Debt collection -- Attempts to collect debt not owed -- Complaint #4859464
Complaint Overview
Complaint ID: 4859464
Company: Caliber Home Loans, INC.
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Texas
ZIP Code: 77493
Date Received: 2021-10-29T12:00:00-05:00
Date Sent to Company: 2021-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX issued a TEXAS HOME EQUITY NOTE to us, which later we found out it was wrong and deceiving, we also found out that the DEED and RELEASE OF LEAN WERE EXECUTED WRONG ( INTENTIONALLY ) the note was then wrongfully assigned within 30 days to XXXX XXXX then almost immediately the note was again assigned to XXXX, which is not even a lender, the note was with XXXX for several years but XXXX collected payments from me and my wife until XXXX on behalf of XXXX XXXX XXXX, I believe they illegally collected payments from us because the note had not been assigned to them. XXXX then assigned the note to CALIBER HOME LOANS which then decided to foreclose on our property, after the foreclosure Caliber Home Loans sold or assigned the note to XXXX XXXX which resulted in a suit filed against us and a judgment was entered on or around XX/XX/XXXX after that we decided to file for Bankruptcy to protect our interest on the property and it has been depressing after that. XXXX XXXX filed a motion to issue a writ of possession on XXXX and was granted on or about XXXX my finances have been hurt so bad because of paying for my attorney and other legal fees in a effort to keep our property, so, I decided to file for Bankruptcy to protect my assets, as soon as I filed for Bankruptcy I submitted a copy of the filing to XXXX XXXX ATTORNEYS to let them know I had file for Bankruptcy, immediately as soon as they received the notice they wasted no time and sent me an email threatening to terminate the Bankruptcy Stay, I thought this was wrong so I filed for an adversary with the court and their response to this so unexpected, they are accusing me of everything they can, I believe the the Bankruptcy filing notice was very clear in addressing that they could not contact me to collect a debt that was already discharged in a previous Bankruptcy, therefore I believe I did the right thing because this action by XXXX XXXX and its attorneys/Debt Collectors had to be addressed, otherwise the will continue to do this again and again. We are scheduled for for a court hearing on XX/XX/XXXX and on this date we are probably going to be kicked out of our home, we worked so hard to pay this home and have spent around {$250000.00} in principal, interest, attorneys fees, supersedeas bonds, ETC, in an effort to keep our property I have made several offers to XXXX XXXX and its attorneys but they have rejected every offer I have made, right now there is no hope and I think we will be living on the street very soon as we have no where to go, XXXX XXXX has hurt us so much and so bad that we would like to be compensated for everything XXXXXXXX XXXX has done to us. One more thing, XXXX XXXX did not have possession of the property buy they have been selling the property on XXXX since a year ago, it has sold many times with the assumption that the property is worth {$460000.00} when is only worth around {$150000.00} due to repairs needed, XXXX XXXX has been deceiving consumers for a long time and will continue to do so if they are not stopped, I have more documents to show they XXXXXXXX XXXX has been violating consumer laws, it was not just violating my Bankruptcy stay and it is worth it to take a look at what they are doing, because they violated the Bankruptcy stay I believe I should be compensated for this too, it can not be ignored, this Bank and its attorneys/debt collectors will stop at nothing in order to achieve their goal. Thank you.
Frequently Asked Questions
What is Complaint #4859464 about?
Complaint #4859464 was filed against Caliber Home Loans, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-10-29T12:00:00-05:00.
How did Caliber Home Loans, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Caliber Home Loans, INC.?
Yes, visit the Caliber Home Loans, INC. company profile at readthecomplaint.com/company/caliber-home-loans-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.