Consumer complaint received 2023-01-20
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing a formal complaint and requesting an investigation of possible predatory/unethical practices of Freedom Mortgage. I purchased my home on XX/XX/XXXX. In XXXX of XXXX, my husband and I fell ill with XXXX XXXXXXXX, and our mortgage was placed on the FHA forbearance program for 12 months. In XX/XX/XXXX, I applied for a partial claim to put my owed amount on the back end of my loan. Freedom mortgage received my application and proceeded to pull my home title for liens and judgments. Upon pulling of my title, Freedom Mortgage alleges that there was a HOA lien associated with my home title ( My home is not an HOA ), they claimed that the judgment was placed XX/XX/XXXX. I did not purchase my home until XX/XX/XXXX. 

I explained this to them over the phone and supplied documents via email of my title insurance policy guaranteeing no judgments or liens found on my title or against my husband and I at the time of purchase. During this process of my application being reviewed I was sent a letter ( see attached ) that stated I had until XX/XX/XXXX to supply supporting documents of " release of HOA lien '' before any further action was brought unto my account. 

I supplied my title insurance policy clearing my title on XX/XX/XXXX via email ( SEE ATTACHED COPY ) to their loss mitigation department. On XX/XX/XXXX I was notified via email of an account status change and found out that I was taken off loss mitigation without any explanation. I called their customer service number and wasnt given a clear explanation of why I was taken off loss mitigation but was assured that I would be placed back on since I promptly supplied the necessary documents for my partial claim application. 

I called every day since the XXXX and was given constant reassurance that I would be placed back on loss mitigation with each representative making " notations '' in my account to have me placed back on loss mitigation. However, I was never placed back on loss mitigation, which protects my home from foreclosure proceedings. 

On XX/XX/XXXX I received in the mail, Notice to intend to Foreclose my home ( SEE ATTACHED ). The letter was dated XX/XX/XXXX. Which was weeks before the initial date of XX/XX/XXXX that they gave me to supply my supporting documents before any further action was to be taken to my account. 

I called again to their loss mitigation department and upon further investigation found out that I was taken off of loss mitigation in error and that the name associated with the lien on my home was similar to my husbands name but not his correct name. My husbands last name is similar but not exact to the name associated with the alleged judgment lien. When I asked whether their title searched included other identifiers such as social security numbers or other forms of identity, they could not tell me. 

From what it seems like the judgment liens that were allegedly found against my home are of a person with a similar name of my husband, but they are not the same person. In addition, I did my own investigation to try and find said judgment liens against my home and found no trace of what Freedom Mortgage alleges was found in their title search. Nothing on our credit report XXXX XXXX XXXX XXXX, or land records. 

I have since paid {$130.00} to my original settlement company to perform an updated title search so that I can have definitive proof of what is and isnt on my title. I have not been given any documentation of the alleged liens that were found on the title search report from Freedom Mortgage, I only have the information that Freedom Mortgage customer service representatives have given me via phone. 

Freedom Mortgage has lost my trust during this process, and I believe there is a possible conspiracy within the company to foreclose homes under FHA Forbearance. I am requesting an investigation into my account with Freedom Mortgage and for my account to be placed back on loss mitigation IMMEDIATELY to prevent further foreclosure proceedings. 

I have attempted for over a week now to get this resolved and it is clear that Freedom Mortgage is either outright refusing to place my account back on loss mitigation or their loss mitigation department is being grossly negligent. I am requesting assistance in this matter as soon as possible.

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