The French cardinals were now at Anagni: they were joined by the Cardinal of Amiens, who had taken no part in the election, but who was burning under the insulting words of the Pope, perhaps not too eager to render an account of his legation. The Pope retired to Tivoli; he summoned the cardinals to that city. They answered that they had gone to large expenses in laying in provisions and making preparations for their residence in Anagni; they had no means to supply a second sojourn in Tivoli. The Pope, with his four Italian cardinals, passed two important acts as sovereign pontiff. He confirmed the election of Wenceslaus, son of Charles IV, to the empire; he completed the treaty with Florence by which the republic paid a large sum to the see of Rome. The amount was seventy thousand florins in the course of the year, one hundred and eighty thousand in four years, for the expenses of the war. They were relieved from ecclesiastical censures, under which this enlightened republic, though Italian, trembled, even from a pope of doubtful title. Their awe showed perhaps the weakness and dissensions in Florence rather than the papal power.

The cardinals at Anagni sent a summons to their brethren inviting them to share in their counsels concerning the compulsory election of the successor to Gregory XI. Already the opinions of great legists had been taken; some of them, that of the famous Baldus, may still be read. He was in favor of the validity of the election.

But grave legal arguments and ecclesiastical logic were not to decide a contest which had stirred so deeply the passions and interests of two great factions. France and Italy were at strife for the popedom. The Ultramontane cardinals would not tamely abandon a power which had given them rank, wealth, luxury, virtually the spiritual supremacy of the world, for seventy years. Italy, Rome, would not forego the golden opportunity of resuming the long-lost authority. On the 9th of August the cardinals at Anagni publicly declared, they announced in encyclic letters addressed to the faithful in all Christendom, that the election of Urban VI was carried by force and the fear of death; that through the same force and fear he had been inaugurated, enthroned, and crowned; that he was an apostate, an accursed antichrist. They pronounced him a tyrannical usurper of the popedom, a wolf that had stolen into the fold. They called upon him to descend at once from the throne which he occupied without canonical title; if repentant, he might find mercy; if he persisted he would provoke the indignation of God, of the apostles St. Peter and St. Paul, and all of the saints, for his violation of the Spouse of Christ, the common Mother of the Faithful. It was signed by thirteen cardinals. The more pious and devout were shocked at this avowal of cowardice; cardinals who would not be martyrs in the cause of truth and of spiritual freedom condemned themselves.

But letters and appeals to the judgment of the world, and awful maledictions, were not their only resources. The fierce Breton bands were used to march and to be indulged in their worst excesses under the banner of the Cardinal of Geneva. As Ultramontanists it was their interest, their inclination, to espouse the Ultramontane cause. They arrayed themselves to advance and join the cardinals at Anagni. The Romans rose to oppose them; a fight took place near the Ponte Salario, three hundred Romans lay dead on the field.

Urban VI was as blind to cautious temporal as to cautious ecclesiastical policy. Every act of the Pope raised him up new enemies. Joanna, Queen of Naples, had hailed the elevation of her subject the Archbishop of Bari. Naples had been brilliantly illuminated. Shiploads of fruit and wines, and the more solid gift of twenty thousand florins, had been her oblations to the Pope. Her husband, Otho of Brunswick, had gone to Rome to pay his personal homage. His object was to determine in his own favor the succession to the realm. The reception of Otho was cold and repulsive; he returned in disgust. The Queen eagerly listened to suspicions, skilfully awakened, that Urban meditated the resumption of the fief of Naples, and its grant to the rival house of Hungary. She became the sworn ally of the cardinals at Anagni. Honorato Gaetani, Count of Fondi, one of the most turbulent barons of the land, demanded of the Pontiff twenty thousand florins advanced on loan to Gregory XI. Urban not only rejected the claim, declaring it a personal debt of the late Pope, not of the holy see, he also deprived Gaetani of his fief, and granted it to his mortal enemy, the Count San Severino. Gaetani began immediately so seize the adjacent castles in Campania, and invited the cardinals to his stronghold at Fondi. The Archbishop of Arles, chamberlain of the late Pope, leaving the castle of St. Angelo under the guard of a commander who long refused all orders from Pope Urban, brought to Anagni the jewels and ornaments of the papacy, which had been carried for security to St. Angelo. The prefect of the city, De Vico, Lord of Viterbo, had been won over by the Cardinal of Amiens.

The four Italian cardinals still adhered to Pope Urban. They labored hard to mediate between the conflicting parties. Conferences were held at Zagarolo and other places; when the French cardinals had retired to Fondi, the Italians took up their quarters at Subiaco. The Cardinal of St. Peter's, worn out with age and trouble, withdrew to Rome, and soon after died. He left a testamentary document declaring the validity of the election of Urban. The French cardinals had declared the election void; they were debating the next step. Some suggested the appointment of a coadjutor. They were now sure of the support of the King of France, who would not easily surrender his influence over a pope at Avignon, and of the Queen of Naples, estranged by the pride of Urban, and secretly stimulated by the Cardinal Orsini, who had not forgiven his own loss of the tiara. Yet even now they seemed to shrink from the creation of an antipope. Urban precipitated and made inevitable this disastrous event. He was now alone; the Cardinal of St. Peter's was dead; Florence, Milan, and the Orsini stood aloof; they seemed only to wait to be thrown off by Urban, to join the adverse faction. Urban at first declared his intention to create nine cardinals; he proceeded at once, and without warning, to create twenty-six.[65] By this step the French and Italian cardinals together were now but an insignificant minority. They were instantly one. All must be risked or all lost.

On September 20th, at Fondi, Robert of Geneva was elected pope in the presence of all the cardinals (except St. Peter's) who had chosen, inaugurated, enthroned, and for a time obeyed Urban VI. The Italians refused to give their suffrages, but entered no protest. They retired into their castles and remained aloof from the schism. Orsini died before long at Tagliacozzo. The qualifications which, according to his partial biographer, recommended the Cardinal of Geneva, were rather those of a successor to John Hawkwood or to a duke of Milan, than of the apostles. Extraordinary activity of body and endurance of fatigue, courage which would hazard his life to put down the intrusive pope, sagacity and experience in the temporal affairs of the Church; high birth, through which he was allied with most of the royal and princely houses of Europe; of austerity, devotion, learning, holiness, charity, not a word. He took the name of Clement VII; the Italians bitterly taunted the mockery of this name, assumed by the captain of the Breton Free Companies—by the author, it was believed, of the massacre at Cesena.

So began the schism which divided Western Christendom for thirty-eight years. Italy, excepting the kingdom of Joanna of Naples, adhered to her native pontiff; Germany and Bohemia to the pontiff who had recognized King Wenceslaus as emperor; England to the pontiff hostile to France;[66] Hungary to the pontiff who might support her pretentions to Naples; Poland and the Northern kingdoms, with Portugal, espoused the same cause. France at first stood almost alone in support of her subject, of a pope at Avignon instead of at Rome. Scotland only was with Clement, because England was with Urban. So Flanders was with Urban because France was with Clement. The uncommon abilities of Peter di Luna, the Spanish cardinal (afterward better known under a higher title), detached successively the Spanish kingdoms, Castile, Aragon, and Navarre, from allegiance to Pope Urban.