Caliber Home Loans reviews 50
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Peter Siebertof US
Jan 30, 20239:57 am EST
Customer service
Tried to get in contact with customer service and have failed... All I get is the automated phone service... Such crap. Can't get logged in because my number has changed, so can't check my w-2's online... This is total BS. Thanks goodness we no longer do business with this company.
I really thought that this Caliber Home Loans was great at one time, but not anymore.
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GregVAof US
Oct 25, 202212:40 pm EDT
Escrow, customer service
Caliber insisted on putting my flood insurance in escrow, and collected funds at closing (Jan '22) for the first annual premium (Apr '22). They were late paying FEMA, which created a huge mess with the policy. Lots of letters from FEMA and confusing letters from Caliber, lots of phone calls to the insurance agent. A huge waste of time.
To make this more frustrating, it is impossible to speak with a human being when you call their "customer service" number.
Lack of attention to detail, plus no way to contact them to resolve. Not a good combination.
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Paolo PMof Hollywood, US
Sep 23, 202211:53 am EDT
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Customer service
Employees of customer service o in Caliber Home loans are the most unprofessional, unfriendly and without knowledge individuals I have faced in customer service.
It is a shame to call them and feel you bothers them at all time. I truly do not understand what are they doing surely as receiving a miserable salary they allowed to treat customer badly.
Truly a SHAME!
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Andi Dyerof US
Sep 21, 20222:39 pm EDT
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Covid forbearance scam
I have for the past few months been told something different every time I call or speak to anyone in regards to what is going on with my loan. You guys offered a forbearance and made it so easy to apply yet now going on 3 months that it should of been stopped and two months of payments have been submitted and i am still receiving paperwork stating we owe...
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M.Arpeyof Ocala, US
Jul 13, 202211:23 pm EDT
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Mortgage
I made the mistake of allowing Caliber home loans to service my mortgage. They are idiots of the highest order. First, they decided my escrow was too low, so for an $1100 a year payment, they are billing me almost $500 a month. Now, I've been paying my mortgage every two weeks. They say I haven't made full payments so now they say I'm late. The stupidity of this company is utterly staggering.
Desired outcome: I want them to not be stupid, allocate my funds correctly, and learn basic math
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Frustrated Deeof Lake Forest, US
Jul 01, 20221:02 pm EDT
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Insurance claim check process
On 6/21/22, Caliber Home Loans insurance claims received my check from the homeowners insurance adjuster. According to Caliber’s process, once all documents were received, a partial funds release would be made. I sent a request for the entire amount of funds to be released because we are doing the work on our own and cannot buy the materials “partially” to complete the work. On 6/27/22 we completed and passed the 50% inspection required by Caliber to receive the 50% funds. We had to borrow money just to get to that point for the inspection since we still had received no funds from Caliber. I called every day to get a status and was told that the check was held for review because I asked for the release of the entire amount. On 6/30/22 I called and was told that the check was still under review. On 7/1/22, I called again and told that my request for the total amount to be released was denied because they didn’t receive the contractor bid. Mind you, the letter that I sent them indicated that we were doing the work on our own and would need all of the funds for materials and supplies. They also had received the invoice for all of the materials we need which was more than the 50% they want to release. We can’t move any further without all of the funds. This is extortion. I just don’t know what to do now.
Desired outcome: Caliber Home Loans needs to release all of the insurance funds so that we can repair the home and bring it back to a livable condition.
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SeanC2020of US
Jun 23, 20221:02 pm EDT
Caliber mortgage
In January of 2021 I took the Covid Forbearance - from January thru December of 2021. during the forbearance I paid every escrow payment. I started back making the normal monthly payment in January of 2022. At the end of the forbearance paperwork call Partial Claim was return back over to Caliber several times. Caliber states no we only show we sent you the partial claim package and you never return it. So during the entire Forbearance I do not have access to my online portal for Caliber so each payment made I have to call in and speak to someone then at some point they stop that and said payments only by mail. I call in on 06/14 to make my normal June payment and now I was told by Caliber my home is under foreclosure and Foreclosure started on May 5 - remind you I made a normal payment on May 14th - On June 14th I was told no we cannot take your payment since you under foreclosure and that foreclosure just took place on May 25th and I would need to complete a Mitigation package asap and I done this - I have been calling everyday to confirm that Caliber receive my documents and I was told 3 to 5 business days to upload to my file and afterwards I would know.
Also another issues Caliber forced me in to Forbearance - I started refinancing with Caliber for lower rate due to for seen circumstance with Covid and other heart issues - I started the refi process in October of 2020 and it was lead on and on after being conditionally pre approved - signing documents - receiving paperwork. In January of 2021 I call Caliber and was dealing with an Alexis Finnely who said Novad had not sent them the documents - I email Novad and CC all the Calibers Loan Reps involved and Novad said the documents was sent back to Caliber in December. After going back and forward by phone and email in January of 2021 the day after I took Forbearance a Chelsea Geter call with joy to tell me my refi loan was approved but if I had taken the Forbearance this would disqualify me. Later found out Caliber was working with one of my debtors and they needed time to file a bogus lawsuit. I have never miss any payments with Caliber and they have foreclosed. SMH. Its more people involved in this. Not to mention it on my credit report as late.
Desired outcome: My health my time and I never miss a payment - I only participated in a Forberabce that you offer. We need to go to Mediation.
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LoisLane1963of Palmetto, US
Jun 20, 20225:15 am EDT
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Illegally refuses to drop pmi
Number one, by Federal law, Caliber is supposed to offer a DIRECT LINE to their "PMI" department, and they do NOT. Whenever I borrow another mortgage I will make SURE my note can NEVER be bought by Caliber. I am almost 50% LTV and have been trying since last October to get my PMI removed. 2 Years, never late, and made a $70,000 improvement, yada...
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TGozdor01of Bruce Township, US
Jun 01, 20221:14 pm EDT
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PMI - Removal (Brokers Opinion)
After 5 months of being told lies by Caliber Homes (Jan through May 2022), I cancelled my request to have PMI evaluated and dropped from my mortgage. I followed the process, submitted the required paperwork, and followed directions. I even paid 5-months ago and Caliber had no problem taking my money. Each time I called for follow-up, I was told I wa...
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Denise Dukesof Columbus, US
Apr 25, 20228:41 pm EDT
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Misplacing money
Every month I end up having to call to make a correction on my account. I right two checks every month, one for my monthly mortgage, one to go towards my
principa. The money that was strictly for the principal ends up being treated like I'm making a double house payment. So instead of the full amount going on the principal it gets spread out between principal, interest and escrow. I even fill out the coupon to explain what I want done, and I right on the check itself in two different places what I want done, and they still get it wrong. Once is a mistake, four times is intentional. I'm starting to think they just don't want me to pay my mortgage off!
Desired outcome: I would like to never have to call again for the same reasons. Do your job correctly!
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Stan Kingof Whiteville, US
Apr 27, 20222:18 pm EDT
Good Luck. These are the most devious people I have ever dealt with. We were having bill problems asked it we could skip a month and we were assured we could.
Sent payment in the next month they would not accept it sent it back. Kept doing this and foreclosed on us. I had to sell the family farm to pay them off. This was April of Last year have not received the title to my mobile home yet. Been trying for the last 3 months.
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WhitneyD00of Bakersfield, US
Apr 25, 20221:58 pm EDT
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Unprofessional company, incompetent employees
I have used Caliber 2 times. The first time I had no issues however this mortgage their ability to service the loan has been lackluster and frustrating.
I have had 3 incidences of incompetence handling what should be basic.
First: I filled out the paperwork and paid to have my PMI removed in January 2022. I paid them to have the home appraised, no action was ever taken. I recalled in February, March and April. Finally in April someone put in a note to have the issue escalated. I feel like everytime I call no employee takes ownership of solving the problem. This is the overall issue with this company and the employees are untrained about what other departments do.
Second issue: they were suppose to send payment from my escrow account to pay my home owners insurance, they supposedly did this in December 2021 and the check was never received by the insurance company, apparently this happened to multiple customers. I was left with no insurance and happened to have an open claim, therefore the insurance company refused to insure me because of Calibers mistake.
Lastly I called multiple times to find out about what to do moving forward if I have an open claim and no one able to insure me. Everytime I call I have been transferred to over 4 different departments, from home owners insurance department, to claims, back to payments and then to an underwriter. Uhhhhhh can I have a manager? No we don't have anyone available. Incompetence is all I can describe this company. I shouldn't be fearing my insurance or other bills not getting paid out of escrow because of their incompetence. I get its COVID times and people don't want to work but if you are servicing and charging interest and making money off me, you should be sure to be able to perform basic duties and tasks.
Overall their customer service is incompetent. Wish I could recommend this company but I can't. Avoid if possible.
Desired outcome: Contact me and resolve above issues.
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esstekof US
Nov 03, 202110:14 am EDT
Website for loan payment
Site has been down for nearly a week with no details on the home page as to when we can expect a fix so payments can be made online and access to loan info will be restored. Some actual customer service would be great by simply telling all concerned when issue will be fixed. Whether that info is on their website or in a mass email to customers... Not so far nothing and the hold time to call them is unacceptable unless you have nothing better to do than sit on the phone all day which those of us who actually work do not
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JeffDeb Forkinof US
Aug 30, 202111:28 am EDT
Remove lien
Good Morning,
I have been working on this issue for over a month now and it is interfering with us refinancing our house.
We filed bankruptcy 8/2011 and the second on our house was discharged. However, you guys never discharged it.
I have tried several times to get this cleared up with no success. The last I heard was it was sent to another department 2 weeks ago and I have not heard anything more and have no way to contact them.
Loan # [protected]
Debbie Forkin SS#[protected]
Jeffrey Forkin SS#[protected]
751 Dietz Ave NE, Keizer, OR 97303
Thank you for any assistance you can provide us,
Debbie Forkin
[protected]@gmail.com
Desired outcome: remove the lien
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valerie richof Apache Junction, US
Apr 24, 202111:09 am EDT
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Age discrimination in hiring process
I filed a complaint for age discrimination (hiring) with EEOC and TX Workforce Commission Civil Rights Division. I applied for employment with Caliber and they repeatedly "lost" my resume, claiming it must have gone to spam, even though I sent it in direct response to their inquiry, several ways. I finally got an interview and it was clear that I was the...
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Inspector777of Thonotosassa, Florida 33592, US
Nov 12, 20209:44 am EST
Website and app was changed and in non-functional
Michael Garmedian;
You handled my home loan refinance a few months ago loan # [protected]. Caliber changed both their app and their website recently and when I went to make my November payment I could log in but the app froze up not asking me log in again which happened over and over. I then went to the website on my laptop and logged in to my account. I found that my bank account, routing # was gone and observed the website looked different. The website wouldn't let me make a payment with my credit card or set up bank and routing # for automatic payment either. I called for help and the automated system said it couldn't match my phone # to a Liam in the system. I finally got through to a representative and he acknowledged Caliber had changed the website and app and other people were complaining about not being able to make a payment either.
I decided to write and mail a check to Caliber.
This was on 10/31/20. I mailed the check at the post office on Monday 11/2/20 and it has not hit my bank to date. It only takes 3 days mail service to go anywhere in the US so I'm getting worried that Caliber must have changed their mail intake procedure also.
This whole thing is ridiculous. I called customer service again yesterday and it didn't recognize my phone # same as last week. I finally got through to a representative and she verified my account info: loan #, address, phone #, etc. so it appears the phone interface / parking system is corrupt also.
When is this going to get fixed. I got a letter from UPC Insurance that they haven't received a payment so it appears that the escrow system is screwed up too. This is a mess. Will my homeowners insurance get cancelled, taxes are due too.
Please get back with me as soon as possible. This is the second message I've sent you concerning this problem and now I'm getting worried.
Regards,
Richard Santos
Sent from myMail for iOS
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M.W.013of US
Nov 30, 202012:03 pm EST
Something similar is happening to me now. I made my online payment on the 5th of Nov. later in the month I get a call saying I never paid. I looked and they had rejected it for "Insufficient Funds, " which was not the case. I was hit with fees and all. I attempted to pay again once this was brought to my attention and same thing on the 25th. I called and the automated system said I paid, but its still showing online that I was hit with another rejection and fee. My bank even hit me with fees for Caliber rejecting for "Insufficient Funds." I have records and everything showing the fund were available at all times. I just now got in touch with a customer service rep and expressed my concerns hoping they would fix it. she put me on hold and then hung up. So I have looked up a few things and noticed that Caliber had a class action lawsuit filed against them in New York back in late 2017 for violations of the Fair Debt Collection Practices act. Seeing as they are basically FORCING people to default on payments, Id say if there are still issues in the near future, everyone that has had this happen needs to get another class action lawsuit going. This company apparently doesn't care to try to fix any problems.
M.W
Texas
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Christian Roarkof US
Dec 24, 201912:09 pm EST
mortgage
We recently closed with Calibur on a refinance. We were scheduled to receive our money from the refi on December 23 as stated in the contract. I called our mortgage lender Nick who says the funds wer released but the bank may be holding the funds. I checked with my bank this morning and they have no funds pending. The 16k we were expecting was going to help finish our Christmas. We are not happy about this delay. We followed our part contract.
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VC5859of US
Mar 10, 20187:28 am EST
unethical behaviour
Your servicing company Caliber Home Loans is dishonest. This company is a nightmare. They use fraudulent tactics to take money and foreclose. They will send your checks back and get you so far behind on your payments that they foreclose. We paid a large sum of money to stop the foreclosure and set up electronic payments. Now they are saying our bank declined the payment and adding over $600 for late fees. We called the bank, they never submitted the payment to them. This company needs to be shut down!
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Dissatified Customer, Dayton, OHof US
Sep 27, 20203:56 pm EDT
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Caliber home loans was totally inept and clueless when processing our loan. so many errors were created by the processor and consultant, causing our closing to constantly be rescheduled and application expired (changed - address, tax and bank info, relatives info?, etc.). we had sent wire transfer of our closing funds and finally received this email "everything just came in. what is a good time to close? the title company doesn’t have 4pm available, so they’re going to be reaching out to everyone to pick an ideal time later this afternoon. caliber home loans, matthew r. edwards, loan consultant" I arrived first at the title co. and everyone was ready and waiting except caliber.
We never closed! our realtor notified us - the lender had cancelled.
We had canceled our rental lease and had shown the house. the movers were scheduled the very same weekend! luckily, the house had not been rented.
Our next loan co. fairway, was terrific - we closed on time.
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quita2157of US
Dec 02, 20152:52 pm EST
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Fraudulent fees and interest
I purchased a home in 1995 for 49, 000 and paid 5, 000 cash up front. C.I.T. financed it for 9.4900 percent for 20 years at 495.50 a month. They sold to Veriquest which is now Caliber Homes. My note was to pay off Nov. 15, 2015. Now they tell me that I owe them 18, 800.00 for intrest and fees on what they describe as misc. fees, but they can't tell me what...
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Reviewer39134
Oct 11, 20153:55 pm EDT
This procedure shouldn't take so much time
It was our second mortgage and we knew how to deal with the company Caliber Home [protected]@ns. We gave all details and told about our income, but after some communication with the agent, we found out that she knew nothing about the process. When we last time contacted them, the rep told us to wait for the phone call. Time went and we didn’t get the confirmation. It shouldn’t take some much time. They are unprofessional.
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Milo Pilaronof Corona del Mar, US
Sep 09, 20138:41 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
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Loan Servicing Loan Fraud
TO THE PEOPLE, FOR THE PEOPLE, AND WE AS THE PEOPLE:PLEASE TAKE NOTICE, that Vericrest Financial, hereinafter, also referred to as "Caliber Home Loans, Inc", is and was; and will be, one or the same DEBT BUYER SCAVENGERS. Regardless of how many times their front business name changes; they cannot change their true PATTERNS and ULTERIOR MOTIVES. Both...
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