Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
To start with, this is not a matter of me not being able to pay my mortgage and falling behind. I 've spent over {$12000.00} to date in my lawsuit against the illegally assigned substitute trustee that attempted to wrongfully foreclose on me. All because Caliber Home Loans refused to work towards loss mitigation. It has become very clear that Caliber aggressively pursued foreclosure as a preference over any attempts at loss mitigation. 

Caliber Home Loans has systematically been part of an ongoing attempt to commit fraud by stealing my home via illegal means. I do not owe them what they say I owe them. I maintain that my mortgage note was satisfied in full by previous investors. 

Attempts to foreclose on my home have been fraudulent, illegal and without authority or merit. Evidence exists from document manufacturing and robo-signing, to illegally/allegedly securitizing my mortgage into a non-existent trust. Then attempting to use an illegally/improperly assigned substitute trustee to foreclose. When I did the research and hired a lawyer to sue the improper sub-trustee, I found out that the alleged trustee for the alleged trust ( which does not exist ) says my note does not exist and they do not have any interest in the mortgage note. 

Regardless of popular belief In Texas you have to produce the note per the Texas XXXX. Other lawsuits based on producing the note have failed because none of them plead the clauses in the XXXX. Caliber Home Loans, their alleged ( yet illegally assigned ) sub-trustee XXXX, and the alleged Trustee for the Trust that Caliber claims holds my note are all unable to provide proof that my note is in their possession. In fact the Trustee for the alleged trust says it does not exist and that Caliber Home Loans as servicer is solely responsible for what is happening. 

My note was illegally moved into a non-existent trust. Along with this Caliber is on record multiple times lying to me about my foreclosure via phone. The substitute trustee also illegally tried to foreclose using illegal documents. 

Issues of note are ( but not limited to ) the following : There is proof illegal filings of sub-trustees. 
There is proof that the illegal sub-trustee attempted to illegally foreclose on my home without following proper time-lines in outlined by law ( regarding note acceleration and foreclosure sale ). 
There is proof of multiple cases of a conflict of interest in filings. 
There is proof of robo-signing/fraudulent signatures regarding foreclosure procedures and trustee assignments. 
There are definite red flags that document manufacturing has happened. 
There is proof that the alleged Trust that my note was securitized into is a false and non-existent trust. 
There is proof that even if the alleged trust exists, that my note was allegedly transferred to it illegally via back-dating and document manufacturing. 
There is proof that I 'm suing the alleged substitute-trustee that attempted to illegally foreclose on my home. 
There is proof that my mortgage title is clouded. 
Since Caliber is fraudulently trying to collect on this mortgage, and they are reporting this information to the credit bureaus, they are in violation of the FDCPA and the FCRA. 
CRA 's that I owe them, and even though I 'm involved in a lawsuit regarding the very validity of an I maintain that I do not owe Caliber a single penny. I maintain that my note was fully satisfied in previous transactions and am currently engaged in a lawsuit to prove as much. 

As documented proof, please see the attached current petition to the court where I am suing the substitute trustee. I 'm also attaching a Chain of Title Assessment report that sheds additional light on the issues I raise. I 'm also attaching previous CFPB complaints because they too shed additional light on this issue.

Company response to consumer: Closed with explanation