Consumer complaint received 2017-01-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I got several letters from the company I have a mortgage with suggesting I contact them to refinance my mortgage at a lower interest rate. As I had refinance less than six months earlier I called them to tell them they could stop sending me these letters. They told me that indeed I could refinance so I started the process. During this process I was asked for information I had n't been asked for during the previous refinance. I spoke to the person processing my request asking why this new information was being requested. I was told that every underwriter had different information needs and that the underwriter processing my request was picky about the information they wanted. I sent the information they requested. Then I got an email as follows : " The underwriter 's manager has verified we do need some to verify you will be receiving XXXX for the next 3 years. You can obtain documentation from the Department of Labor. Per the underwriter and the manager of the underwriter only this item is needed. I will call you today to further explain. '' When I spoke with the processor he explained that the underwriter felt I was too young to be getting Social Security therefore needed a letter from the Department of Labor or from my doctor stating that I would be on XXXX for the next three years. I told the processor that I did n't think the Dept. of Labor had anything to do with the Social Security Administration 's XXXX payments but that I would try calling the Dept. of Labor anyway and that I would contact my doctor. After doing both I sent the following email to the processor : " We spoke this morning on the phone. I 've never dealt with the Dept. of Labor regarding Social Security XXXX. These are two different departments of the federal government. According to the representative at the Dept. of Labor this department has no interaction with Social Security regarding XXXX claims and, therefore has nothing to give me to prove that I 'm XXXX or how long I will be XXXX. Perhaps I can get what your underwriter and your underwriter 's manager want if you can give me contact information at the Dept. of Labor. As far as getting verification from my doctor, she ( my doctor ) is concerned that the kind of information you are requesting is a violation of HIPPA and age discrimination and is therefore reluctant to give you any information. I 've been XXXX for over XXXX years and that is, unfortunately for me, not apt to change. If it does change I will be making far more money than I make on XXXX as I have reinstatement rights with the State of California who was my employer at the time I became XXXX. Additionally, you requested written notice from me that I 'm cancelling my request for refinancing with you. I wo n't give that to you as I am not cancelling this request. Further, I am herby requesting from you notice that you will not refinance my mortgage including your reasons why you are cancelling my refinance. 
Sincerely, XXXX XXXX '' I then received a form letter in the mail titled Statement of Credit Denial, Termination or Change with a description of action taken being Withdrawn We have acknowledged your withdrawal request. 
As you can tell from my email to them, I never withdrew my request. Is n't this discrimination? Thanks for your time.

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