Consumer complaint received 2017-03-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

In XX/XX/XXXX XXXX was undersigned beneficiary of my mortgage loan, XXXX initiated foreclosure XX/XX/XXXX, quality loan services was assigned/appointed to handle foreclosure process on XX/XX/XXXX. Trustee sale was scheduled for XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX that my mortgage loan had been sold to them, effective XX/XX/XXXX. In summarizing loan assumed they listed acct. no. XXXX, which is not the acct no. that matches that loan. Listed mailing address is c/o caliber homes loans inc. XXXX XXXX OK, XXXX. No assignments are recorded. On XX/XX/XXXX a recorded assignment-Washington assignment of deed of trust XXXX f/k/a XXXX [ assignor ] transfers, grants to XXXX trustee for XXXX [ assignee ] .The notary is clearly fraudulent, notary dated XX/XX/XXXX. XXXX continued foreclosure process, foreclosure postponed 3 times until XX/XX/XXXX. Advertising was done only for original auction date. In XXXX property was puchased that had 2 separate tax parcels. In XXXX I noticed XXXX and XXXX had not been paid. [ XXXX I refinanced ] I paid these years and continued to do so to present. XXXX and previous lenders/servicers had been informed of tax issue without resolve.I was behind in taxes for this parcel, the co treasurer sent a foreclosure warning in XX/XX/XXXX at which time I corrected to keep from foreclosure. On XX/XX/XXXX I paid taxes for my parcel XXXX and later noticed co billing didnt seem right, on co taxsifter indicated parcel XXXX had been paid by XXXX for years XXXX, XXXX and XXXX. I had received no delinquency notice from the county. The deed from XXXX [ XXXX ] lacked property description for XXXX. Essentially lenders/servicers had no evidence of this parcel existing. I called XXXX and they informed me that caliber had owned the loan since XXXX. Please reference complaint/case no XXXX re XXXX loan XXXX. The XXXX rep said taxes had been paid directly to the county on XX/XX/XXXX by XXXX, and that parcel XXXX had also been added to the loan at that time. She also said the county had notified caliber that the taxes were delinquent, that the property was an REO XX/XX/XXXX.Rep quoted loan no XXXX which is loan no ive had for many years, she also quoted the other loan no. The loan number caliber assigned on XX/XX/XXXX XXXX is interesting as the first 5 numbers is zip code of previous residence and the last 5 are the same as XXXX/ XXXX XXXX zip. The entire foreclosure process from XXXX to present is completely unclear to me and have been unable to get information from anyone. Caliber sent me a XXXX in which the XXXX is listed as the auction purchase price. The property was not abandoned, I am unclearand dont know of any acquisitions. Apparently caliber was the foreclosing bank on XX/XX/XXXX. The REET affidavit is signed by calibers grantees agent XXXX who can not be identified as an agent of caliber. XXXX as agent for quality can not be correctly identified as well. The filling out of the REET is also questionable as it apperars to have been altered. Co treasurer says the payor listed as XXXX stands for XXXX, of which I may have evidence of altering after the refi loan was signed in XXXX. XXXX also signed the trustees deed upon sale. Caliber did not assign quality to continue foreclosure, quality did not act in good faith in assuring the actual holder of deed/note. Niether XXXX or caliber can provide adequate proof of possessing the deed. Assignments from XXXX are conflicting and contain well known robosigners in XXXX assignment. The XXXX foreclosing note referenced is also signed by a robosigner, in which the name is spelled wrong. The loan is not a XXXX as indicated in previous refi 's