Consumer complaint received 2016-11-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

" Debt Collector '' XXXX XXXX, Vice President, Customer Support and Escalations Caliber Home Loans , Inc.XXXX XXXX , OK XXXX Please respond to the below with specificity and particularity within five ( 5 ) calendar days of receipt of this letter, as time is of the essence, due to your negligent reckless behavior. 
Re : XXXX XXXX / CALIBER HOME LOANS, Hereinafter " Debt Collector '' Re : Alleged Account Number : Loan XXXX : NOT A VAILD DEBT Alleged Foreclosure Date : XXXX XXXX, XXXX Unique Real Property Address : XXXX XXXX, Az. XXXX Notice : Consumer here by demands that Debt Collector, CALIBER HOME LOANS and its agents, immediately Cease and Desist any and all Foreclosure actions. 
CALIBER HOME LOANS and its agents are purposely obfuscating facts to the consumer of who is the real creditor and avoided important accounting issues. Sending hearsay unsubstantiated accounting of false and forged documentation is a serious violation of the FDCPA. Also Violations of XXXX Plain Writing Act. 
As a matter of record and fact, the consumer, acting in good faith repeatedly has brought to your attention that there are numerous fabrications, misrepresentations and violations to address in " Debt Collector '' CALIBER HOME LOANS, and its agents ', non-response communications. 
As a debt collector, your actions have been and are a violation of 15 USC 1692 and you are liable for each and every violation. Pursuant to the FDCPA and state and federal consumer protection laws, be advised that I, the consumer, have the " right of private action '' and can seek protection and enforcement within an Article XXXX court of competent jurisdiction. Your wanton violations of the FDCPA signify that you accept the full " Moral Hazard '' of your continued malicious and willful ignorance and by your actions, you personally can no longer claim " plausible deniability '' of the intentional and irreparable harm created. " Debt Collector '' CALIBER HOME LOANS and its agents refuse to or is unable to provide a sufficient legal basis for its illegal intrusion into my credit file, erroneous credit reporting, misleading accounting, dunning letters demanding payment, Non Judicial Foreclosure and all other violations. Exercising my right to private action, I will bring suit against you, personally, and your agency for violations of federal and state consumer protection laws. Therefore, this notice can be construed as a Notice of Intent to bring such action, as your non-response does not support a legal debt " owed '' to your agency. 
Debt Collector, Caliber Home Loans Inc. and its agents, threaten the consumer in an attempt to unlawfully take possession of ( i.e., '' steal ) Unique Real Property from me, the consumer, by filing on XXXX XXXX, XXXX false and/or forged documents in a public office to establish legal ownership and clouding the title ; this is a clear violation of Arizona A.R.S. 39-161, and other laws, which prohibits any unlawful proceeding against the consumer to garner the false presumption that Debt Collector has standing to foreclose. 
At all relevant times, " Debt Collector '' CALIBER HOME LOANS and its agents committed the acts, caused or directed others to commit the acts, or permitted others to commit the acts alleged in this matter. Any allegations about the acts of the Corporations means that those acts were committed through their officers, directors, employees, agents, and/or representatives while those individuals were acting within the actual or implied scope of their authority. 
15 USC 1692d 806, Debt Collector, Caliber Home Loans Inc. and its agents, have continuously trespassed, harassed and abused me, the consumer, and are liable for each and every count. Additionally, Debt Collector is in violation of 15 USC 1692e 807, as it has made and continues to make false and misleading representations in its communications to me.