Consumer complaint received 2023-04-04
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage continues their unethical and illegal tactics in order to steal the equity from my home. They are not just stealing it from me, they are stealing it from the taxpayers and the government because this is a USDA loan. They intentionally lie, misplace, mislead and obstruct my multiple attempts over the last XXXX months to submit a package to be reviewed and considered for loan modification. Now the house is scheduled to be sold on XX/XX/XXXX. On XX/XX/XXXX I called in to check on my loan modification submission. They told me that all I needed to send in was updated pay stubs. I submit all of my documents via email and this was received and I called in on XX/XX/XXXX for an update. They told me that MY PACKAGE WAS COMPLETE AND THAT THE UNDERWRITER WAS GOING TO REVIEW AND I WOULD HAVE A WORKOUT DECISION WITHIN 30 DAYS. They said the only thing I needed to do was to continue to send my bank statement and my wife and my paychecks monthly. On XX/XX/XXXX I sent in the most recent paychecks as well as bank statement. Freedom called me on XX/XX/XXXX and told me that I had been sending in paychecks for my wife, and that they needed the full paystub that included the deductions and year to date. Freedom had my full package on XX/XX/XXXX but it was not until XX/XX/XXXX that they requested the additional information ( keep in mind they already had the paycheck!!! ) and it was sent the same day. XXXX days later Freedom called me and said that the date on the financial statement had expired ( again Freedom had all of my documents as of XXXX XXXX ). I updated the form and re-sent the financial worksheet with the current date on XX/XX/XXXX. I called Freedom and they verified they had everything. Freedom then called me on XX/XX/XXXX and told me that the signature page was " hard to read '' and could I send a clear copy. This was sent the following day. I was scared because the sale date was coming up and called them again on XX/XX/XXXX. They told me that the file had been reviewed and they decided not to re-open the review because the XXXX form that Freedom had provided to me was the OUTDATED VERSION. This is the form that Freedom sent to me and told me to fill out. The form had been with the underwriter since XX/XX/XXXX, yet it took them until two weeks before the sale date to tell me that this form was not acceptable, and that it was their fault. I asked if they were going to send me the correct updated form and they said yes, it was on it's way. One week later and this has not been sent to me via mail or email. I took the original XXXX form they sent me and I manually corrected the dates and sent this in to them with my signature. I also provided all pages of my 2021 tax returns. Freedom had my 2021 tax return page XXXX and XXXX since XX/XX/XXXX and told me the file was complete. Less than two weeks before my sale date they told me that this document would not work, that they needed all the pages. This came XXXX months after they began their review. No competent business or organization conducts themselves in this fashion. Freedom tries to blame the borrower but the fact of the matter is that this is an organized and systemic deliberate obstruction in order to steal equity from me the homeowner and also to rip off the government and USDA. I have enough money to pay my mortgage, but due to Covid I fell behind. I have spent 9 months dealing with this corrupt organization and someone needs to do something about them.

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