CathInfo.com

"Therefore, it cannot be maintained that Joseph Ratzinger is a heretic, on the basis of the specious and false pretext that he has asserted heretical disbelief in dogmas by incorrectly explicating those dogmas which in their proper content include in themselves the notion of created substance composed of matter and form, or that he has explained other dogmas in such a manner that involves his argument in some basic contradiction. He has professed belief in the dogmas, but has explained them in a logically incoherent and sometimes contradictory manner, but without directly, immediately, explicitly, and knowingly asserting disbelief in the dogmas themselves, which alone would be an indicium of formal heresy that constitutes proof of formal heresy; yet, as I have explained, his exposition on their meaning contain propositions which, considered in themselves, contain material heresy in that the contrary part of his contradictory assertions are opposed to the dogmas which he does profess, and, due to his faulty understanding of the philosophical concepts which underlie some dogmas, he does not always profess those dogmas according to their proper sense as the Church has defined them. Hence, there are not to be found the indicia of formal heresy in the writings of Joseph Ratzinger, who is still at present, Pope Benedict XVI, the Vicar of Christ on earth."

Kramer, Paul. On the true and the false pope: The case against Bergoglio (pp. 602-603). Gondolin Press. Kindle Edition.

I agree with Fr. Paul Kramer.

"Therefore, it cannot be maintained that Joseph Ratzinger is a heretic ...