Debt collection -- Took or threatened to take negative or legal action -- Complaint #6618578

Complaint Overview

Complaint ID: 6618578

Company: Caliber Home Loans, INC.

Product: Debt collection

Sub-Product: I do not know

Issue: Took or threatened to take negative or legal action

Sub-Issue: Seized or attempted to seize your property

State: Michigan

ZIP Code: 490XX

Date Received: 2023-02-26T12:00:00-05:00

Date Sent to Company: 2023-02-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Complaint, QWR and DVR to Caliber Home Loans , Inc and XXXX XXXX XXXX XXXX XXXX XXXX I continue my investigation about sadistic gaslighting and enormous fraud operated by various hedge funds and Financial technology companies under instructions from major Investment banks, who use names of fictitious sham conduits like Caliber Home Loans , IncXXXX [ a shill for XXXX XXXX XXXX and XXXX XXXX now XXXX XXXX ] and XXXX XXXX XXXX, XXXX [ a shill for XXXX XXXX XXXX and XXXX XXXX ). Every time money trail and all collaborating evidence lead me to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX as the real Masters and parties who created these companies and who instruct these companies to rob and gaslight me ; and launder my money offshore, likely to XXXX, via complex money laundering scheme. On XX/XX/XXXX a private equity firm XXXX XXXX XXXX acting under its fictitious name Caliber Home Loan , Inc sent me another computer-generated response where Caliber misrepresented my complaint as I am requesting information about the transfer of servicing rights. This is not true. I demanded information about WHO appointed Caliber as a Servicer; WHOM Caliber was servicing all this time ; and which particular servicing activities Caliber performed if all servicing was conducted by various XXXX companies, particularly XXXX XXXX XXXX who deposited all my money into XXXX XXXX XXXX account whose ownership is unknown to me. I also demanded explanations WHEN and to WHOM Caliber prepared forged Allonge to my Note where they transferred a loan which did not belonged to Caliber. According to Caliber, effective XX/XX/XXXX, the servicing rights for the Loan were released from XXXX XXXX XXXX and transferred to Caliber. According to official documents, in XXXX Caliber [ former XXXX XXXX XXXX XXXX ] was 100 % owned by one of XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, whose business addresses are ALWAYS the same as Calibers addresses, including but not limited to XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and in XXXX, CA where many computer-generated letters are coming from. Shortly XXXX passed 100 % of ownership in Caliber to its branch XXXX XXXX XXXX XXXX and after it to XXXX XXXX. Which is 100 % owned by XXXX. I dont know the rationale behind these rapid transfers but if Caliber is positioned as an independent company with billions of mortgages under ownership and servicing, its simply impossible to make these transfers from accounting point of view. Only name transfer. Morever, while XXXX did not even included Caliber 's mailing address under its letter head, and changed mailing address on the first page of their robot-generated letter, they and apparently forgot to change it on the second page which stays as the same Oklahoma po box address. It is evident that whomever uses Caliber 's name on these idiotic letters do not even care about accuracy of information So, this is obvious, even from XXXX name, that the REAL Servicers are XXXX XXXX and various XXXX companies who use Calibers name on the letterheads as their cover up. Caliber ( former XXXX ) was accrued by XXXX XXXXXXXX XXXX in XX/XX/XXXX, and promptly rebranded it via hedge fund XXXX into a new corporation who do not perform any servicing activities, much less any lending and merely used as a sham name by various hedge funds. Yet, all my money were collected under Caliber name and processed by XXXX XXXX XXXX into XXXX XXXXXXXX XXXX account who is the owner of XXXX, now called XXXX XXXX admitted that they collect, open and deposit my money, thus Caliber and XXXX XXXX XXXX do it. It XXXX very obvious that Caliber did not do any servicing activities and has no relationship to the account where my money were collected by XXXX XXXX XXXX, Thus this information MUST be verified by XXXX XXXX XXXX as who deposited money on their account and who is the final recipient of my payments if Caliber is fully owned by XXXX and now my XXXX XXXX, XXXX XXXX XXXX, formerly XXXX XXXX XXXX XXXX, was created in XXXX to own mortgage servicing rights ( MSRs ) and other mortgage related assets. Its unclear WHO granted these servicing rights and that are other mortgage related assets? Probably illegal foreclosures and forged by XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX documents In XXXX XXXX XXXX XXXX XXXX, the mortgage real estate investment trust and parent company to nonbank fake lender XXXX, changed its name to XXXX XXXX whose President XXXX XXXX is a former XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX banker, as well as several other top executives. XXXX XXXX XXXX was alleged lender to my property Seller, XXXX. According to computer-generated letters from XXXX, they XXXX does not have ANY records about alleged wire transfer from fake lender XXXX XXXX XXXX [ defunct since XX/XX/XXXX ] who on XX/XX/XXXX allegedly assigned my mortgage [ without my Note ] to a fictitious corporation XXXX XXXX XXXXXXXX XXXX XXXX which was registered on XX/XX/XXXX by XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX. Prior XXXX used name of Americas Wholesale Lender as a cover up, which was not registered at all. On XX/XX/XXXX XXXX died and XXXX XXXX XXXX, XXXX became a XXXX XXXX XXXX XXXX. Bear to repeat, XXXX was accrued by XXXX XXXXXXXX XXXX in XX/XX/XXXX, and these renamed versions of XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, XXXX [ XXXX, XXXX ] were shortly registered by hedge funds XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as sham intermediaries, for the use of their names only. After XX/XX/XXXX all my money were demanded by XXXX XXXX XXXX and processed by XXXX XXXX, XXXX into XXXX XXXXXXXX XXXX account where XXXX was not even mentioned. Thus, XXXX did not do it, and was not the owner of the account where my money were deposited. XXXX XXXX XXXX was. My property taxes were paid by XXXX XXXX XXXX, XXXX under unknown to me authority and from unknown to me source. When I paid my taxes, XXXX transferred this check to XXXX XXXX bank. Thus, XXXX did not conducted any tax payments activities. In XX/XX/XXXX my property insurance was paid by XXXX XXXX XXXX, under unknown to me authority and from undisclosed to me funds. Thus, XXXX did not do it and was removed from my property insurance policy as additional insured two years ago. In XX/XX/XXXX XXXX XXXX XXXX sent me Total Payoff statement where XXXX directed me to deposit $ XXXX into XXXX XXXX XXXX account which routing number belongs to XXXXXXXX XXXX XXXX XXXX, where XXXX XXXX is on Board of Directors. Worth to mention, one of fully owned by Caliber [ owned by XXXX ] is XXXX XXXX XXXX XXXX, whose mailing address is the address of XXXX XXXX XXXX XXXX, XXXX CA also belongs to XXXX XXXXXXXX XXXX, subsidiary of XXXX XXXX XXXX XXXX, So, no matter whose name appears on the letterheads, my MONEY trails always lead to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX who ( 1 ) own companies whose names appear on the letterheads, indirectly but via hedge funds whose top executives have close ties with XXXXXXXX XXXX XXXX XXXX ( who has numerous repurchase agreements with XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX who received a refund check from XXXX I am entitled for explanations who is the real final recipient of my money ; who owns these accounts with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ; and the name of an individual officer whom I can contact to verify ownership of these accounts.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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