This company has added undo stress to thousands of families in their most critical times. They have humiliated us publicly to our family and personally. They have violated multiple federal regulations including ECOA, FCRA, FDCPA, RESPA, and UDAAP to name a few. They are well known in the industry for these practices and have done this to many other consumers. This company should be investigated and be mandated by federal authorities to cease and desist from these practices. They should be held financially liable for damages caused to the consumer. Vanderbilt epitomizes the reason that Dodd-Frank was passed and should be heavily scrutinized by industry regulators. The stress, anxiety, and mental turmoil that has been inflicted on countless homeowners due to their harassment, intimidation, and humiliation cannot go unaddressed. This must take place at a federal regulatory level as well as a civil level. An audit of their records including but not limited to their loan files, email, phone conversations, and all other manner of correspondence will unequivocally reveal all that has been mentioned in the complaints of homeowners and will provide the CFPB with adequate findings of ongoing regulatory violations sufficient to take all actions necessary as prescribed by federal law. Please contact the CFPB immediately to file a formal complaint against this entity.consumerfinance.gov/complaint/ Many other Vanderbilt clients have been abused in the same manner. Unfortunately, Vanderbilt has taken gross advantage of their borrower’s ignorance of the law. Many of your clients are poor, under-educated, financially illiterate, and otherwise incapable of defending themselves against your organizations manipulative and deceptive tactics. Unfair Deceptive Acts and Abusive Practices known as UDAAP violations readily defines the business practices of Vanderbilt Mortgage. Submit your complaints to the CFPB and ask for a complete and thorough audit of Vanderbilts unscrupulous business practices.