Consumer complaint received 2019-07-01
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage has sent my home into foreclosure as of XX/XX/XXXX claiming that they have received zero payments from me since XXXX XXXX XXXX. We received zero notice of any issue until XX/XX/XXXX. I pay my mortgage through my bank ( XXXX XXXX ) using their online Bill Pay service. Freedom mortgage says I haven't paid since XX/XX/XXXX, and my bank has proof of sending checks to them and Freedom Mortgage cashing these payments. My bank has record of payments made XX/XX/XXXX ( {$2000.00} ), XX/XX/XXXX ( {$1400.00} ), XX/XX/XXXX ( {$1400.00} ), XX/XX/XXXX ( {$1500.00} ) and XX/XX/XXXX ( {$1500.00} ). When I received my XX/XX/XXXX check ( {$1500.00} ) back in the mail along with a notice that this was not enough to reinstate my account and my account had been put into foreclosure, I immediately called Freedom Mortgage and spoke with XXXX ext XXXX. She was unable to explain to me why they had received payment yet it was not applied since XX/XX/XXXX. So therefore, none of the {$7800.00} in total payments had been applied to my monthly payments. The only trace we could find is the {$1500.00} XX/XX/XXXX check they sent back to me which clued me into the problem and foreclosure proceedings. It is important to note that my home for which this mortgage is held is located in XXXX XXXX, Florida in XXXX county which was hit by Hurricane Matthew and Hurricane Irma, causing flooding and damage in our home for which we reported and filled out loss and hardship paperwork that they are now saying they never received. Even with the disaster and hardship, I still made my loan payments. The amounts are varying because each time I would call to get things straight I was told different things and how to handle and what to pay to stay current. Because of all this " run around '' I really have overpaid since XXXX by almost {$5000.00}. Just since XX/XX/XXXX ( when they say I haven't paid ), I paid total of {$7800.00} which is about {$450.00} to {$500.00} more than they say I owe and didn't. Because of the disputed payments, my bank ( XXXX XXXX ) has walked me through reporting Freedom Mortgage for fraud. Essentially, I have been put in foreclosure illegally and this will be audited and I have retained a lawyer. I tried multiple times to reach out to Freedom and handle this timely and make it right, but they won't even let me speak with a supervisor, nor can they give me a real answer where all my money has been applied. So XXXX XXXX is doing a fraud investigation because Freedom Mortgage are thieves and are trying to scam me ( a widow with XXXX kids ) out of my home. The fraudulent accusations of default and foreclosure has ruined my credit to the point of making it impossible to find another place to live. All this, as if I have been some delinquent who doesn't pay her bills. Well, I hope they like it when their shady business dealings and customer service incompetence is exposed. My bank has proven you took my money, now you need to give it back or apply it to where it was originally intended, my mortgage payment. I refuse to be just a easy prey you can scam to make a profit. I will be a thorn in your side until you make my payments reflect and take it OFF of my credit. I will take this as high as I need to go in your world.

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