Consumer complaint received 2015-09-29
Company: Caliber Home Loans, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
There is a mortgage on my property, I am an owner on the property but am not the morgatgee. Several years ago we began having problems with the company servicing the loan on my property, XXXX XXXX. They were collecting escrow accounts on money that was not owed, the property was property tax exempt at the time but despite almost a year of paper work and meeting the problem continued. They also often held payments made to the branch on time for several days before processing as to incure late fees and overages. A short time after my mothers ex-husband filed for his own personal bankruptcy the bank would no longer accept payments on the mortgage nor provide any statements, written or verbal, as to the amount for the monthly payment that the mortgage had change to. Over several more months, everytime I went to any of the existing branches in my area, no one at the bank up to and including the manager could do anything but tell me to contact the escalations department in XXXX FL, as the account was locked from normal operations. The only contact at that number was a rude and completely dismissive customer service rep named XXXX, who in several months was the only person that would talk to me, never elevating my call to a higher level and demanding that the mortgage be paid, while simultaneously and repeatedly telling me that he would and could not give me the amount of the bill or where it was to be paid, only saying it had to go to XXXX bet he could not state where because that would be an effort to collect a debt. This continued for months and months, until notices came. No amount of calling or letter writing found anyone within the company to straighten out the no-mans land of lending we were in. At that time XXXX XXXX was dissolved and sold off to other banks, apparently first XXXX XXXX XXXX and then several other secondary companies. I do not know who holds the mortgage on my property at this point. 
I am writing this because a foreclosure action was just apparently signed on my property and at no point in time with these hearings or plaintiff shifts was I notified or served. An order of sale is scheduled for later in XXXX and I was never included in any of the proceedings despite my rights and interests in the real property being debated. My rights to due process have been utterly ignored and no consideration, communication or reparation have be offered at all. There is no way it can be legal to force the sale of my property while never giving me an opportunity to defend my legal and financial interests and this is a gross XXXX. 
Not only is my property being taken from me without due process, but the forclosure action included foreclosing on property that WAS NOT PART OF THE MORTGAGE at all! This is tantamount to theft! 
My mothers ex-husband was never on the XXXX property, which is deeded and taxed completely separately, and could never have secured a mortgage on it in the first place as he was never a property owner. I have a right to be represented properly, notified, and not subjected to the whims of a kangaroo court style denial of my rights. This situation needs addressing IMMEDIATELY, as a foreclosure sale is imminent on my family home of the last 30 years and denying me the rights to my legal and constitutional rights is an insult to this country and the legal system it was founded on as much as it is an injury to me mentally, emotionally, financially and civilly.

Company response to consumer: Closed with explanation