We feel it addresses the same concerns expressed in your complaint however, to provide further clarification we are providing the following information. In reviewing your complaint, we determined we have received a similar complaint in our office on Jand Caliber responded to the complaint on June 6,2023. We appreciate the opportunity to address your concerns. In your correspondence, you stated that you need help to access the loan and our phone number provided below is incorrect. (Caliber), provides this response from the ***** ********** of ******* and Mortgage Lending inquiry received on June 6,2023, direct inquiry received on Jand the Better Business Bureau on June 12, 2023. We value them as customers and appreciate their patience as we make strides to provide them with a superior customer experience. We extend our sincere apologies for the inconvenience and frustration Mr. and ****************** credit reporting continues to reflect delinquent to the credit reporting agencies (CRA) to reflect the corrections, they will need to file a dispute directly with the specific CRA. Please allow 4-6 weeks for the credit reporting agencies (CRA) to reflect the corrections, made by Caliber. Please be advised, Caliber has removed the negative credit reporting by removing the tradeline from Mr. We appreciate the opportunity to address Mr. In their correspondence, they are requesting Caliber to remove the late payments reported to the credit bureaus for the November 2017 and December 2017 installments. Should ************************** have any additional questions or concerns regarding the loan, we encourage her to contact our *************************** at **************.Įnclosure(s) Loan payment history and escrow analysis from January and August 2023.Ĭaliber Home Loans, Inc. Included on her loan payment history and escrow analysis is a breakdown of how much of her monthly payment is applied to her escrow and the anticipated disbursements from her escrow. ************************** should contact her tax authority or insurance agency regarding any questions about the amounts of her escrowed items. ************ tax amounts or insurance premiums, and her monthly payment can fluctuate based on the disbursements from the escrow account. However, on August 11,2023, Caliber generated an updated escrow analysis and a surplus of $1,410.90 was found which lowered the base escrow payment from $808.84 to $607.30 resulting in the monthly payment decreasing to $1,804.68 effective September 1,2023. While there was a calculated surplus on her escrow analysis generated on January 27, 2023, the base escrow payment had increased. ************ escrow account monthly payment is based upon disbursement projections for the next year using what we paid out the previous year. ************ correspondence, she stated Caliber increased her monthly payment while her insurance did not increase.
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