Consumer complaint received 2017-10-04
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXXXXXX XXXX is hereby notified that C & F Mortgage and/or XXXX and XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property has been adjoined to the claims of XXXX discrimination toward XXXX XXXX and non-white XXXX and/or XXXX borrowers by XXXX XXXX XXXX. Additionally, XXXX XXXX XXXX is declaring that it was her sole income that paid the mortgage on property address XXXX XXXX XXXX XXXX, VA XXXX. Income consisted of employment earnings as a nurse for the duration of the payments, retirement ( 401K ) plans and benefits from various employers, short term XXXX benefits, yearly tax returns, sick and vacation leave accruals. It can be ascertained from relevant documents that approximately {$20000.00} of the {$160000.00} WAS NOT for the structure. These cost were actually for the well and septic systems respectively quoted at approximately {$10000.00} each. However, as I, XXXX XXXX XXXX can state, those agreement ( s ) were not between I or any company but those agreement ( s ) were likely between the builder and sub-contractors as I have no knowledge of whom they are and after much review of different sites do not believe these were actual cost ( s ) for either but a significant overage for both systems, which quote the systems as being average {$5000.00} each not  {$10000.00}. It can be ascertained from relevant documents specifically the " Deed of Trust '' to build on the property that at the time of the signing of that agreement the quoted amount was {$150000.00} ( initial quote included one system only ) however, the final deed have {$160000.00}. I, XXXX XXXX XXXX did specifically sign addendum contracts with XXXX XXXX, which is why I know these were for a well and/or septic system and not the structure. The land this structure was built on was paid for separately out-of-pocket as well as all pre-existing costs such as the survey completed by XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX for deed and recording, Land Development Application, Deed of Trust cost between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX. There was a refund for upgrades made to the home out-of-pocket by the mortgage company and that refund was applied back to the initial payment beginning in XXXX XXXX. Therefore, in consideration that it can be determined that both the structure and the land have been paid for by representation of payments, XXXX XXXX XXXX has already indicated she want the deed and title to the property from XXXX XXXX XXXX XXXX 


C & F Mortgage Corporation and/or XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX Descendant 's. Therefore, the XXXX XXXX XXXX XXXX XXXX 's hereby declare that C & F Mortgage Corporation and XXXX and XXXX XXXX  XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States v. C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants. The descendant XXXX XXXX XXXX is a resident in XXXX & XXXX County, however, the response in the prior closed complaint by C & F does not reference that action taken against XXXX XXXX XXXX or her property by officers, employees, successors, etc. of C & F or the XXXX XXXX heir property belonging to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation