Consumer complaint received 2023-02-01
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:
On XX/XX/XXXX I entered in a securities transaction with undisclosed to me investment bank ( masqueraded as a home loan with XXXX XXXX XXXX XXXX ). 
On XX/XX/XXXX XXXX provided me forged and incomplete RESPA disclosures where none of the real parties were disclosed to me. 
I did not know about real nature and real parties in my transaction and signed a Promissory Note promising payments to XXXX ( who I assumed loaned me real money from their own funds ) and Mortgage as a security for my repayments to XXXX. 

I had no idea that I was induced to become an Issuer in a securities scheme operated by one of Investment Banks, likely XXXX XXXX, instead of that appeared to be a borrower in a loan agreement. Thus, my transaction was fraudulent and void from the beginning As I later learned, one of the actual parties involved in my transaction before closing was Caliber Home Loans , Inc whose name was on Commitment letter dated XX/XX/XXXX. Caliber is owned by XXXX XXXX XXXX, a hedge fund who is closely connected to major investment banks as their real " debt collector '' who are acting under names of fictitious " servicers '' and transfer my money offshore, likely to XXXX, via complex chain of fintech companies who do all servicing activities. 
I also learned that someone transferred XXXX to my Note to Caliber on my closing day, thus Caliber theoretically became the holder of the Note and the owner of this alleged debt from XX/XX/XXXX. Caliber confirmed that they are Note holder, thus alleged " owner '' of the debt. 
Caliber must answer this question : was a loan account created when we closed the transaction? If yes, WHO created this loan account receivable? 
According to XX/XX/XXXX Welcome Letter from XXXX XXXX XXXX XXXX XXXX XXXX ( acting as Caliber ), loan XXXX belonged to PRIOR Servicer, who in this letter was named XXXXXXXX XXXX. See letter attached. During all time in question Caliber claimed that their loan account serviced by Caliber is XXXX. 
On XX/XX/XXXX lawyer XXXX forwarded to me another XXXX where Caliber transferred loan XXXX to someone without recourse. 
Please state who prepared this XXXX ; the date when this XXXX was prepared and signed ; and to WHOM it was transferred without recourse. 
According to XX/XX/XXXX letter from Caliber, the current owner of my loan is XXXX. 
According to XXXX letters of XX/XX/XXXX and XX/XX/XXXX XXXX has absolutely no records about my transaction with XXXX or any involvement by Caliber or XXXX 
According to XXXX XXXX XXXX XXXX, acting as Trustee for XXXX, they have no records about my loan in XXXX pooled securities. 
So, its unclear why Caliber transfer a loan which did not belonged to them ; and to WHOM undated XXXX directed payments without recourse? When and where this XXXX was prepared and signed? 
I am not challenging the Assignment of Mortgage from non-existing XXXX XXXX via XXXX XXXX XXXX XXXX to a fictitious corporation XXXX XXXX XXXX XXXX XXXX owned by hedge fund XXXX XXXX XXXX ( who owned by XXXX XXXX XXXX XXXX XXXX, XXXX ) I am challenging the existence of this transaction in the real life. My Note has provision that it can be sold or parts of it can be sold. 
I am entitled to have evidence of the actual SALES, such as copy of the real PAYMENT for my loan, such as wire transfer receipt, ACH, cancelled check and a copy of accounting ledger which can proof of such payment

Company response to consumer: Closed with explanation