Complaint #1744759 submitted on 01/16/2016 relating to Village Capital and Investment, LLC. Complaint relates to Mortgage FHA mortgage - Loan servicing, payments, escrow account .
Complaint was submitted via Web and sent to the company on Saturday 16th January 2016.
In response to a complaint that I filed with the Consumer Finance Protection Bureau against XXXX and Village Capital Investment in regards to the illegal foreclosure of my home and failure to apply payments to my loan in accordance with federal law, I received the attached letter in duplicate from XXXX XXXX and Village Capital Investment.
The letter states that a " Notice of Breach '' was sent on XXXX XXXX, 2015 stating that I had to pay {$830.00} to cure the loan. Five days prior to the date of the letter I had already sent in a payment of {$820.00} via XXXX and then on XXXX XXXX, 2015 I sent an additional payment via XXXX for {$640.00}. These XXXX payments were made well before the cure date stated in your correspondence which was XXXX XXXX, 2015.
In the response letter to the CFPB complaint that I placed, it is mentioned that I was refunded the {$800.00} payment that I made in XXXX 2015, the {$700.00} payment that I made in XXXX 2015 and the {$710.00} payment that I made in XXXX 2015. The letter states the {$800.00} and {$700.00} payment were returned to me via ACH transfer, but I have no record of an ACH transfer to my bank account or a refund given via XXXX. The {$710.00} check was received via certified mail with United States Postal Service tracking number XXXX. Therefore the ONLY refund I have been given in all the payments that I have made since XXXX 2015 has been {$710.00} and the {$150.00} payment that I made via XXXX was sent back to me via a XXXX cancellation of payment. Please provide proof of the ACH transfers that you stated in your letter.
I request that all payments be applied to my account and foreclosure proceedings ceased.
| Company | Village Capital and Investment, LLC |
| Complaint ID | 1744759 |
| Date Received | 01/16/2016 |
| Product | Mortgage FHA mortgage |
| Issue | Loan servicing, payments, escrow account |
| State/ZIP Code | NC 282XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 01/16/2016 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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