Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I 've been in a battle with XXXX different mortgage companies who have claimed to be the owner and/or servicer of the note on my home. Originally, XXXX claimed to own both the note and the deed on our home, but after repeated attempts to request information proving that claim, they either only provided photocopies of incomplete documents or flatly refused to answer questions. During the time that I was disputing their ownership, we hired an expert to track down the location of our loan and were provided information that it was NOT owned by XXXX, but had been securitized ( including the name and location of the trust, the closing dates, the XXXX, and other documents related to our loan and its significance to the trust 's overall XXXX ). After a year of not receiving payment from us, and refusing to provide proof, XXXX removed all reporting of a mortgage from our credit report, registered themselves in the county recorder of deeds office over 9 years after they claim to have bought to original mortgage ( illegal in PA and recently upheld by a Federal judgement ), and subsequently sold the loan ( not actually ) to Caliber Home Loans. I immediately continued my dispute with Caliber, claiming that they can not own the loan as XXXX did not own it to sell to them ( actually, they claim XXXX trust owns it now, which brings up many more questions about the validity of that transfer given the delinquency of the mortgage ). They continued the practice of sending us photocopies ( interestingly enough, a different copy of the mortgage documents containing signatures not in what XXXX had initially sent to us ), and refusing to answer questions or provide the name of the custodian, and location, of the " wet ink '' note. Caliber has recently recorded themselves in the county recorder of deeds office, well outside of the 90-days required by state law, and in spite of my notification to the recorder of deeds that they had failed to follow the law. The most recent violation comes from a QWR sent to them in XXXX, which they did acknowledge within the required 5 days, but which they have failed to respond to within 30 days. There is no question that there are a litany of violations that have been perpetrated upon me by XXXX mortgage companies, and that there is some kind of scam going on here with the intent to defraud me and to attempt to foreclose on my home. I have never refused to pay the rightful owner of the mortgage on my home ( if XXXX still exists and can be proven ), but I have repeatedly asked these people to provide the legal documentation that it is them who are entitled to collect before they get another penny from me. I 've paid over XXXX to XXXX over the course of living here that I now believe that they were not entitled to collect, I believe that they may have defrauded the trust who did own my note through their claims to be the owners and failure to pay the trust as required, and that the true status of my mortgage XXXX not be able to be proven by anyone ( and it may have been paid off, at least XXXX via whatever transfers and games have been played by the banks ). The last thing that I want to do is pay someone, only to have another party show up XXXX day with a valid note and prove that I owe them money regardless of what I have paid to any other parties. There is absolutely something wrong with this entire situation, and the unwillingness of the banks to provide proof, in conjunction with the fact that I know there are at least XXXX different copies of a mortgage and a third party named who owned the note in circulation, that makes it all but impossible for any reasonable person to know who is actually owed money, if anyone at all. I 'm at a loss, and do n't know what to do as no one is being above board with their answers to my questions to attempt to ascertain who I may owe money to. I hope that you can help me.

Company response to consumer: Closed with explanation