Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OK

Complaint narrative:
I was asked to sign for new windows with Vanderbilt. I refused and told him that I had just put in windows some years earlier when I was working. I paid that bill off, and I wasn't looking for anything new. I don't have a job right now. I'm currently going to the workforce to receive training to find employment. All I have is my unemployment credit card, which I use to receive my unemployment benefits. He told me that since I wasn't working, I couldn't sign for the windows anyway. The man who signed for the windows was my husband. He charged me rent for about a year, and we agreed that I would make his window payment until I moved out. That lasted about a year, and then I moved into an apartment, because he said he was moving back home. We had gone to court previously for child support, so I thought he was taking me back to court. When I read on the paperwork that Vanderbilt Mortgage was taking me to court for a debt over {$13000.00}, I called them immediately. I told them that I haven't signed for a mortgage because I have been unemployed. I was told that I signed for the windows, and I was the responsible party. She also stated that I paid with my credit card. I told her that this was an agreement between my husband and me before I moved out of his home. She told me, " Well, you signed the contract, so this makes you liable. I asked her to send me a copy of the contract. I was sent payments with my name on the card, but I was never given a contract stating that this was my legal obligation to pay for something I didn't sign for. I have been trying to work with this company over the years, and I was just told by Vanderbilt that I couldn't pay {$5.00} a month anymore because they are not going by the previous contract. Even though I have been paying for a debt that doesn't belong to me, they want {$50.00} per month. I told them I only work one day a week, because I can't stand for a long period of time, due to the XXXX on my XXXX that I hurt years ago in the military. I can't find a decent job because Vanderbilt Mortgage has a charge-off on my credit report. Court records stating I was sued for something I didn't even owe. This should be his debt, not mine. I didn't sign anything! I have had offers to work at prisons, schools, and other state offices, but when they see my credit, I'm immediately turned down for a job I'm qualified for because of Vanderbilt. I feel like this is ruining my life because I have to work at a convenience store one day a week due to all of the XXXX in my XXXX. I have been making the monthly payments that were agreed upon by Vanderbilt. They are making me pay for a debt that is not even mine. I wrote a response to the judge, and I told her that this was not my bill. She didn't go off the contract ; she went off of what their attorney stated that it was mine, because I made payments from a XXXX XXXX that was issued to me from unemployment. I didn't sign anything, and I was in contact with XXXX because I was in a data breach. My information was stolen, and I was let go from a school job, because I got served while working at the school. I have tried working with this company, but they continue to leave my credit as if I have never made a payment for a window payment I didn't sign for, and there is no agreement that I would take on such a large debt with NO EMPLOYMENT. Why is everything changing now, and why haven't they updated my credit for all bureaus? It also states Joint Account, but with whom was the joint account? Why am I the only one paying for this account?

Company response to consumer: Closed with explanation