Consumer complaint received 2016-06-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WA)

In XXXX I purchased property that included 2 parcels for one lump sum, parcel A & B which have their own legal descriptions, has 2 separate tax payments and is apparently considered combined property. The following recordings is what the county auditor provided me with in approx XXXX of this year as a result of my inquiry to their action of intent to foreclose notice to me on parcel B. They also said that the property is considered combined and just one parcel could not be sold indep. from one or the other but no explanation of how they would be entitled to foreclose B on me. List begins with : XXXX I am listed as grantor with XXXX listed grantee of deed of trust. Refinance with XXXX in XXXX. XXXX XXXX XXXX is grantor and deed assigned to XXXX, XXXX XXXX XXXX is grantor and XXXX assigned. XXXX XXXX XXXX grantor appointment to XXXX. Prior to XXXX both parcel tax pyments where made by lender/assigned servicer. In XXXX after refi with XXXX I assumed making the tax payments on parcel B. I believe as a result of the fact that parcel B was omitted from the legal description on the deed which I just recently came to know. In XXXX I refinanced with XXXX, in XXXX I got a loan modification from them under HAMP. In XXXX of XXXX I stopped making payments due to XXXX. I received notice of default XXXX XXXX, notice of trustee sale, [ auction scheduled XXXX XXXX XXXX ] XX/XX/XXXX from XXXX. Received notice of purchase of loan from XXXX master particp. trust early XXXX. Notice from XXXX that the servicer of loan assigned to Caliber end of XXXX [? ] but I believe no mention that loan had been sold. Since I refinanced my loan and received a loan modification with XXXX in XXXX and XXXX I assumed they would have been the holder of the title. But recording shows nothing about XXXX until XXXX? Several mortgage transactions have occurred since XXXX. With title searches assumed to have been done in these various transactions, the mistake of parcel B missing from orginal note not caught? Additionally, the county has my well as being on parcel A, it is located on B. The appraiser/assessor office shows pictures of parcel B in parcel A assessment. No pictures are provided of B. A comment is made on assessment of B that says no site charged, combined property, this comment could not be explained as to meaning. I apparently own parcel B free and clear as evidenced by it not being included on XXXX deed. Servicers had been notified that prior to XXXX both parcel taxes had been paid by myself. Due to the confusion I simply assumed tax payments of this parcel, not really knowing exactly why this occurred, and that they were cheap anyway. I believe the title is clouded or defective? I believe that XXXX master participation and assigned caliber home loans have no right to pursue foreclosure under quality 's initiated paperwork. I believe that my loan may have been a result of robosigning some where along the line. Included in my XXXX refi paperwork is a XXXX XXXX is signed on the pay to the order without recourse ameriquest [ along with [ XXXX ] which is apparently the incorrect spelling of her name identified in a XXXX investigation