Mortgage -- Trouble during payment process -- Complaint #18276958
Complaint Overview
Complaint ID: 18276958
Company: Village Capital & Investment LLC
Product: Mortgage
Sub-Product: VA mortgage
Issue: Trouble during payment process
Sub-Issue: Payment process
State: Missouri
ZIP Code: 63379
Date Received: 2025-12-24T12:00:00-05:00
Date Sent to Company: 2025-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX Sent a message through their messaging portal. Subject : " Principal Curtailment & Wire Request '' Body : " I am preparing to make a one-time {$270000.00} PRINCIPAL ONLY payment via wire transfer. Please provide the following : Wire Instructions : Provide the current warehouse/corporate routing and account numbers for a principal curtailment. Prepayment Penalty : Confirm there are {$0.00} prepayment penalties for a payment of this size. Application Instructions : Confirm the " Reference/Memo '' format required to ensure these funds are applied strictly to principal and not held in suspense or used to advance the due date. I intend to maintain my current monthly payment of {$3500.00} following this curtailment. Please confirm receipt of this request. '' No response. Notably, every day I do not pay down this amount of the principal, I am losing {$60.00} in interest simply because they have no incentive to allow me to pay. XXXX XXXX XXXX - Recorded call. Called and spoke with a customer service representative and explained the situation and request above. They submitted a task for an email with instructions to be sent to me by " end of day tomorrow ''. XXXX XXXXXXXX XXXX - Recorded call. Called and spoke with another customer service representative. Made it clear that they were in violation of RESPA. They said that the task from yesterday was still open and that I should get an email by the end of the day. I asked what happens if I don't. No answer. Asked for a supervisor. Denied. It's now almost XXXX XXXX, I still have no instructions email, and I am unable to go to the bank for the wire at this point, so I am out another {$120.00} as the banks are closed on XXXX.
Frequently Asked Questions
What is Complaint #18276958 about?
Complaint #18276958 was filed against Village Capital & Investment LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-12-24T12:00:00-05:00.
How did Village Capital & Investment LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Village Capital & Investment LLC?
Yes, visit the Village Capital & Investment LLC company profile at readthecomplaint.com/company/village-capital-investment-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.