Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX ( XXXX XXXX ) for Illegal Foreclosure Attempts During XXXX  To Whom It May Concern, I, XXXX XXXX XXXX am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also known as VXXXX XXXX , regarding their unlawful foreclosure actions on my property despite my ongoing XXXX  proceedings. Their actions violate federal law and my rights as a homeowner. 



Background of My Mortgage and XXXX  Unlawful Conduct In XX/XX/year>, I purchased my property with financing through XXXX Mortgage. 

A few months later, XXXX began demanding payments, though I never contracted with them, nor did they provide me with a loan or extend any credit. 

Initially, I made a few payments under the assumption that they were a legitimate lender. However, upon further investigation, I realized that XXXX had no lawful authority over my mortgage. 



Legal Basis for My Complaint Under 12 U.S. Code 1431, XXXX does not have the authority to issue credit, lend money, or enforce a foreclosure. Additionally, in the ruling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, it was established that entities like XXXX can not lend credit, proving once again that they have no legal standing in this matter. 



Timeline of My Dispute and XXXX  Lack of Response 1. Qualified Written Request ( QWR ) Sent I sent a certified QWR to XXXX, demanding proof of their authority over my loan and requesting a response within 30 days. 

XXXX responded with documents unrelated to them and continued collection attempts. 

XXXX. Notice of Default Sent I sent XXXX a notice of default with an opportunity to cure within 30 days. 

XXXX did not respond but continued to demand payments. 

XXXX. Notice and Demand for Compensation Sent I gave 15 days to cure the violation. 

XXXX ignored this notice and continued to pursue collection. 

XXXX. Final Determination and XXXX Sent I issued a final notice. 

XXXX once again ignored this notice and is now actively trying to sell my property despite my bankruptcy protection. 



Current Violation : Foreclosure Attempts During XXXX  I am currently in XXXX, and XXXX continued collection efforts and foreclosure actions violate federal XXXX  laws, which protect debtors from collection attempts during active proceedings. Their actions are an illegal attempt to steal my property through deceptive practices.

Requested Resolution I am requesting that the CFPB : 1. Immediately intervene to halt XXXX  foreclosure process, as it violates XXXX  laws.

2. Investigate XXXX  fraudulent activities and their unauthorized collection attempts. 

3. Hold XXXX accountable for violating consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and federal bankruptcy protections. 

4. Provide me with confirmation that XXXX  actions have been addressed and appropriate legal consequences are enforced. 




Please acknowledge receipt of this complaint and inform me of any updates regarding the investigation. I appreciate the CFPBs assistance in addressing this urgent matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation