Consumer complaint received 2022-11-12
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint, XXXX and XXXX to Caliber Home Loan, inc and servicer XXXX XXXX XXXX who conducted escrow reviews for my property All questions below are based on my research and official responses from HUDXXXX XXXX who has no records about Calibers servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used Calibers letterheads On XX/XX/XXXX my alleged Lender XXXXXXXX XXXX XXXX XXXX transferred allonge to my Note to Caliber Home Loan Caliber On XX/XX/XXXX law firm XXXXXXXX XXXX XXXXXXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to Caliber, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale. 

Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, Caliber claims to be a Holder in due course for my note because Caliber paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX  informing me about transfer of servicing to Caliber Please explain who authorizedXXXX XXXX XXXX  to send me this letter of servicing transfer During all time in question ( XXXX XXXX XXXX ) all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please explain why XXXX XXXX collected my payments if Caliber claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX. 

Please explain why XXXX paid my property taxes if Caliber claims to be a servicer. Please disclose who authorized XXXX to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX XXXX Please explain why XXXXXXXX XXXX XXXX conducted escrow reviews for my account if Caliber claims to be a servicer Please disclose the name of individual at Caluber who was responsible for escrow reviews and who authorized XXXX XXXX XXXX to conduct these reviews I reserve my right to request more disclosures after Caliber and XXXX respond to my XXXX

Company response to consumer: Closed with explanation