Consumer complaint received 2026-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding serious servicing errors improper loss mitigation handling a breach of privacy and defamation of credit reporting and now a forclosure is scheduled for today XX/XX/XXXX In XXXX of XXXX I contacted my servicer ( Village Capital and Investments LLC ) to ask for help with lowering my payments because I had lost my full time job. I still had a part time job but I was struggling. I was told they can't help me until I am at least 90 days delinquent on my loan. So I followed their direction in hopes they were going to help me. XXXX of XXXX I contacted them again to say I'm 90 days delinquent can you help me now. They filled out a loss midigations application said I qualified sent me documents to sign and notarized all documents were sent back on time last document being from my ex husband of 13 years who was not even on my loan he received email confirmation stating the document was received. I called them a few days later for the status and was told to call back every day for XXXX or XXXX ; days until finally being told they denied me due to my documents not being received on time I told them I have email confirmation from them. Then they said I was correct It was there on time it was there but not to the right department on time so they still have to deny me. Another application was filled out. The papers they sent to me this time were part mine and part were another borrors private information. I was told to shred the papers and wait for more On a third attempt, they sent another packet that once again included the name of my ex-husband, XXXX XXXX XXXX, who has never been a borrower or co-borrower on this loan. This repeated error could distort my loan records and reflects continued negligence. Collection and Servicing Negligence These errors have caused unnecessary delays, added confusion, and possibly impacted my mortgage standing and credit profile. I have since received a debt collection notice from XXXX XXXX, XXXX, referencing this same account. I have already submitted a formal written dispute and request for verification under the FDCPA and RESPA. What I Am Requesting A formal CFPB investigation into Village Capital & Investments servicing, document handling, and data protection practices. Full verification of my account records, including all communications and decisions related to my assistance applications. Confirmation that Village Capital has secured my personal information and addressed the privacy breach properly. A written explanation of how these repeated errors occurred, who was responsible, and what steps have been taken to correct them. Reinstatement or reevaluation of my eligibility for any loan assistance or modification program I was denied due to their mishandling. Any applicable restitution or corrective action that CFPB deems appropriate. Supporting Documentation Submitted breach under the Gramm-Leach-Bliley Act and suggests their information handling procedures are unsafe. Wrong Personal Information on My Account On a third attempt, they sent another packet that once again included the name of my ex-husband, XXXX XXXX XXXX, who has never been a borrower or co-borrower on this loan. This repeated error could distort my loan records and reflects continued negligence. Collection and Servicing Negligence These errors have caused unnecessary delays, added confusion, and possibly impacted my mortgage standing and credit profile. I have since received a debt collection notice from XXXX XXXX, XXXX, referencing this same account. I have already submitted a formal written dispute and request for verification under the FDCPA and RESPA. What I Am Requesting A formal CFPB investigation into Village Capital & Investments servicing, document handling, and data protection practices. Full verification of my account records, including all communications and decisions related to my assistance applications. Confirmation that Village Capital has secured my personal information and addressed the privacy breach properly. A written explanation of how these repeated errors occurred, who was responsible, and what steps have been taken to correct them. Reinstatement or reevaluation of my eligibility for any loan assistance or modification program I was denied due to their mishandling. Any applicable restitution or corrective action that CFPB deems appropriate.

Company response to consumer: Closed with explanation