Debt collection -- Attempts to collect debt not owed -- Complaint #6195826
Complaint Overview
Complaint ID: 6195826
Company: Caliber Home Loans, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Michigan
ZIP Code: 490XX
Date Received: 2022-11-12T12:00:00-05:00
Date Sent to Company: 2022-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint, XXXX and XXXX to Caliber Home Loan, inc and servicer XXXX XXXX XXXX who conducted escrow reviews for my property All questions below are based on my research and official responses from HUDXXXX XXXX who has no records about Calibers servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used Calibers letterheads On XX/XX/XXXX my alleged Lender XXXXXXXX XXXX XXXX XXXX transferred allonge to my Note to Caliber Home Loan Caliber On XX/XX/XXXX law firm XXXXXXXX XXXX XXXXXXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to Caliber, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale. Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, Caliber claims to be a Holder in due course for my note because Caliber paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX informing me about transfer of servicing to Caliber Please explain who authorizedXXXX XXXX XXXX to send me this letter of servicing transfer During all time in question ( XXXX XXXX XXXX ) all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please explain why XXXX XXXX collected my payments if Caliber claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX. Please explain why XXXX paid my property taxes if Caliber claims to be a servicer. Please disclose who authorized XXXX to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX XXXX Please explain why XXXXXXXX XXXX XXXX conducted escrow reviews for my account if Caliber claims to be a servicer Please disclose the name of individual at Caluber who was responsible for escrow reviews and who authorized XXXX XXXX XXXX to conduct these reviews I reserve my right to request more disclosures after Caliber and XXXX respond to my XXXX
Frequently Asked Questions
What is Complaint #6195826 about?
Complaint #6195826 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 2022-11-12T12:00:00-05:00.
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.