Consumer complaint received 2020-02-13
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I am a resident of Pennsylvania. I am the late XXXX XXXX 's son and Financial and Assets Power of Attorney. XXXX XXXX passed away on Friday, XX/XX/XXXX. XXXX XXXX went from her Florida condo to living in a XXXX XXXX to the hospital, twice ; and, to a XXXX XXXX and XXXX within 11 months from XX/XX/XXXX to XX/XX/XXXX. 
XXXX XXXX 's Florida condo was possessed by her condo association via a Deed in Lieu of Foreclosure in XX/XX/XXXX due to missing condo fee payments for over a year. 
During the period between XX/XX/XXXX and XX/XX/XXXX, I verbally, and in writing, maintained contact with XXXX, her first mortgage and service company, emphatically advising them to foreclose on the condo immediately as I, and my brothers, do not have any financial, personal, or other interest in the condo. We are not on the condo mortgage and deed. 
XXXX sold the loan internally to XXXX XXXX during said period of time. I restated the same comments to XXXX XXXX as I did to XXXX, verbally and in writing. 
XXXX XXXX sold the mortgage in XX/XX/XXXX to Caliber Home Loans , Inc. and XXXX XXXX  XXXX XXXX, XXXX as a third party creditor of the loan, with XXXX XXXX being maintained as servicing the mortgage. 
Caliber began contacting me both in writing and by phone calls to advise XXXX XXXX ( actually, me, at my home address ) they hold the mortgage note and are moving to collect on it. 
I contacted Caliber on several occasions during XX/XX/XXXX to advise them by recorded call that XXXX XXXX is deceased and to terminate the mortgage. 
Adding to the mix is that on XX/XX/XXXX, XXXX d/b/a XXXX XXXX filed a Complaint in Foreclosure against XXXX XXXX, the condo association, family members of XXXX XXXX, including myself, and unbeknownst people to XXXX d/b/a XXXX XXXX that may or may not have an interest in the condo. 
That Complaint was Voluntarily Dismissed without Prejudice on XX/XX/XXXX. 
XXXX, d/b/a XXXX XXXX, Caliber and XXXX XXXX   XXXX XXXX, XXXX, all are using my name and information as part of their effort to collect the debt of the late XXXX XXXX. 
XXXX, d/b/a XXXX XXXX, Caliber and XXXX XXXX   XXXX XXXX, XXXX, all are using my name and information in such manner as to affect my credit and credit score, and with certainty other important aspects of my personal and professional life, even though I do not have personal and financial interest in XXXX XXXX 's condo and mortgage. 
XXXX, d/b/a XXXX  XXXX, Caliber and XXXX XXXX   XXXX XXXX, XXXX, all are using my name and information to move forward with the mortgage that even while the mortgage is not being paid by the late XXXX XXXX and me, the holding of the mortgage will eventually lead to another Complaint in Foreclosure at any given point in time by XXXX, d/b/a XXXX XXXXXXXX, Caliber and XXXX XXXX   XXXX XXXX, XXXX, that will affect my credit and credit score, and with certainty other important aspects of my personal and  professional life. 
And, finally, XXXX, d/b/a XXXX XXXX, XXXX and XXXX XXXX  XXXX XXXX, XXXX, may eventually resell the mortgage to another party at any given time, thus creating another repetition of the cycle as described above. 
This must stop, now. 
Thank you. 


XXXX XXXX

Company response to consumer: Closed with explanation