Consumer complaint received 2022-09-16
Company: Village Capital & Investment LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For several years ( XXXX ) I have been receiving mortgage statements with ( XXXX XXXX ) and sending mortgage payments to XXXX XXXX  XXXX XXXX because I believe them to be the lender/servicer. After going to the XXXX XXXX XXXX XXXX XXXX and retrieving documents that I needed for an audit ( mortgage documents/statements ) I notice XXXX XXXX XXXX was not listed as servicer or anywhere else in my property documents. 
So now I am confused because on my credit report for home loans listing Village Capital Investments ( {$160000.00} which now my credit report shows XXXX balance after these series of events ) and they are listed on documents that I retrieved from the XXXX XXXX of XXXX XXXX. I didnt understand why XXXX XXXX  XXXX was posing as my lender/servicer instead of Village Capital Investment . On or about XX/XX/2022, I immediately sent XXXX XXXX XXXX XXXX certified mail debt validation letter and continued with having my mortgage statement analyzed /audited. 
On or about XX/XX/2022, upon my findings of the audit I sent XXXX XXXX  XXXX a cease-and-desist letter ; in which XXXX XXXX XXXX seemed to have cease sending me statements. Only to have Village Capital Investments begin or resume sending me statements ( a week later ) with similar information as XXXX XXXX XXXX ; however, Village Capital Investments used their letterhead. Then on or about XX/XX/2022, Village Capital Investment sent me a new loan letter as if they were a new lender/servicer. So, on and about XX/XX/2022, I sent Village Capital Investments a debt validation letter certified mail. 
I dont know how they are connected and what kind of bait and switch game they are playing. Either way they are using false or misleading information in an effort to collect a debt which is a violation of the Fair Debt Collection Practices Act. 1692e ( 14 ) the use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. Which applies whenever a mortgage servicer is collecting debt ( default ). 
. I want to know : 1. Why was XXXX XXXX XXXX sending me mortgage statements? ( Different company/location and arent named on any documents as a servicer ) 2. Why didnt Village Capital Investment send mortgage statements? ( They are named in documents as the servicer ) 3. Why did Village Capital Investment send me mortgage statements? ( After I asked XXXX to validate the debt and subsequently sent them a letter to cease and desist ) 4. Why didnt either company let me know that they were affiliated? ( If they are in FACT ) I believe they intentionally deceived me for whatever fraudulent reasons. XXXX XXXX XXXX was receiving payments and did receive legal tender in full for settlement/closure/ discharge of debt. Now Village Capital Investment is sending me mortgage statements as a new loan servicer when they have been the loan servicer all along based on the documents that I retrieved from the XXXX XXXX of XXXX XXXX. 
It seems that XXXXXXXX XXXX XXXX XXXX & Village Capital investments are trying to collect payments / legal tender payoff balance twice for same loan. But disguising it as two separate loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation