Consumer complaint received 2015-11-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (VA)

My late husband owned our home prior to our marriage and since his death XXXX/XXXX/XXXX, I have been attempting to deal with his mortgage company via their servicer, XXXX. My name was never on this mortgage or deed. Following his death I applied and was granted by bonding legal right to handle any affairs related to my husband. There are many issues I have encountered for three and one half years. The mortgage involved is # XXXX, the XXXX ID in the name of my late husband, XXXX XXXX XXXX ( SS # XXXX ) XXXX has had me apply for loan modification XXXX times to only be denied and notified me by the reply, " our investor has decided to decline to offer loan modification at this time '' with no further explanation. This mortgage has been involved in a " class action suit '', XXXX vs XXXX. This settled in XXXX XXXX. Since that time I have received over XXXX documented telephone calls from XXXX. Upon answering the calls I explained to the XXXX representative this is a difficult legal matter and I would not divulge information over the telephone that any requests for information or action need to be in written form to ensure adequate documentation. XXXX refused to put anything in writing until XXXX XXXX which were merely routine statement ( XXXX ) and notice of default ( not reg/cert ). They continue to call me each day without honoring the need for documentation. Total harassment. I never received restitution from the lawsuit, I was always sent an outdated check which was replaced XXXX times with more outdated checks. Until I spoke with the Veterans Administration on XXXX/XXXX/XXXX, I was not aware there is literally nothing I can do to resolve this. XXXX is unaware that I have this knowledge. They have drawn out this process XXXX XXXX yrs accruing huge substantial fees and penalties for the entire period. The mortgage has now been forwarded to XXXX of their legal firms, XXXX XXXX and XXXX, XXXX for foreclosure, the home is scheduled to be sold XXXX/XXXX/XXXX, and to this day I have received no notification that this has occurred. I was made aware of this by the Vet Admin representative. This was the only way I discovered this action was in the near future. Still today XXXX will not permit me to speak with the " Relationship Manager '' assigned to this mortgage. They insist I complete yet another request for loan modification package, another stalling, and return to them. Then and only then will they schedule an appointment for me to speak with the relationship manager. They send mail to my late husbands first/deceased previous wife ( XXXX XXXX XXXX ) although they were provided with a certified death certificate. I furnished certification of my court appointed bonding to handle XXXX XXXX issues following his death and receive nothing addressed to me. Documents are only addressed to deceased individuals. Fees and penalties have accumulated to such an extent there is no possibility I could ever afford them. To make matters worse when XXXX XXXX refinanced his mortgage in XXXX, he was charged more than {$10000.00} in fees when his intent was to access {$10000.00} of equity in his home. I did not think these significant fees were applied for VA guaranteed loans. Also of significant notice was the fact that XXXX XXXX underwent XXXX XXXX removal in XXXX, was totally unable to XXXX without assistance, suffered significant XXXX, and of significant importance, he suffered XXXX, he could not XXXX to read, even following 1 1/2 yrs of XXXX therapy at XXXX XXXX XXXX , XXXX No way could he read or understand what he was signing. Also an issue of noted mortgage insurance premiums on the XXXX form provided, however when I asked about this was told it was an error and would not honor request to apply for these. Such a mess I need help