Consumer complaint received 2023-01-20
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:
Complaint, XXXX and XXXX to XXXX XXXX XXXX XXXX XXXX, and Caliber Home Loan , Inc. 
On XXXX XXXX XXXX  a XXXX XXXX filed fraudulent Claim in my Bankruptcy case where this XXXX XXXX claimed that XXXX XXXX XXXX, XXXX is my CREDITOR and a Servicer for unknown to me parties. No other parties were included, so it appears that XXXX claims to be my original Creditor, which is a lie. 
In support to the Claim this XXXX company submitted forged and fatally defective Assignment prepared under name of XXXX, acting as agent for long-defunct XXXX XXXX  and recorded in XXXX XXXX in violation of all applicable laws, particularly XXXX XXXX XXXX ( 1 ) ( d ) which requires EACH party to list its full mailing address for each conveyance of an instrument encumbering real estate. 
Thus, this Assignment is legally invalid and void ab initio, since XXXX XXXX has no right to transfer anything to anyone because on XX/XX/XXXX neither XXXX or XXXX were not owners of my alleged debt ; and this Assignment and Mortgage were recorded in violation of all applicable laws and were legally invalid.. 
Additional fake documents were two Allonges to the copy of my non- endorsed Note, one prepared by unknown to me parties to Caliber Home Loan , Inc. dated XX/XX/XXXX, which was my Closing day. 
Second, undated XXXX stated Without Recourse pay to the order of and robo-stamped by XXXX XXXX XXXX 
According to this XXXX, it related to Calibers loan XXXX. 
However, 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 XXXX XXXX. See letter attached. 

During all time in question Caliber claimed that their loan account serviced by Caliber is XXXX. 
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? 

On XXXX XXXX XXXX  Caliber claimed that the CURRENT owner of my alleged loan is XXXX, who is not even mentioned in the Bankruptcy Claim filed by XXXX company acting as XXXX Therefore, XXXX is NOT my Creditor and can not claim any ownership rights based on undated XXXX  where Caliber obviously had no right to transfer loan XXXX if it did not belonged to them and here is no evidence that my Mortgage was ever assigned to Caliber ; and on fatally defective under the law and forged Assignment by XXXX, which since XX/XX/XXXX is XXXX XXXX, XXXX, and was not an agent to XXXX. 

XXXX is not the Servicer either. This is another lie. All Servicing activities are preformed by other XXXX companies who send me billing statements, ( XXXX ), collect my money from po box es rented by XXXX, ( XXXX ) ; pay my property taxes ( XXXX  ) ; return refund money to XXXX XXXXXXXX XXXX ; pay home Insurance ( XXXX XXXX ) ; declare me in default ( XXXXXXXX XXXX XXXX XXXX, XXXX ) As such, verification of ownership is mandatory. One company tells me that the Owner is XXXX ; and another Caliber whose name appeared on XXXX transferring loan XXXX which did not belong to Caliber claimed that the current owner is XXXX. 

I demand explanations why Caliber prepared an XXXX to my Note for a loan XXXX which does not belong to Caliber. 

I demand a written Warranty of ownership of my alleged debt, wet-ink signed by an individual employee of my Creditor, not a Servicer or a lawyer ; and a copy of the ledger the account receivable due from me, with clear reference to me and to my property, coming from the books and records of my CREDITOR. 

I demand explanations where is my original Note is currently held, the name of the custodian ; and when and where I can personally inspect my Note.

Company response to consumer: Closed with explanation