to the situation. I was initially going to do a loan modification with Caliber and they postponed it again. 3 weeks ago I made the decision to sell my home, I called Caliber and informed them they could stop the modification process as I intended to sell. My sell date is June 10th. No one told me anything other than that's fine. So I hired a crew and we cleaned out the house and put it on the market a week ago.

Since they took over my loan from Chase my taxes have not been paid since November. I have been sending them the info for 6 months and finally in May I get someone in Customer NO Service and they said it would be taken care of in 2 weeks. SO I call today and nothing has been done. So they tell me to just check back on line in two more weeks.. My taxes are now 6 months over due and I have no confidence it will be corrected then.. And I am sure they will hit my account for the late fees when it was Chase or their fault.

I recently refinanced, and they got the loan. The website looks to be about 15 years old. Minimalism is nice, but it should still be modern, and it is not. I tried to set up automatic payments, and it required the printing of a form and faxing it. I can't tell you the last time something asked me to do that. Instead, I set up a push from my bank instead.

I tried to refinance my mortgage and used the appraisal company they informed me I had to use. The appraisal came back with numerous inaccuracies in which I responded and produced proper documentation for the property. The appraisal company updated their value. Caliber Home Loans refused the appraisal and told me we had to have yet another appraisal completed by another company of their choice. The 3rd appraisal came back higher than the second, however the rate lock had expired and we lost the rate. The entire experience took too long at the fault of their own guidelines.

I've just finished reading several recent complaints about Caliber Home Loans and wanted to share my experience and how I resolved my problem. I've had a mortgage with them for less than two years. I have paid additional principal since the beginning of the loan and clearly marked it as such. They consistently applied most of the extra funds to principal. At first, I thought it was a simple error that would quickly be corrected when I pointed it out. But no matter how often I called the Customer "Service" Department, nobody could help me. One very sweet representative told me that "the interest keeps chopping down" over time but did not have the ability to discuss actual facts and figures. Requests to speak to a supervisor went unanswered. My balance was corrected at times but then the same problem would happen again.

Our two mortgages have been recently bought from Cobalt by Caliber. In six months or so since we've been with them, we cannot communicate as their system is "Not recognizing our accounts/loans". They mailed a statement for two months, expecting us to pay the total of two months payments, because they missed sending us the first statement. We did make a large payment of $1600 but cannot continue to do that. Today is the 8th and we haven't gotten our statements yet. Calling them is in vain because we get automated messages that our account is not in the system. It 's been extremely frustrating as we are trying to do their job as well as be responsible for our duty to pay on time. We would like to get out of this but don't know how. How can we change mortgage companies without refinancing?

I received notification that my property taxes were delinquent. I called Caliber Home Loans, who is my Escrow account provider, to check and they had paid the wrong parcel number (property location) taxes. They said to call back in 10 days to get a status update as they are not allowed to make outbound calls. I called back to discover they paid the wrong amount again, and got the same response to call back in 10 days. Exactly one month later, my taxes are still delinquent and Caliber only apologizes and says that once they receive both of their checks back, they will try again. They told me that the credit to my escrow account, which is now negative thousands of dollars, can take up to 90 days.

I was awarded my home in divorce settlement. The ex-spouse had not been making payments and referred all loan communication to her in another state. I have spent 22 months repeatedly sending & re-sending applications for a loan modification. During this time they would not accept any payments on my mortgage and returned any checks I sent. After all this time they denied the modification for the reason the LTV wasn't 80%. They did not take into consideration the current debt/income ratio which is better than it has been in years. They would not consider any of the state programs available to help prevent foreclosure nor would they consider a repayment plan. They violated every rule & regulation of the Consumer Financial Protection Bureaus.

In my opinion, this is THE WORST loan servicing organization I have ever seen. Our loan was sold to them in 2013. Since that time we have received multiple errors with our escrow account. Just received another one today. This time they say we will be over $10K short in the account. Nothing has changed from last year. I will now have to call them...AGAIN..to get it corrected. I'm headed to our attorney general this time. Enough is enough. I'd go with zero stars but the system wouldn't let me.

Latest: Requested a loan mod since our outrageous ARM increase makes our $150k house payment $1450 a month, from former $575 a month. We haven't used credit in 10 yrs, and can't get a refi. Caliber doesn't refi their own customers, and they make it impossible to improve credit. Pulled free credit report and found our current Caliber mortgage, our primary residence, is showing as a closed acct, with every loan mod payment as late even though we paid on time.

When my mortgage was taken over by Vericrest, I started getting notices in the mail saying I was behind on my payment and I wasn't. I would get phone calls several times throughout the day everyday. They rejected my last payment and had me to apply for a loan modification which they denied. Our home went into foreclosure. After living in our home for 15 years, we lost it and had to move. My mom bid on it when it went up for auction. She was the only bidder and went up to $18,500.00. They rejected it. Two years after we moved out, it sold for $14000.00. This company is impossible and I ether people to steer clear if at all possible.

I see that we are not alone with our dealing with Caliber. We fell 3 months behind and asked to have the payments put on the back end of the mortgage. They said they could work with us if we were current. One person there, one of many that we have talked to, called and set up a repayment plan. Although it would have left us short on funds each month we had no choice since we were told by one of the other service reps that the foreclosure process could start any day.

Ever since they bought my loan in November, I have been harassed by mail. They say I am two months behind, when I've got proof I'm not. They threaten me with foreclosure every month. They have denied my request for a loan modification. They won't refinance me and because they report me late, my credit is steadily plummeting into the dumps and no one else will refinance me either. This company sucks!

Mortgage was transferred from HSBC, while we were with HSBC we file chapter 13 entire time we were current with our mortgage. Now after we completed our chapter 13, we received a statement saying we owe $18,000. We immediately called HSBC at the time we was with them and said this is a mistake they said they will help resolve problem. Then all of a sudden we received a letter saying our loan was being transferred to Caliber. This company is just as bad as HSBC. We sent them bank statement showing proof that we paid and also we in chapter 13 and there's no way you can get behind on your payments because they will with draw the "automatic stay" so now that Caliber still saying we owe this balance we now have hired a lawyer also we plan to sue HSBC and Caliber.

We were in escrow, with Caliber Home Loans as our bank. They lead us to believe we would have a loan. We paid them 150 for the paperwork stating such. Their ineptitude lead to them asking for the same paperwork over and over again, to the point we had to ask for 3 extensions in escrow. Eventually, Caliber stopped returning our phone calls in which we repeatedly asked for answers. Eventually, seller threatened to kick us out of escrow, and we would lose our deposit. We were then forced to take a hard money loan. This hard money loan cost us $17,000 in extra costs. Suffice it to say, we are absolutely livid with this company.

So recently, Caliber Home Loans bought our loan on our house which we thought was really weird as we were going into foreclosure. Both my husband and I went through job losses and ended up moving from our home to a rental in an area where we both were able to finally get jobs. We were so far behind on our Mortgage we agreed with the lender that the best option was to just foreclose. Well, much to our surprise, we get a letter from Caliber stating that not only did they buy our loan but that we qualified for a loan modification, and if we starting paying by February, we would not foreclose. So we said, “awesome, lets do it,” signed the paper, started paying. A few months ago, I started monitoring my credit because I had a creditor call me about cable TV that was unpaid in an area in California that I had never lived in.

Worked here for a few months, and I do not believe they are committing fraud, but the company's business practices are highly unethical. Left this place as soon as possible. Scary that Caliber Home Loans (aka Vericrest) is now lending across the US. I expect this company to have higher rates of default & foreclosure than any other mortgage company.

Our mother passed away on January 21, 2014. At that time she owned a home she purchased in March 2013 that was subject to a mortgage that had been sold to Caliber in July 2013. When she passed away, we notified the mortgage company that she had passed and we were not setting up an estate, per advice of council, and were not going to be keeping the home. Since that notification, I received numerous calls and letters regarding the past due balance accruing on her note. Despite my continued insistence that I did not own the home or was a party to the mortgage, the calls and letters continued.

I am overwhelmed beyond belief. From this way, this company has been nothing but disorganized and irresponsible. When Caliber took mortgage over, they sent me a letter that stated my payments would be automatically deducted as I had it set up with my previous mortgage company. Then I receive a letter stating my payment was late. I then had to get medical treatment and had unexpected car expenses so I fell behind. I made a payment arrangement. I submitted an online payment for which I received payment confirmation. They then tell me that was "not supposed to happen" and I was then not allowed to make payment as I fell too behind and it seemed as if I didn't keep the payment agreement.

Our mortgage was assigned or transferred to Caliber Home Loans from Beneficial. Apparently the last payment we had made to Beneficial was not credited to Caliber in a timely manner. We started receiving notices of pending foreclosure action for one late payment! When I spoke to Caliber, they told me Beneficial had up to 60 DAYS to post our last payment. (We did have some late fees with Beneficial, however those fees are not foreclosable.) I made the current payment to Caliber online, however apparently their website was not working and the payment was not credited. Consequently, the payment was made at a later date by phone, and at that point it was delinquent. Even though I have a confirmation of the online payment, Caliber has NO record of receiving it.

Recently I have applied for a home loan through FHA to try to obtain a loan for a house. To my surprise the loan officer told me that I wouldn't have a problem until he saw that I was in Foreclosure with Caliber Homes (formerly Vericrest). WHAT?????? He said if I contacted them to see what was going on and they could correct this mistake and report it to the credit bureaus, then we could proceed. Well I contacted them and the lady at Caliber said that it was a payment I had missed 8 years ago? I remember this payment well. I talked to then Vericrest because I was going through some hard times and she said, "No problem.... Since you have been such a loyal customer.. this is what we can do. We can put that payment on the end of your note." I said great! Well back to my story. I told Caliber what I had done through Vericrest and she said she couldn't find record of that?????

I made several payments to BofA and gave Caliber proof showing paid. Stupid bank still see it and they lied about giving me a loan modification. Don't trust this bank. I am going to sue Caliber and BofA. Terrible mortgage banks.

On Jan. 9, 2015, a family member who works as a senior loan officer highly recommended a mortgage company titled Caliber Home Loans. On the same day I applied for a mortgage. On February 27, 2015 the mortgage was still not approved after submitting over a hundred legal papers one day at time. During the process the Sr. Loan Officer stated over the phone to me two times first in the beginning of February and on Feb 27 "Congratulations. The loan has been approved." These were lies because after I paid $1000 processing fee, $2,000 for 2 cancelled closings, and $1,000 to insure the house I wanted to buy, I was told that more paper work was needed. Thank God I took my losses of over $5,000 before getting a loan or future foreclosure from Caliber Home Loans.

My loan was switched over from HSBC to Caliber. I had a loan modification setup with them and then all of a sudden, I got a letter saying my loan was switched over to Caliber. I started paying them what I was paying HSBC and said I needed to turn in all my documents over to them for a loan modification through them. I turned it all in but they always had an excuse to why they couldn't give me a loan modifications. They had no problem cashing my checks but not applying them to my account, then all of a sudden I got papers sent my house saying they were foreclosing on my home. Just like somebody else had stated, it was through US Bank Trustee. I now have a Chapter 13 hearing on March 12th and they're saying I owe them 15,000. Doing the math, I should only 8,000.

Filed Chapter 7 Bankruptcy 05-12775, was with Beneficial now serving transferred to Caliber Loans. So the mortgage hasn't been reported since the chapter 7 discharge and I checked my credit report yesterday, it shows we have a mortgage with Caliber. It needs to come off right now!

My wife and I had separated and I had moved to another state. The bank is up foreclosing on the home. Several months later I received a letter from Caliber Home Loans that I need to pay taxes on the house and catch up on the mortgage payments which sounded very suspicious. I had talked with a Lawyer in that city and there was no way I could obtain the house even if I wanted it back. And now they are reporting that false information on my credit report. The only reason they have not sent a foreclosure letter is because there is no house.

My mortgage was sold from HFC. I had modified my loan because I was given a 10.8% interest rate. When thing went bad I lost my job, my husband lost his and I got an extremely high interest rate. So Caliber takes my loan. I tried communicating with them I was not able to keep up with payment so high. So I get this letter from a lawyer stating my house was in foreclosure and a sale date was for February 6 2015. I call and tell them I send paperwork to try for some help modification something, I lived in my house for 18 years and I really didn't want to lose my home. I begged to reduce my interest rate and I would be able to make my payment.

I just found out these people have me making 14 late payments to them they just purchased verifies the financial I have never been late. I have a modification for two years. Is that what the help is? They help and destroy your credit in the process. These people are more disorganized than Vericrest. They tried to tell me that I had missed a payment 3 years later and when they asked for proof I gave them bank statements. But they kept changing the date every time.

I will keep this short but our experience with Caliber was nothing short of insanity. If I explained everything that we went through it would take too long and be so unbelievable that no one would finish reading this post; so here's the abbreviated version:

I have just finished reading the previous statements. It all sound so very like what I'm going through. No "welcoming package", no way to contact anyone at Caliber, no email response, and etc. I have no way of contacting anyone at this company! How can I get their attention? I would like to know the terms of my loan and so on.

Caliber Home Loans has the worst customer service that I've ever dealt with!! Spent 45 minutes trying to contact a customer service representative and of course no luck. If your mortgage gets sold to this crap hole company do yourself a favor and refinance elsewhere... Unfortunately I had to give them a 1 star. They don't even deserve that!!

Caliber bought my loan from HFC in June. By Sept they were filing for foreclosure of my home. They never sent default paperwork. I was behind in my payments. I applied to Florida's Hardest Hit program and was approved for $18,000. When they called Caliber, they rejected the offer. Both myself and the woman at the program were surprised. When I told this to my son, he sent me the report from Consumer Affairs and that I needed to sue them. I am saddened to think how many homes they may have already taken from people. I am praying for guidance for my next step(s) against losing my home to these unscrupulous companies/lawyers.

On December 1, 2014 our office wired out through an Attorney IOTA Trust account a payoff that was good through December 4, 2014. Caliber Home Loans returned the wire saying we had information on the wrong lines…??? We did not learn of this until Friday, the 5th of December, wherein we IMMEDIATELY wired out the payoff NOW WITH ADDITIONAL INTEREST for the one day since we had paid it early on the first and the BORROWER would have been entitled to a refund of the extra interest money. On the 16th of December the client who sold her home through our office called to inform me that Caliber Home Loans had taken another mortgage payment from her bank account and was stressed that she was not expecting this to happen since we had wired out the funds to Caliber Home Loans on the 1st immediately after the closing of the sale of her home. I immediately contacted Caliber Home Loans who has the CRAZIEST phone system you could ever believe - if you don't punch in the exactly correct number it hangs up on you - extremely exasperating and this happens every single time.

Well I received a letter today 12/8/14 stating that there is a late charge of $25.00 due to an insufficient funds in my bank account when indeed there was more than enough fund in there. There was also an extra charge of $15.00 separately that was shown taken out the same day my usual monthly payment was taken out 12/1/14. I didn't think much about that $15.00 since part of me thought maybe it's a fee they charge yearly since it's the end of the year. I called them today to inquire about this charge of $25.00 and the lady who spoke with me took forever to find out what the problem was, then came back with a lie saying that I didn't have enough funds on the account. I assured her that I have it right in front of me showing on my bank statement that there was more than enough fund and it was left untouched until the day they took it out!

Caliber took over my mortgage in April. They lost the first payment, then they still didn't have accurate info in the computer. I set up a payment arrangement until the lost payment appeared and overcharged my bank. I filed a modification and they denied it. Every time you call there you get a different person who tell you different information, you can never get a call back. I was never able to speak to the modification department. They now have me placed in foreclosure!

Caliber bought my mortgage. I was going through a modification and it had been approved by previous servicer. New agreement was signed and first payment had been made. Then caliber claimed they never received it. I called previous servicer and they assured me it was sent with my file. I emailed it and faxed my copy and they kept insisting they didn't receive it. Then finally, one day, someone told me they received my copy but wouldn't accept it. They said that was the agreement I made with the previous servicer not with them and said I'll have to start over. I have filled out the new mid forms twice and emailed to the address they instructed and faxed it as well and it's been a month and they still claim they haven't received it. One representative told me they have 10’s of thousands of people sending them paperwork and that they don't have time to look for mine specifically and then she hung up on me. I've never dealt with a company this awful. I've decided if they still claim to not have the information I sent them in another few weeks I'm going to my attorney. This is just completely ridiculous.

Caliber didn't pay my homeowners insurance from my escrow account. So they put their own lenders insurance on my account that is 3x more, without informing me. So now my monthly payment is $450 more a month.

Caliber Loans bought our loan, I have never been late on a payment with prior loan company. I would pay from my bank account, I put in a payment and 6 days later Caliber Loans charged me a late fee. I tried to set up an account on their website but it will not accept my password or let me change it. I have been paying on the phone where they charge me extra every month. I have been sending a check in the mail and still getting charged late when I sent the check 10 days before due. I have spent more time on the phone with them and sending them emails telling them that I have the money in my account but I cannot seem to get it to them...I do not want to pay extra. I wish I could have anyone else have my loan...do not use Caliber Home Loans.

The October payment that I mailed did not post to my account. The other 4 checks that I wrote on the same day as my Caliber check cleared the bank promptly. I called Caliber and with difficulty was able to speak to a representative who said they had no record of my check even though now it was nearly 4 weeks since I mailed the check. I told her I would stop payment on the check and pay the payment online which I did immediately. Of course, I had to pay a stop payment fee at the bank. On my next Caliber statement there was a $15.00 fee for a returned check - they attempted to cash the original check that they must have had lying around the day after I spoke to the representative. I called and asked that they remove the $15 fee and asked how they could have had my check for 4 weeks without cashing the check. After much discussion and typing and being put on hold, and asking to talk to a supervisor, the supervisor told the representative that as a "courtesy" they would remove the $15 fee. My new statement shows that the credited me $0.10. Just called again to ask for the additional $14.90 credit. They said they would issue the credit in 3 days. We'll see. I think this is a shady operation, and everyone should keep an eye on these people.

You can’t get any real or valid information from Caliber Home Loans because they are not servicers. They are debt collectors under FDCPA. They are using shell trusts like US Bank TRUST NA as TRUSTEE for LSF8 Master Participation Trust. Both of these trusts are Delaware trusts. However, US BANK TRUST NA was closed in 2007. You need to sue them. Don't wait on them. They are lying. I am about to have a court case where the trusts are trying to foreclose on my property. Everything is so incredibly fraudulent and what it appears is really happening is that it is both Caliber and the lawyer(s) who are actually trying to foreclose and the trusts named as plaintiffs are just shell trust companies. Look into this stuff. It is all fraud. Then sue them. And keep suing them.

My loan was sold to Caliber. I have had several problems with them. Sent my first statements to wrong address. Got a late charge for that. They weren't taking out my home owner's insurance. They changed my loan without my permission. They sometimes don't send me a statement. I had to have my original mortgage company fix their mistakes.

This loan started with CBC bank in Kansas - a government appointed bank for the new laws regarding mortgages, loan programs, etc. They were wonderful but sold our loan to Flagstar who was fair, but sold the loan to Vericrest, who wasn't bad but they were sold to or absorbed by Caliber Home Loans and they simulate doing business like the old ABMRO Mortgage which was shut down or bought out after being caught doing many fraudulent things. In February 2014, my mortgage statement came with a $300 increase which should have been preceded by a letter to let me know there was a change. My mortgage was set up on an auto pay to avoid late charges so this increase went unnoticed until two months down the road when they called the house to say the mortgage was going into foreclosure.

Mortgage has been in dispute for over 3 years with original lender. Lender refused to accept any more payments years ago when we were current and told us that they would foreclose. They waited about 2 years to finally file in court. We filed our answer and counterclaim... Original lender got our counterclaim and took off running. They sold the loan to a trust, supposedly, and the loan is now supposedly serviced by Caliber Home Loans.

I have called repeatedly and can not even find the option to contact a person. My question is still unanswered and my time wasted. I have now emailed them and faxed them. I guess as long as you have no questions and all they have to do is cash your check, that they can do well. If you have a question or issue you are screwed. I guess the only way to talk to them is stop paying till someone notices and calls.

The worse customer service I have ever experience with a company. VERY RUDE AND WILL NOT ANSWER YOUR QUESTIONS. My loan was sold to caliber when I bought my home. Within eight months my home loan has almost doubled. It has went from $1251.00 to $2,256.98. I have called and they said that my taxes have gone up from $435 a year to $5,672.74 a year. So I called the county I live in and they said they were $435 a year. I had them fax me paperwork proving that and fax it to caliber. I have called every day for a month and they can’t give me a answer what is going on. They keep saying it is under investigation and they are putting it at HIGH PRIORITY and I need to call back.

Caliber Home Loans, PO Box 24610 Oklahoma City, OK 73124. My loan was bought by Caliber. Trying to get information is impossible. Every customer representative has a different answer. I have been trying to speak with a Manager's denier: Her name, Nieve **. On August 2, 2013 the value of my house went down. Was $443,100.00 of that time my tax was $9,203.19, now $362,900.00 my tax $7,537.43. My escrow is a much different has yet fix.

I want to WARN any borrower of this company before they end up stuck with them for 30 years. This is the WORST lender I have ever had. RUNNNNNNN!!!!!

My loan was bought by Caliber. Trying to get information is impossible. Every customer representative has a different answer. I have been trying to put a fraud alert on my account. I have phoned 4 times. The customer representatives state only Managers can do that. There is never a Manager to speak to and they never phone back when you leave your information. I have filed complaints with the BBB and no one gets back to me. They acknowledge the complaint that is all. They only give good service to prospective customers. The local branch state they can not help, they only deal with new applications.

For all three years during the loan modification period, even though our payments reached Caliber's office on time, we were reported as late to the credit bureaus. At end of modification period we were told our interest would go from 2.0% to 8.5% and we also found out the modification was not a true modification because they were charging interest on the unpaid interest every month. And now at the end of three years all the additional interest was added to principal and we owe more on the balance than when we began the modification. This seems criminal to me and we have been attempting to straighten in out for over 1 year to no avail. No one can answer your questions. They say they will get back to you and never do. Every time you call you get a different agent - it is so frustrating. I'm thinking of calling the Attorney General because I don't believe what they are doing to customers is legal.

As I stated above we had our home loan through HSBC/HFC and/or Household Financial. Back in May 2012, we contacted HSBC/HFC and requested a payoff amount for our home which they provided and we then paid off our home. We later received from them a letter dated May 21, 2012, thanking us for choosing their company for our financial needs and that they are "pleased to inform you that the above-referenced account is now paid in full." We also received from HSBC by mail (postage date: May 22, 2012) the DEED OF TRUST with the LOAN AGREEMENT attached and stamped PAID. Additionally we have the SUBSTITUTION OF TRUSTEE showing the recording was requested by: HSBC Consumer Lending, and when recorded return to Current Trustor (my husband) Gunter ________ and dated May 25, 2012; as well as the FULL RECONVEYANCE with that same information and date.

Caliber Mortgage bought out our home mortgage and they sent us a form to fill out and send back on how we wanted to make our monthly payments. The form was so unclear we took it to our bank where we would be making our payments from and had the loan officer there fill out the form and fax it to Caliber. From there, the Horrors began. After several months, we discovered our bank officer had checked a box saying Caliber should take out double payments. When we discovered this, we contacted them and could not get anyone to respond. Everything left us at a message line and no one would respond.

My mortgage loan has been transferred 5 times. My original loan was set up due on the 1st of the month, grace period by the close of business on the 16th. If the 16th is on a Sunday, it is due the following day on the 17th by the close of business. Caliber refuses to accept my original contract terms. Caliber is in the full service business fees for payments (posted faster) I make mine online thru their website (the free service) but it takes 2-3 days to post to my account so it's late & it now is due on the 15th. So, in other words, even IF I made it on the 15th, it would still be late because it takes 2-3 days to post. If it takes 2-3 days to post, then I still would not get my full grace period.

We had a bad hailstorm on June 9, 2014 this year. Had an insurance adjuster and contractor at my house on the 20th of June. Had a check for the damage to the house before the adjuster left my house. Unfortunately, they make the checks out to my wife and I - and the mortgage company, Caliber Home Loans. I thought the adjuster would be the issue. Little did I know that it would be my mortgage company holding up getting my house fixed.

What a horrible experience with this lender. Buyer was advised clear to close not once but three additional times to be told wait one more thing. That one thing then turns out to me numerous items. Everyone has gone through hoops except Caliber to get this done. Closing is now over three weeks and we have had all documents in since Mon. only to hear today, Wed., still in underwriting and they should be ready early next week. Seriously a week for the fourth time in underwriting! Is this normal for Caliber?

Chase have not passed on my billing info when selling to Caliber. Caliber never notified me that they bought the loan. When I finally realized my mortgage was sold due to extra money in my account, I managed to contact them through Chase Bank. They asked for late fees, escrow (which I don't owe) and for back payments of which I already made to Chase. Resulting in, 16 thousand in attorney fees six months later. I can't pay that and they want to take my home.

2nd attempt now to get a loan modification, first time I was given a phone call to say I had been approved, the paperwork I had filled out said I'd be really comfortable paying $650 a month, so that's what I started paying for the next 4 months. Everything seemed ok until my last statement. I paid the $650 only to get the check sent back to me. I've been on the phone with them numerous times since this occurrence, only to hear that I need to reapply for a loan modification. They took my other $650 payments and put them in a suspend account but haven't been applying any of it to my loan. It's just been a nightmare, not being able to talk to anybody that cares.

Was having trouble making mortgage payments and requested a Loan Modification. On Jan 11, I faxed 32 pages of financial info to Caliber to start the modification process. After being told that the process could take up to 6-8 weeks, I waited about 6 weeks and contacted Caliber to check on the modification process. I was told that my documents were not completed properly and that I would have to resubmit a more recent set of documents. This process was repeated in Feb, March, April, and May. Each time I submitted my documents, Caliber would assure me that everything was in order and that my modification request was being reviewed. By this time, I was receiving legal documents threatening me with my home being sold at auction. Each time I brought this concern to a Caliber representative, I was told that my house couldn't be sold at auction if I was in a Loan Modification process.

Had some hard times with unemployment. Fell behind on mortgage. Sent them a check for 6000$. Over a week later, I noticed the check wasn't cashed. Called and they said yes we have it, but we filled foreclosure papers that I did not get yet. Received the papers, called to get papers sent for amount to reinstate the loan mailed. Over a week later still no papers. Called and they said its 16,000 (apx). Went to my 401 to get the money a few days later. Called back and told them I have the money. They said Oh, it's 20,000 now.

During the beginning of 2012, work became very slow, being self employed, I fell behind on payments, I missed 3 payments. I made January payment, but was unable to make another payment until April at which time I contacted Vericrest to bring account up to date. Was told my balance to bring account current would be over $12000.00 due to late fees, attorney fees and my home was in foreclosure they told me. I tried to work out payment plan. They wouldn't accept, went from owing $1100.00 to over $12000.00. Ask if late fees, etc. could be put at end of loan, denied, extra payments per month, denied. Never was given list of extra charges and fees, tried to use money held for repairs along with other money to bring loan current, denied. Lost home.

My bank mistakenly sent the incorrect amount to Caliber Home Loans for my mortgage. I called them and they took the difference over the phone with no charge. I also learned that I could pay my payments bi-monthly for no fee which I immediately signed up for. From the processing of my loan to the servicing of my loan, this has been the best company to deal with.

I was filing for a home loan and was told by company we were applying with that we were more than 30 days late with our current mortgage. We have no current home loan with anyone in over 4 years but this company is currently reporting that we are late with our mortgage held with them? As I stated we have nothing current with them or anyone else at present time. I know over 4 years ago they did have our home loan but we lost our home to foreclosure. I want them to stop and desist with their fraudulent reporting to credit bureaus as we have nothing current with them or anyone else as I stated. We have no home at this time and definitely no home loans with any company at present.

My mortgage was sold to Caliber Home Loans last summer. In December I incorrectly wrote my check for our mortgage payment resulting in a shortage of $300. I received an automated phone call mid-month (I later learned from my bank the check had been cashed 2 weeks earlier), that the mortgage payment was overdue (if you've ever received one of these calls from Caliber the tone can be quite alarming before the nature of the call has even been revealed, kind of eerie and frighteningly mysterious as perhaps a loved one is being held captive in a foreign country for ransom). Then the phone # provided to return the call leads to an automated system and leaves no prompt to speak to a live person to find out if the check never arrived, or in my case it had, had been cashed (I only learned this by contacting my bank, Caliber's automated system it appears does not register a partial payment), only it was short. This call came at the end of the week on a three-day holiday weekend. I should note that I firmly believe the timing of the call at mid-month is to enable Caliber to collect their late fee.

Caliber Home Loans is a complete joke of a loan servicer. They hide behind automation technology and don't provide a way to contact them directly. You leave voice mails and send emails and they never respond to them. The only way that I found to get them to respond is to file a complaint on them through the Dallas BBB. Here is the link if you want to file a BBB complaint: **. If everyone files a complaint there to get an answer, their BBB score will continue to fall (it is currently C-). So if you can't get a hold of Caliber, file a complaint there ASAP (it still takes about a month before they bother responding).

The customer service doesn't want to answer emails, is rude on the phone, hangs up on you if they get another call, and good luck trying to complete a short sale with them. It will probably never happen.

My husband and I have been trying to get in contact with someone at Caliber Home Loans. We are calling 1 (800) 401-1668 every day and we still haven't spoken with a live person. We tried to access our account via online but can't access the website. How in the world are you to ask questions and pay your mortgage.

I'm currently in the military and had a home loan that was sold to Vericrest. I had to move because I was placed on military orders and fell behind on my payments. Because of the Soldiers and Sailors Relief Act that was not supposed to be reported to the credit bureaus, I have called Vericrest 3 times about this and they have corrected it all the times. Now it's on there again and it's been going on for 6 months before I caught it. I'm going to contact an attorney to see what I can do about this.

My loan was recently transferred to Caliber Home Loans (formerly Vericrest Financial). The service start date was Oct 1st. I normally send my payments on the 1st of every month since the grace period allows the payment to be as late as 15th of the month. I waited for their coupon book until 10th and finally called the company about the status of my account. The service representative told me that the welcome package was sent out on 9th and I can send the payment when I receive the package. Knowing the company's reputation, I decided to pay it as soon as possible so I asked about my account number with the company. Then I went ahead to create my account on their website and paid the first payment on Oct 11th (using their online payment link) that was due on Oct 1st. The fund was withdrawn on Oct 15th from my bank account. On Oct. 16th, I received their welcome package. I verified that my account in their website indicated that I paid the first payment on Oct 11th and my next payment date is Nov 1st and that no fees were indicated.

Caliber Home Loans are highly qualified virtually existing parasites with C- rating at BBB and my personal experience with them confirms this fact. Totally Careless, impudent to impossible extent (behind the mask of politeness) they will keep overcharging you, take interest from principal extra-payments you make etc. You have to control them closely and double-check every single transaction. They cannot be trusted. Calls do not work with them. They will tell you what you want to hear over the phone and do nothing and then pretend they've never heard about the issue. After several emails and after you begin threaten them they will eventually correct the balance and next month everything starts again.

My mortgage was sold to this worthless company and I couldn't be less happy. I was to receive a welcome packet with all of my new information which was very late. It was in fact in violation of regulation. I called customer lack of service several times and was told something different (and incorrect) every time. Now I finally get my invoices only to find that you can't online bill pay without a fee. So, I take it back to 1953 and write checks which they hold well beyond the usual processing time. This company is a guppy in a sea of sharks and will be eaten as a snack eventually.

Recently my home mortgage was switched to Caliber Home Loans (it was merged with Vericrest Financial), and my nightmare started. Their system is so inefficient and my payments arrived at their address on time, and they cashed promptly, but their system would not get updated correct. Then I received tons of mails telling me that they will foreclosure the house. When I called, they simply replied that they noticed their system issue and by mistake, put my funds to unknown area and did not have any apology. It made me confused :-) with clear account number on the check and with a letter, how can they cash the check without putting the funds to the proper account? Beside this incident, I have experienced several similar things in 3 months.

Working with Caliber Home Loans has been an absolute nightmare. I was purchasing a townhome from this lender. The agent assigned to me, lied to me from the start. He was going to get me a lower interest rate than another home loan complaint. NOT SO. Actually it ended up being higher. The agent had no idea what he was doing. When I gave him all of my documents, I repeatedly asked if there was going to be an issue with my income/debt ratio. He assured me there were no problems.

I have been a customer of Vericrest Financial since they brought CIT. I cannot access my online account to pay my mortgage and the number on their website states" for unforeseen reasons we are unable to take your call." When I called one of the branch locations they told me my account did not exist.

My loan was bought by Caliber Home Loans/Vericrest a couple months ago. I was sent a letter from Flagstar explaining the transfer. I waited and never got a bill or statement from Caliber. I started trying to track them down knowing my mortgage was coming due. After many calls I finally got through to the mortgage dept. They had a recording telling me it was a debt collector and they were trying to collect a debt from me! What!? I was not late and have never paid a bill late in my life. The man who came on the phone also told me they were going to be collecting a debt and the call will be monitored. I asked him immediately if I was current. He said I was current.

Our mortgage was previously with FlagStar and sold/transferred to Caliber Home Loans (formally Vericrest). Through FlagStar, we had setup monthly auto payments and an additional payment to go directly to principal. First off, we received a letter notifying us that we would now have to go through Caliber and that our first payment would still pull as normal, but we would have to setup a different payment arrangement thereafter. Our payment did not pull as they could not find our account information. It has been nonstop runaround with them for the entire month as we do not want to fall behind on payments. Once they found our info, we attempted to setup payments via their website and that was a fail. We called them and they told us to wait to see if the payment would go through; it never did.

My ex-wife had not paid a bill of $53.00. It went on for years before I saw it. Of course, it went against me causing me problems with my bank. So I called them. They first said it was written off, so I asked, "Then it is paid?" I said, "Sorry, I did not know about this." I asked, "Then take it from my credit." They told me they could not so I asked to pay it. They said no, it is closed. I asked again to take it from my credit. They said no. Later I talked with another and told me to pay my bill. Yeah, so they gave me a record. Now they told me to send the money. Later in the conversation, guess what? The man said not to send the money because there is no account to send it to. So the account is closed, but they won't release it from me.

I have requested by phone and email very basic information concerning my account. I have never been late on a payment in my life. You have failed to provide the full accounting of where my payments have gone and when. My contract states excess payments will be applied toward various arrears, then directly to principal. I have been harassed day and night by your bill collectors demanding I provide personal information over the phone to identify myself. I assure you that will not happen. Each time I requested legal proof that Veriquest owned my mortgage and that I receive a full accounting of any payments made. I requested the items be sent by US mail to allow me to research your company and determine the validity of your claims.

Vericrest recently acquired the mortgage on my home. I have had this happen before and it really isn't a big deal but from the start (only about 3 months), this has not been a pleasant experience. During the transition, I was alerted by the old bank that the mortgage was sold to Vericrest and next payment should be made to Vericrest. I did not receive a bill from Vericrest and the first correspondence I received from them was that I was delinquent and that this was an attempt by a debt collector to collect a consumer debt. (This line appears everywhere by the way.) Is this any way to treat a new customer? I received an actual bill a couple of days later and promptly paid it. Bad taste right from the start.

My loan was recently sold to Vericrest Financial, and I am so angry with them that I cannot even put it all into words right now. Can't even make a payment without being charged a $6 fee, and they keep screwing up my attempt to set up recurring payments. So they put me on their call list for debt collection and left me a couple of messages that were so staticky that it took several listens before I could understand. They didn't send me any emails or even an email through my online account that I was past due, etc. They never sent any payment booklets or similar, just a letter that they took over from my last loan company and I should pay them from now on... Very irritated!

I was waiting for an answer for like forever on a modification. After sending them info time and time again, same info every time, I finally got an answer to my mod. No! I did stop sending them money to get caught up right in the beginning of mod process because nothing was happening with my mod. I did put home on market while foreclosure was in the near future. I had home sold but at signing time. Vericrest came back wanting $2,000 more. Buyer was putting $90,000 down also. I also had it sold a year and a half ago but foreclosure trumped the sale. Now, 2 years later, home is up for sale by Vericrest for less than they would have gotten. Never ever get a mortgage from this company and if your credit is great, remortgage away from them.

BOA sold our mortgage to Vericrest. We have had mortgages sold before and thought nothing of it. However this company calls us nonstop to "let us know" stuff or "confirm information". The most recent call was that our escrow account was going up. We received a $250 refund from last year's escrow because the value of our home had fallen and taxes were slightly less. However within 60 days of Vericrest acquiring our loan, the amount went up.

Vericrest took over our Wells Fargo loan, while we were in default. I made contact (and a lot of it - in excess of 224 calls and emails in total) to go through the loan mod process. My request was simple, let me get on a plan to get current on the loan, the rate can stay the same. Over the course of the foreclosure, I made contact at least twice daily for four months for response. I was upside down on the first and had a second, also with Wells Fargo, that was 100% upside down. Wells made it clear they would seek deficiency judgement on the second, forcing us to file Chapter 7. Vericrest agents were totally non-communicative.

Can anyone tell me or explain as to why my home loan got transferred to this company? We started out with a no name loan company, who in one month sold our loan to Countrywide, then when they went under, they sold it to Bank of America. I was sent a letter from BOA, saying this company has bought our loan (it is already modified) but could only say it's because it falls under Freddie Mac (we are not aware that they have any part of our home loan). And because we were modified last year, they can do this. Now I have tried to call this company, but they can't even tell me my loan number, let alone if they have our mortgage loan. I have seen others who have written here and we don't wish to lose our house (we have a medically fragile baby and two GSDs who are trained to assist us with her needs). So if anyone has any ideas or knows how this company operates, please let me know. Thank you.

I'm current on my first loan but have fallen behind on my second. I've reached out to the second loan department, Vericrest, asking help and they have advised that I can now pay and over the paper work to bring second current. But they refused to help because they will be profiting by foreclosing on my house.

I have read all your complaints on this site and my complaints are so familiar with all ones on this site. So what can we do? I hope we can all get our receipts and their records together and find someone to listen. They done the same with insurance tacking on fees. It's really overwhelming for me especially I have had to assume my financial affairs since my husbands sudden disability.

We got behind in our payments because of loss of job and the economy in general. My mortgage company (before Cit Group and now Vericrest) instead of helping me with the principal and interest, they raised my interest from 5.75% to 6% and just put aside part of the principal, but I still have to pay at the end of the loan and I don't know how. Also, they force placed all kind of insurances at a ridiculous amount and I had to pay everything. I tried to fax them a million times my own policies for insurances, but it took them 6 months to receive something I was faxing them every single day. I felt behind my payment again. Now, the last thing they did, they decided to take my payment for the month of August and applied towards taxes and again, I am behind a payment because I have to send the payment of August again. They do everything they can to mess up the customers lives.

Our mortgage went late via Citibank due to loss of job and they sold it to Vericrest. I sent them a check, which they sent back, and I had spoken with a few people. Sofia was one of them; she was very nice and she assured me that they were now working on our account to help us. I was to wait because they were going to get us in a plan that would help.

I filed bankruptcy in 2004 due to being behind a couple months on my mortgage payments to keep CIT/Vericrest from foreclosing on my house. I have certificates of mailing and copies of checks for each and every payment made since 2004. The bankruptcy was discharged in 2008. Ever since the bankruptcy was discharged, Vericrest, formerly CIT Group, has been claiming I am behind on my payments. I asked them to tell me which month they claim I missed. They tell me they don't have to. I have been given several different dates for the month they claim I'm behind. The latest was during the bankruptcy. I was told this on Feb 3, 2011. Their attorney fees were included in the bankruptcy. Yet, they are now claiming $2500.00 in late payments and fees. They send two certified letters a month threatening foreclosure. They cannot tell me which month they claim I missed. They send a payment history and tell me to go through it to find the alleged missing payment.

About 3 years ago, I took out a loan on my Capitol One credit card for extensive dental work. Not sure when but the paper was obtained by Citi Bank. The number I have for them now is unworkable. I received nothing saying that I must get a payoff amount before making final payment.

This loan was done in 2003. I paid $560.00 for 2 years and had an income loss because some of my stores that I was servicing sold out to other food chains. My income dropped big time. I asked CIT Group to refinance me and they wouldn't and couldn't after I told them of the problem I was having. Well, we had no idea until a worker in their company slipped up and told us that there was a title problem. The title had never been put in our name. I paid 2 years and they had yet to tell me that they had a problem. It was all fine while I was paying. What if I had of paid 30 years and after that I still wouldn't have owned my house. Well, we were told to get out in 2005 and we did.

Prior to July 2009, I was never late with payments. I had been away from home for six months and upon my return in July, I overlooked sending payment on time. I received a letter from this company that they were turning the matter over to a debt collector. I received this letter before getting a statement for the month of July. Had I received a statement, it would have brought it to my attention that I had overlooked the payment. I immediately sent enough money to close the account, so it had been closed since August 6, 2009. I requested a letter of confirmation that this account is closed. I also requested a payment history showing how the last two payments were dispersed. Initially, I was told that it would take 21 days to receive it. Today, I was told that it would take 30 days. I feel that this company is giving me the runaround. I would appreciate your assistance.

Before the big mortgage bailout came about, I tried to work with my mortgage company to see if they could refinance. They flat out told me no and to get someone else to refinance me. Since then I fell behind in my notes and asked for a loan modification. My mortgage company is not helping. In January, I faxed all requested documents (not once, but on three separate occasion). Finally, they acknowledged that they received my document and it would have to go in review. It's now the end of April and I'm still waiting on the underwriter's decision, and the modification company needing more information from the mortgage company. How long does this process suppose to take? I'm only getting the runaround. I recently had my property reassessed and the value has gone down. Will they take the new value in consideration?