Consumer complaint received 2024-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: AZ

Complaint narrative:
I've never been late on my gorgeous payment before.I put food on the table or pay bill.The first thing I do is pay my mortgage paymand i'm having problems with village ca7pital because they Deliberately took my mortgage payment and separated it the pay escrow. I don't understand because I've told him I have. A 100 % XXXX veteran 100 %. And I'm tax-exempt and I had insurance on the house before. I got refinance here. 
And they deliberately got insurance. Again on the house with the same company and I can received a letter and send him a letter stating that that we had double couples in the house and I sent them a copy of it and they did not get paid in full from the insurance company. They got partially back so they're charging me from my a** grow because they use my escort money for this insurance. And I have to pay it back and I told him that's not my fault. That's your fault. It's your mistake, not my mistake. You're the one causing the problems here and now my payments used to be. XXXX. 
XXXX a month and now they enough. At 6 months my down. My payment changeing. This is 9 months under the closure that my payment will not be raised and they raise it from the XXXX XXXX hours XXXX every month. 'S.A. Different crisis of my mortgage payment and it's, it's wrong because they wouldn't my credit the same. They charge me late fees. They told the credit company for the credit was even the month. XXXX was even over with they already reported me. That did I default it in my mortgage payments and I never have and it's outrageous at a corporation could just mislead and just destroyed my credit and everything else and make it look like I'm incompetent of my own to pay anything and I am I've been paying so I have all documents showing. That it's so bad that it's stressed me out. I've never been late on my mortgage payment. And they're saying I'm late because they separated my mortgage payment and put it in escrow. I don't know what they're doing with it, but every month it's always something different with the company. You know it's hard to explain but it's deceiving and it's wrong, what they're doing. They're trying to take my house for me and I've been paying them sirand it's wrong and I've tried every possible way with them to tell them that in my now, they want more money pay every month, that wasn't an agreement, you know, it was XXXX  months and they're you know, the school this whole thing 's wrong? My credit sold room did I try to get? We tried to get an extreme over cross-country. And they can't do it because my credit is from the XXXX sum down to XXXX. Now they destroyed my credit. And they're telling me that I have to actually work with them. And I can't trust his companyou know. I don't. I get {$4000.00} a month and end it and they want. They want to take all my money. And I would have insurance in the house and then. I got XXXXXXXX XXXX XXXX XXXX again. And they don't charge you mean more than what it's supposed to be?

Company response to consumer: Closed with explanation