Consumer complaint received 2019-10-29
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the first payment of XX/XX/XXXX, the payment amounts have been inconsistent. Upon repeated telephone calls to Freedom Mortgage, we were told " it was because of the escrow ''. To confirm, I called both the Treasurer 's Office and Homeowners insurance company. They disagreed. My husband is the only one on the loan. Our house got appraised by a company working for Freedom Mortgage at {$170000.00} when our house is only worth {$58000.00} according to XXXXhe County Treasurer 's Office. At some time, according to Freedom Mortgage, our loan was sent to a servicing company. We had no idea and continued to make the monthly payments based on the amount on the statement to Freedom Mortgage. At some time, they contacted us and said, " they bought it back '' now with a different account number but the same interest amount. They attempted several times to modify the loan at a ridiculous amount of years ( 40 to be exact and the same 6.75 % interrest rate ). We disagreed. However, we made several payments of amounts doubling some times triple the amount directed to the principal. For the entire year of XXXX, Freedom Mortgage stated we did not make one payment. I would check the bank account, the check would be there deposited and funds removed, and I would contact Freedom Mortgage. The agent on the line would say " yes you are all caught up, even ahead ''. Your mortgage is in good standing. However, through mail and phone calls, they said we did not make the payment. on 10 different occasions, I got certified copies of all the payments made, the checks always written to Freedom Mortage and sent it to them certified with return receipt. I, XXXX XXXX wife XXXX XXXX am not listed on the loan but have taken the negative report to my credit history. XXXXE tried several times to refinance but Freedom Mortgage has hurt our credit. WE tried to pay off the entire balance in XXXX of XXXX and Freedom Mortgage said no. We had to file bankruptcy to avoid a foreclosure sale and we are not bankrupt. This company has been lying, harrassing us, stealing from us by putting the funds in an unapplied account, hurting us, threatening us for 12 years. We don't know what to do. We are out of the bankruptcy court as Freedom Mortgage said we had to do 3 months in a modification period. WE did by overnighting the payment. They denied they got them and XXXX XXXX ' law office proved otherwise. Now they want {$25000.00} plus to reinstate? Oh this company has hurt us in every way. WE are honest people, we have integrity, we just want to live in our house and enjoy it. Recently, our car was repossessed because the trustee did not make the payments to the car 's finance company. WE need help. I have called the local county attorney 's office, the attorney general 's office, XXXX XXXX XXXX Office, wrote to HUD, FHA, washington, an am exhausted. This company is stealing from us. I did call the Federal Bureau of Investigation and was advised to call your office. I pray that CFPB can assist us. Oh, I hope no other person is going through this. We have given them so much money and are hurting so much. To day, they are theatening yet again with a foreclosure. We have done what they have asked time and time again just to be threatened. Oh XXXX, please please help us and tell us what we may be able to do. Thank you for your time. My wife, an innocent bystander has been hurt and paid dearly.

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