Consumer complaint received 2021-09-01
Company: SF VAGO, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Qualified Written Request and Complaint against State Farm and XXXX XXXX XXXX Dear CFPB, Please find my QWR and complaint against State Farm and XXXX XXXX for deceptive business practices and illegal securitization scheme ( masqueraded as " lending '' ) operated by XXXX XXXX XXXX. 

Most recently I received a {$370.00} refund from purportedly State Farm for my home insurance. The refund actually came from XXXX XXXX XXXX bank, on State Farm 's letterhead which was unsigned and lacked any contact information or identity of the person who prepared and sent to me this letter and the check. I assume it must be done by the accountant/bookkeeper for State Farm.

The payment for some reason was mailed directly to me - instead of my faux Servicer XXXX XXXX XXXX, XXXX who claims to receive my mortgage payments and my escrow money. 

When I contacted State Farm agent XXXX XXXX, he provided me a copy of State Farm ACH ( why State Farm 's ACH and not Sender/Payor 's ACH? ) where some unidentified XXXX XXXX XXXX XXXX sent State Farm {$1000.00} as a payment for my home insurance.

There are seven main steps to process ACH payments.

The first step occurs when the originator initiates the ACH transaction. The originator can be a bank, business, or individual. In other words, this ACH must be originated by my faux " Servicer '' XXXX or their paying Agent XXXX XXXX XXXX XXXX who poses as Trustee for non-existing XXXX XXXX 's Trust, as confimed by HUD. 

From there, the bank of the originator will submit the ACH entry. Again, it must be XXXX 's bank - which is XXXX  XXXX XXXX. 

Banks send ACH entries to ACH operators in batches. Each bank has a predetermined schedule for sending these batches. 
The ACH operator within the network sorts the entries into deposits and payments. 
Following sorting, the ACH operator sends the entries to the recipient bank. 

The receiving bank must confirm the originators account has enough funds to allow for the transaction. 
Finally, the receiving bank either debits or credits the account of the receiver depending on if it is a payment or deposit. 

Thus, ACH payments have very clearly explained procedure - none of it apply to State Farm ACH. 

Bear to repeat, when on XX/XX/2021 someone hired some Third Party Payment Company it lacks any corporate identity, even the name or contact information and even operates from someone's home. No other details about this transaction were included, including payment information who sent this payment ( some " mortgage company '' ) or banking information ( from which bank it was sent ) or reference number for this transaction. 

This Third Party Payment Compnay sent State Farm {$1000.00} on XX/XX/2021 This makes {$450.00} l difference with my {$600.00} due for home insurance posted by XXXX on my escrow account State Farm ( XXXX XXXX ) sent me a refund {$370.00} - which does not make any sense.

How this refund was calculated? That is the Reference number for this transaction? That is the name of this " Third Party Payment Company '' and their mailing address and contact information? 

I demand State Farm and XXXX XXXX to provide me following information XXXX. Name and contact information for State Farm employee who prepared and sent me a refund check for {$370.00}. Please identify this employee 's position with State Farm.

2. Please explain how this amount was calculated if due was {$600.00} and payment was {$1000.00} 3. Please provide full corporate name for Third Party Payment Services ; name and contact information for their employee who send this payment ; and name and contact information for payor who hired this Company and who provided them access to my escrow funds.

4. Please disclosed full financial transaction where exactly this ACH was originated and by whom information as appear in the link on ACH, inlcuidng the name of the Bank where this payment was originated.

5. Please provide me reference number for this transaction 6. Please provide me contact information for XXXX 's and Bank XXXX New York employees who are responsible for accounting and disclose whom State Farm contacts at XXXX or BONY ( or any other party, please identify ) when customers dispute payments. 

7. Please send me difference {$79.00} between {$370.00} and {$450.00} surplus.

Company response to consumer: Closed with explanation