Consumer complaint received 2022-04-29
Company: Freedom Mortgage Company
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have sent Freedom Mortgage two ( 2 ) cease and desist letters, disputing alleged debt. I, XXXX XXXX, am the consumer and natural person and I am the beneficiary of my home and real property, located at XXXX XXXX XXXX The account in dispute was opened fraudulently and I have requested it be validated with the original creditor. I am attaching a copy of my deed and " Cancellation of Deed to Secure Debt '' showing that am the owner of my property and I have all rights to my property. 

Freedom Mortgage has been constantly violating my consumer rights by continuing to contact me and they are threatening to foreclose on my property. Freedom Mortgage has also fraudulently placed derogatory remarks and late payments on my consumer report, which is causing me distress and causing me to be denied credit, which is right as a consumer and natural person. This is a violation of my privacy as well, pursuant to violation of 15 USC 1692c ( b ) - ( b ) Communication with third parties " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' Freedom Mortgage has shared my personal information with several people.

Freedom Mortgage also continues to harass me via postal mail and electronic mail claiming I owe a debt, to which I have disputed on several occasions. This is a violation of my Federally protected consumer rights, pursuant to 15 USC 1692c ( c ) Ceasing communication. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that

the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. '' This harassment is constant and it is causing me stress. Freedom Mortgage has providing me anything of cash value in exchange for an alleged debt, yet they are claiming that I owe a debt to them. I do not.

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