Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
Supplemental Complaint & Rebuttal : Servicer 's Bad-Faith Claims, Pre-textual Denial, and Willful Endangerment of a XXXX XXXX XXXX  I am filing this third complaint to provide irrefutable proof that Village Capital & Investment LLC 's official response to my original complaint ( dated XX/XX/XXXX ) is built on a foundation of bad-faith claims and demonstrable lies. The servicer 's own actions and documents prove they manufactured a " procedural '' reason to illegally foreclose on my home.

1. The Lie : " Unsuccessful in Reaching You '' The servicer 's entire justification for the XX/XX/XXXX foreclosure rests on one claim : that my XXXX loss mitigation application was " cancelled as incomplete '' because " we have been unsuccessful in reaching you ''. 

This is a provable bad-faith fabrication. 

Village Capital is now, all of a sudden, in possession of my correct email address ( XXXX ) and is using it to send me acknowledgments of my CFPB complaints ( as evidenced by the email I received on XX/XX/XXXX ). 

This is not new information for them. I have written, documentary proof that Village Capital and its employees have been in two-way communication with me at this exact email address for years : XX/XX/XXXX : Their employee, XXXX XXXX , replied to my email and provided written confirmation that my " Protective order.pdf '' had been " received '' and " uploaded ''. 

XX/XX/XXXX : I sent a detailed email to their " Mortgage Assistance '' inbox detailing my XXXX, the quitclaim deed, and the protective order, and begging them to stop contacting my XXXX. 

XX/XX/XXXX : Their " Mortgage Assistance '' team replied to that email, confirming " We have received and they are currently pending review. ". 

XX/XX/XXXX : I proactively emailed their " Mortgage Assistance '' team to provide a " temporary number ''. 

They had my email. They had my temporary number. They had a documented history of two-way communication. Their claim that they were " unsuccessful in reaching '' me about the XXXX application is a lie. They clearly chose not to use my contact information, which was a willful, pretextual act to manufacture an " incomplete '' application, deny my review, and rush my home to foreclosure in violation of RESPA.

2. The Harassment : Willful Violation of a DV Survivor 's Safety My second, and more urgent, point is this : Is it acceptable for a federally regulated mortgage servicer to knowingly and repeatedly violate the safety of a XXXX  XXXX XXXX? 

XXXX XXXX is not just " making a mistake. '' They are engaging in a pattern of conduct that is so reckless it can only be seen as willful and intentional harassment. 

Fact XXXX ( Notification ) : On XX/XX/XXXX, their employee confirmed in writing that my " Protective order.pdf '' was " uploaded '' to their system. 

Fact XXXX ( Plea for Help ) : On XX/XX/XXXX, I informed them I have " XXXX from the horrific things '' and " would find it very helpful to stop being asked about her. ". 

Fact 3 ( Acknowledgment ) : On XX/XX/XXXX, their team confirmed receipt of that specific plea. 

Their response to being notified of a protective order and a XXXX diagnosis was to systematically continue the harassment. They have now put my abuser 's name ( XXXX XXXX XXXX ) on every single critical document sent to me, including : The XXXX Modification Offer ( XXXX XXXX, XXXX ) The XXXX Plan Cancellation ( XXXX XXXX, XXXX ) The XXXX Foreclosure Denial Letter ( XXXX XXXX, XXXX ) Their First CFPB Response ( XXXX XXXX, XXXX ) And, most outrageously, their Complaint Acknowledgment from XX/XX/XXXX. 

Their acknowledgment of a complaint about their harassment was, itself, an act of harassment. This is extreme and outrageous conduct. It is a profound violation of my safety and my rights, and it directly contributed to the " mental breakdown '' that led to my job loss and bankruptcy dismissal. 

3. The Servicer 's Confession ( The " VA vs. USDA '' Error ) Finally, while Village Capital lies to the CFPB and claims the XXXX application was " incomplete '', they are hiding the most critical fact, which is documented in their own denial letter. 

Their denial letter proves they did conduct an evaluation. And that evaluation was a farce. 

All shown in the documents submitted in COMPLAINT ID XXXX. 

On page 2 of their XX/XX/XXXX denial, they state in writing : " You were evaluated for mortgage assistance based on the eligibility requirements of VA, the guarantor of your mortgage. '' My loan is a XXXX  loan, as proven by their own XXXX modification offer. 

Their entire defense is a web of lies. They claim they couldn't reach me, when they had my email and updated phone numbers all along. They claim my application was " incomplete, '' yet their own letter proves they did evaluate it, but for the wrong federal program. And they claim to be a legitimate servicer while actively and repeatedly harassing a XXXX XXXX  for whom they have a legal protective order. 

This conduct is illegal, unethical, and has cost me my home.

Company response to consumer: Closed with explanation