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A consumer says that Caliber Home Loans Inc shares private information with third parties during its debt collection process in violation of federal law in a class action lawsuit filed Wednesday.
Lead plaintiff, Terry Tannenbaum, seeks to represent consumers nationwide in his class action lawsuit filed in Florida federal court. Tannenbaum says that Caliber Home Loans discloses private debt-related information to unauthorized third parties as a part of its debt collection process in violation of the Fair Debt Collection Practices Act (FDCPA).
Tannenbaum, a Florida resident, says that he was sent multiple debt collection letters from Caliber Home Loans over his past due mortgage. Tannenbaum says he noticed that the letters were not sent directly from Caliber Home Loans, but a third-party vendor.
The letters contained statements referring to debt collection, including a statement that Caliber disclosed information about the plaintiff’s debt to third parties, including account and payment information, and even personal information, such as his social security number.
In addition, Tannenbaum alleges that he received calls from another third-party vendor about his loan. He says that Caliber Home Loans also shared his information with this company.
The class action lawsuit alleges that sharing Tannenbaum and other consumers’ information with third parties puts Caliber Home Loans in violation of the FDCPA.
The FDCPA was enacted to protect consumers from “abusive debt collection practices.” In addition to prohibiting the use of deceptive and unfair debt collection practices by lenders, the FDCPA limits the information lenders can share about debtors.
“The harm Plaintiff alleges here—disclosure of private information of a personal, sensitive nature to third-party vendors—is precisely the type of abusive debt collection practice that the FDCPA was designed to prevent,” alleges the class action lawsuit.
Tannenbaum seeks to represent a nationwide Class of consumers who were sent a debt collection letter by Caliber Home Loans through a third-party vendor over the past year. The class action lawsuit wants to put a stop to the sharing of private information by Caliber Home Loans to third parties as part of its debt collection process. In addition, the plaintiff is seeking damages on behalf of the Class.
Have you received a debt collection letter from Caliber Home Loans? Are you concerned about the private information included in that letter? Tell us what you think in the comment section below!
The lead plaintiff is represented by Ryan S. Shipp of the Law Office of Ryan S. Shipp, PLLC, and Steven L. Woodrow of Woodrow & Peluso, LLC.
The Caliber Home Loans Debt Collection Letter Class Action Lawsuit is Tannenbaum v. Caliber Home Loans, Inc., Case No. 9:21-cv-80929-XXXX in the U.S. District Court for the Southern District of Florida.
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27 thoughts onCaliber Home Loans Debt Collection Practices Violate Federal Law, Claims Class Action Lawsuit
New to Fl, 2020 closed on mortgage with them.. It has been a nightmare. I too have tracked what and how they manipulated our payments, charged erroneous late fees when on autopay,claiming non receipt of payment, threatening debt collection letters when informed i had Covid issues,, surgery,, etc,, to no avail or help. Only packages received saying our options were to make sizable excess payments, or sign over a lien to Caliber. No payment plans were offered but all our payments had been made. They continually added late fees,, increased our payments now by an extra $200 per month with no explanation. It has nothing to do with escrow or late fees, it just changed. I do not believe a deed of trust can be manipulated this way.
We were informed that Fannie Mae had purchased our loan, so Caliber is acting as the debt collector. We have had no success in reaching them, they have reported us to credit bureaus for late pays until our credit is ruined. I will be happy to talk with you but I may not want to join a class action suit. I want a lot more than a settlement I want the whole amount they took from me and I want to litterly put them and the other companies that were part of the conspiracy out of business. Their are laws that they broke, I have all my records in order and ready to sue them separately. Feel free to contact us for further info. They are disgusting crooks.
They received my loan from a prior lender for my TN home while I made payments to the previous lender and 4 years before they got the loan I had provided my previous lender a new billing address since we were military on orders in VA. They sent the welcome letter and statements to my old billing address that I hadn’t been at for 4 yrs. I then fell in hardship since my husband became a disabled veteran in combat and awaited approval and payment through the VA. While in forbearance with the previous lender having NO idea they had my loan now they started foreclosure procedures. They changed my locks while i was having cancer treatments in another state & in a modification review and making trial payments. Never got back in my home but I did the 3 trial mod payments and they never sent the final mod contract so I couldn’t sign and they foreclosed two months later. They gained profit for the sale which they owe me and it’s been two years and now they have NO history of my account. They never sent documents before or after the foreclosure or how I could get my belongings. They got everything I owned in the home because I didn’t have access for over 6 months before the sale. They are scam artists. Ive been calling and writing for two years and only get transferred to different reps and hung up on. They owe me $60k!!! And are guilty of dual tracking (cont foreclosure while in mod review which they purposely delayed).