Consumer complaint received 2023-02-09
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
QWR and DVR and Notice of Legal Hold On XX/XX/XXXX I entered into a securities transaction with undisclosed to me XXXX XXXX who was acting via chain of XXXX XXXX XXXX, XXXX ( originator whom pretender XXXX XXXX XXXX XXXX XXXXXXXX passed my information ) and XXXX XXXX XXXX  XXXX XXXX Caliber Loans Inc. 
None of these parties were disclosed to me in RESPA settlement which was forged to cover time when I signed it During the closing I received information about {$130000.00} and Deed for the property. I was confident that XXXX XXXX received these money from XXXX and forwarded them to property XXXX XXXX lender as a payment on my behalf. 
So, I signed a Promissory Note to XXXX and Mortgage to allow XXXX access to my property. 
As I later learned, neither XXXX XXXX of XXXX XXXX XXXX can not provide me any proof of any funding from XXXX or anyone else. 
On XX/XX/XXXX I received a letter from XXXX company informing me that servicing rights were transferred from XXXX ( whose loan number was listed as XXXX to Caliber whose loan was listed as XXXX. 
As I alter learned, someone prepared an Alloge to my Note which was titled to Caliber, However, Caliber is a fictitious corporation created from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of which are XXXX as Caliber in my transaction : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX who used Calibers  name on the letterheads to create appearance that my loan is serviced by Caliber. 
Caliber did not do anything as a Servicer at all. Servicing activities were performed by XXXX, who sent me billing statements, XXXX XXXX XXXX ( owned by XXXX XXXX XXXX XXXX, branch of XXXX XXXX ) who collected and processed my money into account with XXXX XXXX XXXXXXXX held by unknown to me parties. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that servicing of my alleged loan was transferred from XXXX XXXX XXXX, XXXX dba Caliber to another hedge fund, likely XXXX, XXXX who was XXXX via XXXX XXXX XXXX, XXXX, a single member XXXX XXXX XXXX wholly owned by another single member XXXX XXXX XXXX Mortgage Co XXXX XXXX ( owned by XXXX XXXX ) who purportedly purchased my alleged loan from undisclosed to me parties, but implied from XXXX XXXX XXXX, XXXX dba Caliber. 
During all time in question I tried to validate this debt by QWR and DVR without any accord. XXXX companies hired by XXXX XXXX sent me numerous absurd runaroudns acting as XXXX. XXXX companies hired by XXXX XXXX sent me contradicting with XXXX runarounds. 
XXXX, whom XXXX XXXX and XXXX rock are servicing under Caliber and XXXX names have no records about my transaction at all. 
On XX/XX/XXXX XXXX died, thus XXXX XXXX XXXX, XXXX is not a single dead member XXXX. 
Yet, on XX/XX/XXXX dead XXXX XXXX managed to hire XXXX lawyer XXXX XXXX who submitted XXXX XXXX in XXXX XXXX XXXXXXXX demanding from me payments to XXXX XXXX in the amount of {$140000.00} XXXX dont know how lawyer Cook XXXX to deliver my money to XXXX XXXX XXXX I hope directly, but I have objections to this False Claim specially since Caliber ( now owned by XXXX XXXX XXXX XXXX on XX/XX/XXXX sent me a letter stating that the owner of my alleged loan is XXXX. 

XXXX, who deny any knowledge about my transaction, sent me Form XXXX evidencing that someone pooled my alleged loan with XXXX XXXX while XXXX claimed to be a servicer for pool XXXX. As the result I am forced to proceed with Adversary complaint and demand ALL parties specially XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX, Caliber and XXXX to place legal hold and preserve ALL documents related to my transaction. 
All administrative remedies have been exhausted. None of the defendants have answered statutory letters demanding the disclosure of the location and status of an implied ( but never stated ) unpaid loan receivable account or the owner of such account. 
If that account exists and the owner is disclosed and affirms that it is making the claim, then XXXX concedes that judgment should be entered for the Defendants. But if the account does not exist and the defendants can not provide corroboration for their claim that they are owed money due to a breach by thXXXX XXXX of a promise to pay them, then the court should issue a declaration regarding the ownership of the subject recorded XXXX, an injunction prohibiting the defendants from asserting claims, an injunction requiring the defendants to withdraw and correct prior notices and filings regarding the alleged default or breach by the XXXX and damages in the form of disgorgement of money received by them contrary to law plus statutory damages, and common law tort damages as set forth below together with interest, attorney fees ( according to statute ) and court costs.

Company response to consumer: Closed with explanation