Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: PA

Complaint narrative:
I am submitting this complaint due to ongoing foreclosure threats, harassment, and improper mortgage servicing conduct by CalCon Mutual Mortgage, LLC, despite : An active, pending federal lawsuit disputing the validity, accuracy, and enforceability of the loan ; A formally disputed loan balance and accounting, including unresolved credits and unauthorized liens ; A bad-faith Trial Period Plan ( TPP ) that was unaffordable, repeatedly altered, and never agreed to ; Continuous foreclosure communications while disputes and loss-mitigation review remain open.

CalCons actions appear to constitute dual tracking, coercive servicing practices, and harassment, and are causing ongoing harm to my household. 

ACTIVE LITIGATION AND NOTICE TO SERVICER There is an active civil lawsuit involving this mortgage currently pending in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  following removal from the XXXX XXXX XXXX XXXX XXXX XXXX. 

CalCon Mutual Mortgage, along with Schumacher Mortgage Services and Schumacher Homes, is represented by counsel, and has been on notice of the litigation, disputes, and amended pleadings since XX/XX/XXXX, with continued filings in XX/XX/XXXX. 

Despite this, CalCon continues to behave as though the debt is undisputed and fully enforceable. 

DISPUTED LOAN ACCURACY AND ACCOUNTING ERRORS I have formally disputed the loan balance and servicing accuracy, including but not limited to : Inflation of the loan balance beyond documented construction costs ; Failure to apply acknowledged change-order credits ; Failure to apply construction loan payments already made ; Unauthorized use of my prior home sale proceeds ; Improper placement of a second lien ; Unauthorized inclusion and use of my XXXX mothers income. 

A full True Construction Cost Reconciliation demonstrates that the maximum legitimate loan balance should be approximately {$200000.00}, not the amount CalCon is attempting to enforce.

These disputes have not been resolved, corrected, or adequately addressed in writing. 
BAD-FAITH TRIAL PERIOD PLAN ( TPP ) CalCon offered a Trial Period Plan that : Initially required payments of approximately {$2100.00} per month, which I struggled to pay but did pay ; Was later unilaterally increased to over {$3100.00} per month ; Then altered again to approximately {$2700.00} per month ; Was never affordable based on my verified income of approximately {$1400.00} bi-weekly ; Was never agreed to or signed by me.

I explicitly notified CalCon in writing that these payments were unaffordable and unsustainable. Acceptance would have guaranteed default. 
Rather than correcting the underlying loan errors, CalCon appears to be using the TPP as leverage to force compliance or justify foreclosure. 

ONGOING FORECLOSURE HARASSMENT AND COERCIVE CONDUCT Despite the above, CalCon continues to : Send frequent foreclosure and foreclosure at risk emails ; Mail repeated foreclosure notices to my home ; Physically come to my property and post notices on my door ; Continue servicing and foreclosure communications while simultaneously claiming my dispute is under review. 

These actions are occurring while litigation is active, while the loan is disputed, and while loss-mitigation review has not been concluded. 
This conduct is intimidating, disruptive, and harassing, particularly given that CalCon is represented by counsel and fully aware of the pending lawsuit. 
WHY THIS CONDUCT IS IMPROPER CalCons actions raise serious concerns under federal servicing standards, including : Dual tracking during active dispute and loss-mitigation review ; Bad-faith loss mitigation by offering knowingly unaffordable trial terms ; Harassment and coercive collection practices ; Attempting to enforce a debt whose accuracy and legality are under active judicial review. 
At no point have I refused to engage. I have consistently requested correction, reconciliation, and affordability. 

HARM TO CONSUMER This conduct has caused : Ongoing emotional distress and fear of displacement ; Disruption to my household, including my children and elderly mother ; Interference with my legal rights while litigation is pending ; Unnecessary escalation instead of good-faith resolution.

Company response to consumer: Closed with explanation