Consumer complaint received 2017-12-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : XX/XX/XXXX XXXX XXXX and XXXX XXXX have requested Freedom Mortgage ( FM ) close our escrow account. They continually force payment on us and keep raising our mortgage payment even though the property is now homesteaded and property taxes have gone from {$1400.00} down to {$710.00} for the year and property insurance remained the same both years. 
On signing of the contract, on XX/XX/XXXX we paid {$330.00} into a property and tax escrow on that date. Since then, I have made 32 escrow payments into escrow since XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX will be 33 payments. XXXX x $ XXXX = {$6100.00}. In addition, in XX/XX/XXXX FM made us pay an additional {$2200.00} and {$230.00} in addition to my monthly payment for that month or they were going to penalize us with additional charges. I have an EXCELLENT credit rating and dont want them ruining it, so we paid it after talking to them it was no use we are being strong armed. We need help. So to date they have collected {$9000.00} just in escrow ; they of course have been getting their principal and interest with each of these 33 payments. 
FM has paid out 2 condo insurance payments of {$660.00} for both XX/XX/XXXX and XX/XX/XXXX for a total of {$1300.00} and 2 property taxes 1 year was {$1400.00} and the 2nd year was {$710.00}. The property is homesteaded to me now so the taxes dropped XXXX. Yet FM used the unhomesteaded value of {$1400.00} to collect escrow and raise my mortgage payment from me in the future. Even though I explained to them I live in the condo year round and they had just recently paid the {$710.00}. Its crazy! 
So {$9000.00} - {$3400.00} = {$5500.00} that they are still holding of my money. I would like this refunded immediately. They think they only owe me {$670.00} in overcharges for the escrow they have collected from me/us. 
Starting XX/XX/XXXX, I want to just pay them my 30 year fixed mortgage of {$310.00} that we all agreed on and stop the madness of the escrow they keep XXXX me around with. I will pay my taxes and property ins myself. 
In addition, they know XXXX and I are divorced and that the court awarded me the condo and XXXX the house in Michigan as the settlement. So they keep making the checks out to XXXX XXXX AND XXXX XXXX only and then I have to mail the checks to Michigan and have him sign them and return them to me which is costly and time consuming. I have asked them to please make any checks I receive from them out to XXXX XXXX OR XXXX XXXX. Not to XXXX XXXX AND XXXX XXXX. When I asked them to refund my OVERPAID money from escrow, they kindly obliged and sent me {$670.00} and made it out to XXXX XXXX ONLY. When I called FM they said to void the check number XXXX and they would see what they could do then mail me another one. Which they have not done but they have bombarded me with letters as to why I cant close out them collecting escrow from me and let me just pay them my 30 year fixed rate mortgage of {$310.00}. 
They wont listen to me or let me talk to anyone in the Escrow Dept. They state the escrow department for FM for my loan is in XXXX XXXX. 
I need ALL correspondence with them sent to my homesteaded address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX and to use my home phone number which is XXXX and my email address of XXXX. 
*I stopped at Freedom Mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX and was directed to XXXX XXXX , production Assistant XXXX ext. XXXX, after some man walking into the office right behind me asked me what I wanted. XXXX XXXX informed me she could not get me a copy of all my escrow principal and interest payments, that I would have to call FM in South Carolina to get it. I stopped in there because I had already asked FM in S.C. for a copy of what they state I have paid, however FM in S.C. has yet to send me a copy of all my escrow, principal and interest payments either. I am confused why FM in XXXX XXXX couldnt print this out for me. ( So my bank sent me a copy on XX/XX/XXXX of all the payments I have made to FM ) Again FM still hasnt mailed me any verification of any payments I have made. The {$180.00} came from a Freedom Mortgage rep on the phone. 
If there is compensation for pain and suffering and/or interest on the money they have been stealing from me, I believe it should be awarded to me for all they have and are still put me through. And how many other customers are they overbilling and not refunding their money. Please help me end my escrow payments to this company and get a complete refund of ALL the money they have stolen from me. Thank you in advance,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation