Consumer complaint received 2019-12-29
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im currently behind by a few mortgage payments due to being scammed by my former tenants. It was not my intent to rent-to-own my home but to sell it. However, my former realtor did not exercise my rights or represent me with integrity and acted unethically. As a result he placed a couple whom I empathized with due to their incapabilities of purchasing a property due to their financial difficulties in my property. He misled them into believing theyd paid in advanced so they werent paying me accordingly, then began paying me late, and then stopped paying their rent entirely. At the time of their occupancy of my property I was residing at the apartment complex where I work and had become responsible for both my rent and my former tenants. I requested a substantial loan amounting in {$16000.00} to avoid my credit being ruined due to their irresponsible actions as I also intended on evicting the couple from my property. Unfortunately, for my family and I my former realtor refused to assist me with the filing of forms necessary to evict the couple from my home so I persisted with hiring an attorney whom supposedly specialized in real estate/landlord-tenant matters only for her to take my money and not help me fill the form correctly. The end result was me taking a major financial loss due to what my former tenants attorney depicted as an erroneous filing of a form although my former tenants had in fact scammed me out of several thousands of dollars and was granted the ability to continue to occupy my property at my expense while my family and I had no where to live. Ultimately, when the tenants vacated my premises in which was after the scheduled time frame they were set to leave they completely destroyed and damaged my property past the point of it being habitable. They broke a window and lied and said they didnt, they soiled the newly installed carpets from pets they had concealed at the time, and they left a window unit in the master to which was leaking profusely and caused mold damage which infested the master in its entirety. Also, I believe they were fiddling with the pipes as my former tenant stated he and his father in law would be handling many of the repairs that needed attention at the property due to his said handy ways which led to bolts/nuts on the piping apparently being loosened as I discovered after having to remove the wall in the laundry area exposing significant water damage and mold. Essentially, I not only loss a lot of money from the breaching of the rental agreement, but I now have multiple hits on my credit report, and I have loss my wife and children whom can not occupy the property with me due to its conditions, and I have now been subjected to an even bigger problem of having to repay the loan I took out to evict the tenants therefore I can not necessarily to improve the quality of my life or my family.

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