Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Cell : XXXX XXXX XXXX XXXX XX/XX/XXXX USPS Regular Mail XXXX XXXX , EVP & General Counsel Caliber Home Loans - Main Corporate Office XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX RE : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX , XXXX XXXX FL XXXX Dear Mr. XXXX : Please be advised that I am the late XXXX XXXX son, and received correspondence and calls from your company since XX/XX/XXXX to date concerning the captioned subject. 

Also, please be advised that I, XXXX XXXX, am speaking strictly for, and on behalf of myself, by and through my correspondence to you now and in the future. 

I am not speaking in any way, shape, or form on behalf of the late XXXX XXXX other five ( 5 ) sons. Please contact them individually, or collectively, to learn their position ( s ) concerning this matter. 

Again, as in my previous letter to you, dated XX/XX/XXXX, please be advised for the third time that I am not the Executor of the Estate of XXXX XXXX as evidenced by the enclosed email dated XX/XX/XXXX, and Page 1 of XXXX XXXX Last Will and Testament, wherein XXXX XXXX is named as the Executor of the Estate of XXXX XXXX. SEE letter. 

Please change your contact information concerning this matter to : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Cell : XXXX XXXX XXXX XXXX Please be advised this letter serves to respond to the XX/XX/XXXX letter to me from XXXX XXXX, AVP, Consumer Advocacy and Response Team wherein she acknowledged my specific concerns to the Consumer Financial Protection Bureau ( CFPB ) Complaint was filed by me on XX/XX/XXXX, and my letter to you dated XX/XX/XXXX concerning the captioned subject. 

I am responding the Ms. XXXX 's letter accordingly as she did not pro-offer any satisfactory resolutions to my problems caused by your company prolonging the mortgage in its second incarnation and the expected litigation from the mortgage not being paid by the late XXXX XXXX. 

I completely understand that I am not a customer of Caliber Home Loans, Inc. That just happens to be a major part of the issue between Caliber Homes Loans, Inc. and I. 

Frankly, I found her letter disrespectful of me, being cold, callous, insulting and indifferent of the circumstances in its entirety. 

A Complaint was filed with the Consumer Financial Protection Bureau ( CFPB ) Complaint on XX/XX/XXXX wherein I addressed the same concerns as expressed in my Complaint against Caliber ; and, other concerns about what has transpired to date between all of the parties involved with the late XXXX XXXX, the condominium she lived in XXXX and the mortgage with XXXX, d/b/a and a/k/a XXXX  and XXXX XXXX. I am waiting for responses from both the Consumer Financial Protection Bureau ( CFPB ) and XXXX, d/b/a and a/k/a XXXX  and XXXX. XXXX. 

Yes, I also understand that Caliber home Loans, Inc. is not affiliated with XXXX, d/b/a and a/k/a XXXX  and XXXX XXXX. 

The following should clearly exemplify to you that Caliber Home Loans, Inc., by and through your various companies, subsidiaries, divisions, departments and affiliated companies, have been, and will continue to be burdening me with the new mortgage and related moving forward unresolved between us. 

Although your records do not reflect XXXX XXXX as signatory to the loan that does not dismiss the fact that correspondence is being mailed to the late XXXX XXXX using my personal information, specifically my address, cell phone number and e-mail address. Because of the use of said within your company as the address of record for the late XXXX XXXX, I am continuing to receive correspondence to her as though the late XXXX XXXX lived, or lives with me. Certainly, the Complaint in Foreclosure is testimony of that fact, in addition to what your company has mailed to my address to date. 

Ms. XXXX incorrectly stated : Please be advised that Caliber found no evidence that correspondence relating to the subject loan was mailed directly to you. 

That is a patently false statement. We are corresponding with each other due to the plethora of correspondence, legal documents, loan documents and phone calls that have been mailed to me since XX/XX/XXXX. Had I not received anything from Caliber Home Loans, Inc., we would not be going through this exercise. I have no idea where and how MsXXXX XXXX concluded the contrary. 

The demand is made that my name, and the rest of my personal information, be removed from XXXX XXXX 's account with you. More so, I am also demanding the late XXXX XXXX 's personal address, phone number and e-mail address that currently uses my personal information be completely removed from your internal systems. 

As stated above, please address any and all future correspondence, and direct contact concerning the late XXXX XXXX, and the new mortgage, to XXXX XXXX as he is named as the Executor of the Estate of XXXX XXXX. Furthermore, I am demanding that you contact him instead of waiting for him to contact you to address this matter in full. Mr. XXXX is aware of the situation between Caliber Home Loans , Inc. and I and has expressed to me that he does not have any intentions of contacting you about this matter. 

Absent the aforementioned as an alternative address for the late XXXX XXXX, you have her burial address. 

The demand is made that you remove any reference of the late XXXX XXXX 's personal information ; and, the matters involving the late XXXX XXXX between Caliber Home Loans, Inc. be stricken from XXXX XXXX 's credit reports with the three credit reporting companies. Furthermore, the demand is made that Caliber Home Loans, Inc. notify the three credit reporting companies that XXXX XXXX never received a solicitation for a mortgage, and/or other financial instrument ; and, never applied for a mortgage, and/or other financial instrument to Caliber Home Loans, Inc. ; and, never missed payments, defaulted, or caused foreclosure on a mortgage, and/or other financial instrument from Caliber Home Loans , Inc. ; and, never had a financial relationship in any capacity with Caliber Home Loans, Inc. during any time in XXXX XXXX 's life. The demand is made the reports and letters be made available to XXXX XXXX by copy before XX/XX/XXXX. 

No, I am not convinced by Ms. XXXX 's statements claiming otherwise as they are woefully inaccurate and inadequate to resolve this matter. The best and only proof to convince me of this concern of mine is with me receiving the aforesaid documents on a timely basis. 

All of the above being said, my examples to my demands is that from XX/XX/XXXX to date many credit card companies ( VISA, XXXX XXXX, and various companies ) have mailed credit card solicitations to the late XXXX XXXX at my address using the information from your company that was either sold to them, or they received in another method from your company. Those are indisputable facts. 

The demand is made that XXXX XXXX 's personal information be stricken from any information you provide to other companies through the sales of personal information and/or other methods from your company. 

For these reasons, I hope that I have impressed upon and have more than adequately explained to you how your company has burdened me to date because of the captioned matter. 

Please contact me by any means if you have any immediate questions, comments, or concerns about this letter to you. 

Thank you for your prompt attention to my concerns and demands. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation