Consumer complaint received 2023-09-15
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX 2022 I applied for a suspension ( which my definition and freedoms are very different ) on my mortgage from Freedom Mortgage due to health disqualifications per a federal agency.Which was just a phone call and nothing more I also received a letter in XXXX stating that I suddenly had to have {$450.00} in my escrow, ( has always been {$250.00} per VA mortgage until now ) this letter was sent when I had {$900.00} in my account, but freedom removed {$500.00}. This is a prime example of freedom 's mentality. I never received a check, and I paid all payments and taxes myself up to this point. I called back in XXXX for more time because I was near the end of SSXXXXI process I was granted to the end of the year Note this is TWICE freedom has agreed to the situation. I did send updates as far as my status..I received at least 4 notices that everything was acceptable and I needed to do nothing more. I also received a letter stating that I qualified for between 5-7 Covid -19 grants, ( don't remember exact number ) but didn't qualify for anything VA, go figure.I think it's because VA watches too closely, I mean it is a VA loan after all. I never saw anything from the grants. Freedom did everything based on COVID'19, I never said/used this term.I finally in XXXX I was approved, and let freedom know right away. I received a letter pretty quickly to start paying {$1000.00} starting in XXXX, continuing through XXXX I did just that. Then come XXXX, I contacted my property appraisers office to learn freedom had not yet filed my XXXX status change ( remember, they knew in XXXX ) so I filed myself.Which according to all involved is supposed to reduce my property taxes, and I have not seen this. This is also according to property appraisers office, something is not right and warrants an investigation, this is attached to the situation. this is when everything got bad for me. They had tried to get me to sign a notary paper, on the side walk I guess, which is attached.You 'll see 2x-3x paying things. Freedom cancelled this, can be verified by notary company.Nobody seemed real interested in getting it done anyway.But stated I cancelled it?? Me? how?. This is freedom also, it is always the customer not the company, not the employees. Don't exactly understand what they do except send contradictive letters and give wrong information on the phone, and also no inter-company communication You can call 5 times in a week, and you will get 5 different answers..I think it is intentional, so customer never really knows whats going on.Why else run a company so poorly. In other words one says Im paying the other treats situation as if I never paid ( i.e if you want to start paying, call this number and of coarse shes not available never calls back ). Then the payment refusal started. I tried to set up a payment for XXXX and there was no way to do so.Just the XXXX XXXX  or XXXX XXXX options, knowing since XXXX I only have SSXXXXI.Why is the XXXX, XXXX, XXXX not with standing? I agreed on nothing else, show me in writing and my signature if they say different. To date they still refuse to acknowledge my XXXX status.Freedom likes to decide in their favor for veterans, They will say " what you wanted is all done, here it is '' but yet I never even talked to anyone.Freedom is all about lining their pockets at any cost to veterans, IM just speaking from my life.Freedom is unrealistic, very anti-veteran, and very anti-XXXX. They will not acknowledge or modify for me, its was stated in writing The only modification to line their pockets, the attached notary as example.. I have done everything they asked except sign papers that actually a lot were false documents when presented because XXXX was not considered.Also obviously because I will not XXXX XXXXXXXXI dont appreciate freedom telling false reports to VA XXXX anyone else that I cant pay. or will not pay, they refused payment from XXXXI am sharing with the VA as well as the media.Freedom IS NOT taking my house because they refuse payments.Freedom agreed to everything, IM not going to punished or penalized because some jerk came into power or just doesn't like i will not be ripped off. Worst of all, I have never had a company send stalkers, I have video but cant get it to cooperate.3 different occasions, firs in XXXX he actually took pics through my window, second came day after hurricane and stood and looked in window, third was XXXX XXXX, XXXX XXXXonly one with seance-she stayed off the property but still filmed through my windowsXXXX and XXXX XXXX. The XXXX one actually stood at my window taking pics through it it. Now Im very uncomfortable, always looking out the windows thinking I see someone.I do have other documents but cant upload them So this will be a 2 part to 3 part complaint.Remember also Freedom refusing any payments. This situation is a great way to treat anyone

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