Consumer complaint received 2018-06-16
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
At closing XX/XX/XXXX of my refinance mortgage, I signed papers that said my new escrow account would be pre funded, that my first payment would be due XX/XX/XXXX and that my loan would possibly be sold, loan funded XX/XX/XXXX, maid check for XX/XX/XXXX Payment To XXXX XXXX XXXX, t but my mortgage was supposed to be deferred for 2 months XX/XX/XXXX, XX/XX/XXXX, but I signed the paperwork agreeing to a XX/XX/XXXX payment, out of lack of knowledge to the loan process. Mid XX/XX/XXXX I get a letter from new loan servicer, and owner /purchaser of my mortgage, freedom mortgage saying to stop all payment to old mortgage company XXXX XXXX XXXX XX/XX/XXXX but I had already mailed my check and XX/XX/XXXX the check i sent was cashed even though I gave plenty of notice asking for it to be forwarded, returned to me, or destroyed, see attached documents, and I was asssred it would be forwarded to the new loan owner. It wasnt, and wasnt reported, to my credit, or to the irs, except for the escrow amount included in the Payment which was forwarded as a cushion payment to the escrow account but In Truth no money was forwarded to fund the escrow and the $ sent over, that was applied to my escrow.was takin from my XX/XX/XXXX payment.that wasnt due to XXXX XXXX XXXX see attached documents, And the rest of my Payment wasnt subtracted from the loan principal it basically disappeared. No accounting of it, and still no payment to my escrow with the money estimated and takin from my closing, but when I got a wrong XXXX mortgage tax documents, I complained and it was adjusted, with a letter, from XXXX XXXX XXXX and freedom, apologizing for my experience with XXXX XXXX XXXX the first loan holder. Yet to this day the escrow account hasnt had the money, takin at closing aplied nor had my principal balance been corrected, and when I was told XX/XX/XXXX the was the last day XXXX could collect on payments, I never got the check or refund back, and the title company was instructed to pre fund the escrow, but ( according to XXXX XXXX ) the agent  at the title company, the old loan holder, got the money for the cushion,, and they didnt forward the money to new company.. see attached documents, also freedom and XXXX have tried to send me new documents, once I caught the mistake, and change the wording in there disclosure letters I will attach those at a later date, this whole process has been going on this long because Im a XXXX veteran both companies are aware if that, Ive been discriminated against, Ive filed complaints with the XXXX act, and with the veterans administration , as XXXX XXXX  XXXX attempted to sikence me by contacting the va and using my XXXX againsnt me saying I was harassing them and there stuff when I. Truth I was only asking legitimate questions and I got no answers so I got legal advice and i am basing my persistent validation of all XXXX based on information Ive been given, the evidence and proof is undeniable, and I couldnt get back to this any sooner as Ive also had a XXXX XXXX over the XXXX  from All this.

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