Consumer complaint received 2019-11-12
Company: Freedom Mortgage Company
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX I received correspondence on behalf of Freedom Mortgage that my house at XXXX XXXX XXXX XXXX would be going into a foreclosure sale the XXXX week in XXXX. County records show that on XX/XX/XXXX the Home was sold ( wrongfully ) Due to forced legal difficulties {$130000.00}. The house was then  sold for {$140000.00} to a XXXX XXXX XXXX Minus the approximate {$150000.00} I owed. this would leave a deficit of {$16000.00}. The VA gave Freedom Mortgage over {$33000.00} for loss on this home. 

Freedom mortgage still claimed I owed them after receiving the money from the VA. They continued for almost 2 years and still continue to this day report this Foreclosure as openly active. If the Home was sold in XXXX No more data should have been reported after then. They continued to report this erroneous information to all 3 credit bureaus. 

On XX/XX/XXXX I called Freedom Mortgage with an XXXX   Customer Service Representative on the Phone. They told the rep in recorded conversation that the house was in foreclosure and everything was being reported correctly. I then told them they wrongfully foreclosed on my home and I had previously sent them letters and notices which they just blatantly disregarded. 

After our phone call I sent them over the letter from one of their many mortgage servicing companies and told them that this should have been sent over with my file since the gentleman on the phone XXXX stated that all information should have been sent over when my loan transferred, but Freedom Mortgage has been penalized in the past for not keeping updating records and for fraudulent records. Which in a prior phone call that same day another agent in a recorded conversation said that he couldn't even find an account for me after searching using my phone number, name, email, address, and social security number. In the email I sent along with the letter I informed them that the VA said they would have to have a court order to foreclose on my home. 

I then called again on Sat XXXX the XXXX and was told that they are no longer trying to collect on the account and that it was a {$0.00} balance. I then proceeded to ask for the Trustee Sale Deed from the house and a statement account showing a {$0.00} balance. The agent said that the soonest I would receive those instruments was on XX/XX/XXXX. I said ok. 

I called again on XX/XX/XXXX and in a recorded conversation the agent was saying things like " whoa how did this happen '' " wow '' " we definitely got the ugly side of the stick on this one, I'm not saying its your fault. I just don't see how it happened '' I then asked him for the Trustee Deed from the foreclosure sale and the statement from my account. He then proceeded to tell me it would take a week. He apologized over and over that this had happened and that they should be taking care of their veterans. He then in so many words tried to blame me saying it was due to my name change and all of that and I proceeded to tell him I had ben reaching out for almost 2 years to get this resolved. Again conflicting information just over a few days. I asked him why and he said it had to be created. Interesting. Shouldn't this be something already on file. I printed out my statement online and it is so contradicting. Dates does not add up amounts does not add up or any of those things. The information they give over the phone and the information on their website is so conflicting and contradicting.

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