Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
We bought my home in XXXX. We never had an issue with FNMA until XXXX Bank and Caliber Home Loans alleged to own and service it, and since then everything has turned into a real nightmare. 

In XXXX I filed for XXXX XXXX due to a divorce and was ordered to pay {$890.00} per month for 4 months, then {$780.00} per month for 1 month, then {$1100.00} per month for 55 months in XXXX of XXXX, which I did. ( XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Entered XX/XX/XXXX XXXX ). 

XXXX Bank and Caliber did not enter the picture until many months later and had no idea of anything done before. I sent all required payments to the BK Trustee and the then to the servicer XXXX XXXX, which did not transfer my payments to Caliber until XXXX of XXXX. I was in the process of a loan modification workout with XXXX when they transferred my loan to XXXX XXXX   and Caliber. XXXX even " dual tracked '' and filed an unlawful NOD on the Title of our property. 

We never signed anything with XXXX XXXX or Caliber and the Note we originally signed with FNMA was declared null and void as was the alleged Deed of Trust ( DOT ) which named the Mortgage Electronic Registrations Systems, XXXX ( MERS ), both the " Nominee '' and " Beneficiary ''. 

As a matter of fact, these documents are in the process of being expunged from title as fraudulent. Also an alleged loan modification signed by this same MERS is also null and void. 

The BK filed in XXXX was confirmed in XX/XX/XXXX and all payments were made on time and as agreed to XXXX. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Entered XX/XX/XXXX XXXX ). Instead of posting the post-petition payments directly to the account without escrow, they were posted to the suspense account making it seem as if I was delinquent on payments which we never were. 

Also payments were made as agreed and on time. ( XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Entered XX/XX/XXXX XXXX ). The then XXXX filed was totally wrong. ( See XXXX XXXX XXXX XXXX Filed XX/XX/XXXX ), as is a new XXXX filed this year. They have apparently withdrawn it from my wife 's Bankruptcy? 

The attached promise to pay ( alleged " note '' ) is in the process of being declared null and void. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX ). The attached alleged modification is in the process of being declared null and void since it was signed by MERS which had no authority to sign anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX ). The alleged Deed of Trust XXXX DOT ) is also null and void and is being expunged from title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Estimated monthly mortgage payment of {$4400.00} and down to {$2300.00} is fraudulent ( See Case XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. 

XXXX Bank and XXXX are playing games and has not rectified the accounts and amounts paid. They have no interest in our property and have failed to appear before the Ninth Circuit Court of Appeals in case number : XXXX. 

They continue to have a sale date posted for every Month on the internet. The FBI is investigating everything they have published including the drone photos. We have asked them many times to remove everything related to our home from the internet. 

Now we are presently in a loan modification again with N.A.C.A. representing us. 

We need them to stop the foreclosure process per the California Homeowner Bill of rights and to stop the attempted lift of the automatic stay in my wife 's Bankruptcy case immediately.

Company response to consumer: Closed with explanation