Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Egregious Mortgage Fraud, Gross Negligence, and Active Complicity in Property Theft by Vanderbilt Mortgage and Finance, LLCTitle Sent to Thieves ' Address Against Direct Instruction I am filing this complaint against Vanderbilt Mortgage and Finance, LLC for a pattern of egregious misconduct and direct actions that have enabled the unlawful seizure of my inherited home and land, the complete destruction of my family 's possessions, and have now culminated in a direct and willful act of aiding the criminals who victimized me.

This all began with a coordinated criminal conspiracy that exploited my severe vulnerability following the deaths of my husband and mother, as well as my pre-existing health conditions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). A group of criminals, including * * XXXX XXXX, XXXX XXXX, and individuals affiliated with Big State Home Buyers * *, initiated a fraudulent scheme to steal my inherited property. I steadfastly refused to sign any documents and repeatedly withdrew from their scheme. Despite this, they proceeded with multiple unlawful eviction proceedings. 

Throughout this ordeal, * * Vanderbilt Mortgage and Finance, LLC 's actions were critical to the criminals ' success : * * 1. * * Hostage-Holding of Title and Extortion : * * Despite a minimal outstanding mortgage balance of approximately {$20000.00}, Vanderbilt refused to release the title on my deceased mother 's property. They demanded an additional * * {$800.00} * * payment, under the pretense of " holding the title hostage. '' This action directly prevented me from securing my property and defending it against the scammers ' attacks.

2. * * Fraudulent 1099-C for an Unrelated Debt : * * Vanderbilt issued a * * Form 1099-C for an inflated amount of {$44000.00} to " The Estate of XXXX XXXX '' ( my deceased mother ) * *. When challenged, XXXX falsely claimed this 1099-C was related to a home * I * had foreclosed on in 1999. This is a demonstrably false and fraudulent claim that demonstrates a pattern of financial manipulation.

3. * * Willful Disregard of Direct Instructions : * * In a new, deeply disturbing development, Vanderbilt has committed an act of blatant disregard for my safety and my consumer rights. In my prior communications and complaints, * * I explicitly instructed Vanderbilt not to send any documents to the property address and provided them with a new, secure mailing address. * * Despite this clear instruction, * * Vanderbilt has now sent the title for my mother 's property directly to the address of the very individuals who unlawfully seized my home and destroyed my possessions. * * This action is not a mistake or an oversight ; it is a direct violation of my clear instructions. By sending this title to the thieves ' address, Vanderbilt has : * * * Aided and abetted * * the completion of a fraudulent property theft.

* * * Provided the final legal instrument * * needed for the criminals to potentially sell or refinance the property.

* * * Proven that their previous statements of non-involvement were false * * and that they have a direct, damaging relationship with the criminal parties.

As a direct result of Vanderbilt 's misconduct and willful actions, the criminals forcibly evicted my family and me on XX/XX/XXXX. They then proceeded to burn all of our possessions and memories, and unlawfully seized my home and land. I am now homeless. 
I am seeking the CFPB 's immediate intervention to compel Vanderbilt to rectify this grave injustice and to hold them accountable.

This is a clear case of a financial institution directly and actively enabling a criminal enterprise to exploit a vulnerable consumer. I trust that the CFPB will take these matters seriously and compel Vanderbilt to provide a just resolution. 

Sincerely, XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation