Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
FIRST, the phone number to contact Caliber Home Loans has been programmed not to accept my phone calls. The phone number submitted in all of their correspondence to contact them is ( XXXX ) XXXX number goes to a fast busy every time I call. XXXX XXXX XXXX XXXX XXXX XXXX. Trustee for XXXX XXXX XXXX XXXX and Caliber Home Loans, violated their 2015 Class Action Settlement Agreement with me as a protected member of that settlement action. Those entities sued me for an expedited foreclosure in XX/XX/XXXX knowing that I was exempt from any litigation from them. XXXX XXXX XXXX XXXX XXXX. states that Caliber Home Loans , Inc. is the owner of the Trust, not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, representative, XXXX XXXX, stated that they were acting on Caliber Home Loans, behalf not XXXX XXXX. Caliber sent the attached letter stating that XXXX XXXX XXXX XXXX XXXXXXXX. owned XXXX XXXX Caliber Home Loans, Inc. filed fraudulent security instruments with the XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Those instruments were fraudulent because the Attorney in Fact were not legally authorized to sign them. In order for them to sign, they must have a Power of Attorney by the XXXX XXXX and/or XXXX XXXX . The next reason is because XXXX Master XXXX XXXX is not registered with the Texas XXXX of XXXX. Per the SOS, unregistered entities can not do business and/or litigate in the State of Texas. Caliber ; and violated the Texas Government Code Sec. 51.901 statutes by filing fraudulent document or Instrument. Caliber knowingly and intentionally signed those fraudulent security instruments to transfer thousands of Texas homes, which they did not legally own, to XXXX XXXX XXXX XXXX in order to launder money in which they received from those transfers activities. Caliber Home Loans, Inc. and the investment vehicle, XXXX XXXX XXXX XXXX is owned by XXXX XXXX. XXXX XXXX entities knowingly and intentionally committed Frauds to assume ownership of real estate illegally. The entity then registered the transactions in XXXX and XX/XX/XXXX ( the same months XXXX XXXX sold/settled the open real estate accounts then closed the real estate division ) into a Private Equity, Pooled Investment Fund that recorded closed activity for 12 months under the SEC Investment named XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX. In XXXX, a Class Action Lawsuit ( attached ) was filed againsXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX and Caliber Home Loans, Case 2:14-cv-05233-SRC-CLW ( New Jersey ) with five causes of action. The actions resulted from 3 letters sent in the beginning of 2014, which I received, that violated Federal Regulations. They included RESPA Rule 12 U.S.C. 2605, FDCPA Rule 15 U.S.C. 1692K, as well as TILA and FCRA violations. My HELOC was owned by XXXX XXXX which was included in the XXXX XXXX, XXXX XXXX XXXX, XXXX Adjudication Agreement for Money Laundering. I invoked my homestead protection instrument to protect my home from sale and/or seizure in XX/XX/XXXX. XXXX XXXX XXXX has stated that they did not sell my property to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and Caliber have committed constructive fraud by non-disclosure of those contracts that would prove a legal transfer existed between XXXX XXXX and XXXX XXXX. Dozens of requests have been made and Caliber withhold the regulated disclosures, which is confirmed in the Class Action Lawsuit. Caliber continues to commit fraud, especially constructive fraud, by illegally and fraudulently transferring the ownership to XXXX XXXX XXXX XXXX in XX/XX/XXXX so they could file a frivolous lawsuit against me and others for Expedited Foreclosure which had no legal standing. I sold my property on XX/XX/XXXX due to the Scam in this Rescue/Foreclosure/Fraud Scam. The Title Attorney and Buyer conspired and actually committed a fraudulent closing which there was no funding. She deducted over {$190000.00} from the proceeds illegally per the HUD Settlement Statement. Caliber and the Title Attorney refused to submit a copy of the check or wire which verifies that the XX/XX/XXXX closing paid the disputed loan off. The Attorney for XXXX XXXX XXXX XXXX and Caliber Home Loans sent an email to me that a Short Sale had been processed on my property. The ledger of activity I received from Caliber in XX/XX/XXXX did not tie into any contract and interest rate. I am a XXXX XXXX who managed XXXX XXXX for over 20 years. The ledger activity does not tie into what XXXX sent to me in XXXX which shows a XXXX balance. On XX/XX/XXXX, Caliber accepted a check and/or wire from Title Attorney XXXX. It was for a closing on that date on XX/XX/XXXX. Instead, the Title Attorney flipped the closing by using the Buyer of my property as the seller to another person XXXX XXXX of Home Perspectives, 5 days after my closing. I do not have evidence of XXXX 's purchase price from the XXXX ( my buyer ), which embezzlement of funds are likely by misleading me on a material fact of the fake XX/XX/XXXX closing. Deceptive practices continued because the XX/XX/XXXX sale was not filed with the XXXX XXXX XXXX XXXX until XX/XX/XXXX and was illegal since there was no funding. The Title Attorney held the XX/XX/XXXX closing instrument from being filed until XX/XX/XXXX. This is known as Real Estate Fraud and Foreclosure/Rescue Scheme .

Company response to consumer: Closed with explanation