Consumer complaint received 2024-02-02
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Please HELP : Current mortgage servicer is Freedom Mortgage. This company continually fails to meet servicing requirements to include but not limited to : Cashing mortgage payments then claiming they have not been received, ( Bank statements and USPS signed receipts to prove ) not applying mortgage checks to my mortgage, ( Monthly loan statements to prove ) charging erroneous late fees in lieu of this fraud and deception, refusal to validate me when I contact them via phone resulting in a failure to provide information about my loan, failure to provide documentation of missing escrow funds, attaching fees to loan for escrow funds which have already been collected, refusal to update legal personal information for over 2 years, ( UPSP signed receipt of documents ) failure to respond when sent letters demanding explanation of failure to adequately service my loan. ( online portal date and time stamps for proof ) continued attempts and efforts to stonewall clients with the claim of " unable to validate homeowner at onset of calls. '' resulting in a XXXX communication response in regards to homeowners loans. Freedom Mortgage has put more effort into being dishonest and committing fraud than it has in proper legal servicing of this loan. At this point any attempts to contact them have proven useless and I am now pursuing a formal avenue of complaint, Federal trade commission has received this same request from me. Freedom Mortgage has XXXX intention to act in good faith and has created a " Forced to XXXX '' scenario, XXXX which if I do not participate in, will undoubtedly result in the homelessness of myself and my XXXX children. 
****Previous issue which has been corrected : Mortgage company misled me for a year and a half claiming loan assumption was to be completed following divorce, after receiving monthly payments from me for this time period, monthly, on time, full amount, they then refused to accept my payments and placed my home into foreclosure, to which they then reported to the credit bureaus with the claim of " Failure to pay '', returned my mortgage checks and then continued to lie while " correcting '' this issue, claiming they did not receive documentation from me. USPS sign receipt, online portal uploads with date and time stamps, letter from Freedom mortgage acknowledging receipt of documents for proof ) Freedom Mortgage has SOLD my personal information without my consent on XXXX separate occasions ; once when they placed the home into foreclosure, and again when the XXXX assumption was finally completed. This company has an incompetent employee force which has told me contradicting information every single time I have contacted them. ( Highly encourage subpoena of all phone records in regards to my loan ) I am in fear for the livelihood of my children ; Freedom Mortgage will stop at nothing to put XXXX veterans and their minor children out on the street as they have attempted and nearly succeeded once already. I know I can not be the only homeowner these actions are being taken against. I am requesting assistance in the correction of this gross fraud committed against me and my finances, no family should be put through this level of emotional unrest. Please help me.

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