Consumer complaint received 2022-12-01
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage is doing everything they can to steal my home through foreclosure auction. I have a government backed USDA loan and have been submitting documents to them electronically for over 4 months, and they have been intentionally misrepresenting my status, and misplacing document. This past week they told me I had to get the requested documents in to them by XX/XX/XXXX otherwise they would move to foreclosure, and they verified it was all received on XX/XX/XXXX, then today they added new items to the list and said my house is going to foreclosure sale on XX/XX/XXXX. This is unethical and illegal. When I spoke with a supervisor today after they told me I still had a sale date he told me they have XXXX XXXX loans and we can't expect them to keep track of every document on every loan. EXCUSE ME???? They are trying to sell my house!! They filed a legal notice in court stamped XX/XX/XXXX and they give me 20 days to respond to dispute the ruling. This deadline would fall after the foreclosure sale date, which is a violation of Pennsylvania law ( document attached ). I have a valid dispute, I have been providing documents to Freedom mortgage for 4 months straight and have electronic records to back up my claims. 

I fell behind on my mortgage in XXXX due to XXXX and they were going to auction my house in XXXX, but I was able to get them to offer me the CARES forbearance since this is a USDA loan. At end of forbearance I began sending in paperwork ( have electronic records ) but this is a shell game, they run you in circles over and over. A full package was sent on XX/XX/XXXX. Each time when I would follow up it would be something different that they were missing, even though I have proof that these items had been submitted before. When it seemed that I had all of the documents in, they said I had filled out the wrong Freedom mortgage assistance form, I filled one out for FHA instead of USDA or something like that, even though Freedom is the one who sent me that form. CARES program recipients are guaranteed to be reviewed for modification, but Freedom does not want to follow the rules and instead sell my house if XXXX out of the XXXX documents I sent them is on the wrong form!!! This is the second time in last three months they have received the documents in time but still tried to sell the house, had a deadline to submit by XX/XX/XXXX they would postpone the upcoming sale date. Documents were emailed to them before the XXXX and Freedom told me the papers were in their system but the right person had not reviewed them yet so we are selling the house, but finally got it stopped. Followed up on XX/XX/XXXX they said they had everything, but when I check in week later they said they did not have XXXX taxes ( sent in XXXX ) so send on XXXX XXXX, then they told me that the financial statement was missing the signature page so I sent that again on XX/XX/XXXX, then they said they did not have all the pages of the financial statement so I sent it again on XXXX XXXX, along with taxes again and they said it was fine because it was all in before XXXX XXXX so sale date would be cancelled. When I called in today the agent told me that they had just found that XXXX things were missing -- a " properly filled out 4506 form '' and the tax return was not signed on Page 2. '' I got a manager on the phone and tried to find out what was wrong with the 4506 form I submitted, but he did not know, and I reviewed the original which was completely filled out and sent it again. It is true that Page 2 of the tax return was not signed and dated, but that has been taken care of. 

The bigger issue is that SHOULD I LOSE MY HOUSE TO FORECLOSURE IF I SENT THEM TAX RETURNS THEY REQUESTED BUT DID NOT SIGN PAGE 2??? Or if my information is on the wrong form because they sent me the wrong one? No one told me what the problem was with the tax returns until today. This is a scam. I am complying with their requests and obviously working with them.

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