Consumer complaint received 2017-03-15
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage holder, has attempted to, and is presently trying to, fraudulently foreclose on my home, doing so for years now, using various extreme predatory lender tactics. They are Freedom Mortgage, my loan number is XXXX, their phone number is : XXXX XXXX XXXX XXXX. The property address is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. 
I was referred to you by my US Congressman XXXX XXXX that sent an inquiry on my behalf to you yesterday. 
Freedom Mortgage is colluding with our homeowner 's insurance provider, XXXX XXXX, to literally steal our home. This has gone on for at least two years and is out of control. A couple of months ago, our lender, and our insurer, nearly succeeded on foreclosing on our VA Home loan without us even knowing about it. 
Our home has been gutted down to the bare wood underlayment subflooring with several walls, ceilings, and fixtures demolished. The home is obviously unlivable, and it is dangerously contaminated. There was a break-in while we were gone, blood and XXXX sprayed everywhere through our home, the intruder died there, the police investigated and emailed us that he had been dead there for several days. 
We requested to our lender XXXX Freedom Mortgage XXXX that they allow us to not pay our mortgage till the home could be repaired or replaced. They refused to cooperate, months later they finally sent us forms so we could fill them out to stop having to make payments, we submitted them, they vaguely claimed to have lost the application and or lied and said they never received them. 
The lender has several times transferred our mortgage to other entities, other companies, then gotten back to them, to cause confusion and failure of automatic payments to go through. It has been a huge battle for several years just to get them to cooperate so we can have automatic payments so we do not fail to make a payment. Because they have moved our mortgage around so much, when we make a payment, either automatically or over the phone, it does not go through. We call them and they say they received the payment, but later they claim they did not. They often charge late fees as part of this elaborate scam, that we have to fight them about too. They are always hostile and provoking on the phone. 
Just like our lender, our insurer cancelled our policy in secret a few months ago, did bizarre things in conjunction with our lender to block our payments, instead of the lender working properly to make sure we had insurance. They both create paper trails that make it look like they are cooperating but they are not. Our insurer sent a Claims Adjuster to our home that we met there for his inspection. He had 4 other people with him, from a crime scene clean up company XXXX called XXXX XXXX as there was a police report on file of XXXX XXXX XXXX XXXX, XXXX. 
Our home can not be remediated of XXXX XXXX. 
The Adjuster was hostile and dangerous acting and would not leave and let us lock up the property. We had to call 911, two sheriff 's cruisers arrived almost immediately, they all tried to con the cops into arresting me but one of the cops that knew me saw through his plan. He had already lied on the 911 tape to dispatch over my cellular speaker phone about his description and color of his car. He had a XXXX but kept it in his waste band under his shirt most of the time. Our home was taken over by force like that because our insurer, in cahoots with our lender, do anything and everything to criminally take our home from us. We have a low fixed interest rate, about {$70000.00} equity in our home. The lender has tried to get me arrested, conspiring to wrongfully take our home, knowingly exploiting my extreme 100 % service-connected XXXX from honorable war service in the XXXX XXXX XXXX. Freedom Mortgage is vicious, sneaky and predatory.

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