Consumer complaint received 2019-10-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX, I have been trying to work with my mortgage company on extending my deferment. I gave them my military extension ( amended ) orders and requested to extend my deferment in a timely manner. Ive also provided them a copy of the California Assembly Bill No. 2521 of which amends Section 800 of the Military and Veterans code. It doesnt require to get any JAG Court Order whatsoever. Ive told them numerous times that this new amendment also covers 180 days within a 365-day period. All I am asking them is to please extend my deferent for six more months not the entire duration of my current XXXX XXXX. 

Now, I am here filing a complaint. On XX/XX/XXXX, what Section of the California Military and Veterans code did Freedom Mortgage Corporation referenced from? Do they have knowledge about The California Assembly Bill No. 2521? Ive also attached that assembly bill so please read its entirety. It amended Section 800 of the Military and Veterans code which changed the requirement to obtain a court order in order to extend a deferment for more than six months. All I need is a written request for a deferment to include an electronic communication, copy of my XXXX or XXXX order and any other information that substantiates the duration of my military service. In addition, the total period of the deferment shall not exceed 180 days within a 365-day period. I have been on XXXX XXXX for XXXX years without a break in service. I am also waiting for another military extension ( amended ) orders to continue my medical care and treatment for my injuries I suffered in the XXXX XXXX. 

All I am asking them is to please extend my deferent for six more months not the entire duration of my current XXXX XXXX. Please help me resolve this matter. Hopefully with your help, I am granted the additional six-month deferment I have been requesting for months. 

Assembly Bill No. 2521 An act to amend Section 800 of the Military and Veterans Code,  relating to the military. 
[ Approved by Governor XX/XX/XXXX. Filed with Secretary of State XX/XX/XXXX, XXXX ] AB 2521, Quirk-Silva. Reservists : active duty : deferment of financial obligations. 
Existing law, the California Military Families Financial Relief Act, authorizes a reservist who is called to active duty to defer payments on mortgages, credit cards, retail installment accounts and contracts, real property taxes and assessments, vehicle leases, and obligations owed to utility companies, for the period of active duty plus 60 calendar days, or 180 days, whichever is the lesser, as specified. Existing law requires the reservist or his or her designee to deliver to the obligor ( 1 ) a copy of his or her activation or deployment order and any other information that substantiates the duration of the service members military service, and ( 2 ) a letter signed by the reservist, under penalty of perjury, requesting a deferment of financial obligations, in order for the obligation or liability to be subject to the provisions of the act. 

This bill would delete the requirement to provide a signed letter, under penalty of perjury, and instead would require the reservist or his or her designee to deliver a written request by the reservist for a deferment of financial obligations to the obligor.

THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS : SECTION 1. Section 800 of the Military and Veterans Code is amended to read : 800. ( a ) Subject to subdivision ( b ), in addition to any other benefits provided by law and to the extent permitted by federal law, a reservist who is called to active duty may defer payments on any of the following obligations while serving on active duty : ( 1 ) An obligation secured by a mortgage or deed of trust. 
( b ) ( 1 ) In order for an obligation or liability of a reservist to be subject to the provisions of this chapter, the reservist or the reservists designee shall deliver to the obligor both of the following : ( A ) A written request by the reservist for a deferment of financial obligations. For purposes of this subparagraph, written request includes an electronic communication.

( B ) A copy of the reservists activation or deployment order and any other information that substantiates the duration of the service members military service.

( b ). In addition, the total period of the deferment shall not exceed 180 days within a 365-day period. 

Once again, to clarify, I am only asking for another six-month deferment because I have been on XXXX XXXX for XXXX years without a break in service. I am not asking for the full two years. I am also waiting for another military extension ( amended ) orders to continue my medical care and treatment.

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