Consumer complaint received 2023-05-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NJ)

I left work in XXXX due to military related disabilitied as well as XXXX related XXXX. I had little or no income while waiting on the VA to grant me 100 % XXXX. I finally was granted the XXXX a year ago. I have been working for over 2 years in trying go modify or remortgage my home so it wouldn't go into foreclosure. In XXXX I filed a XXXX  XXXX, and the original mortgage company, Veterans United Home Loans ( VUHL ) of whom I signed for a mortgage with, put a Lien on the property. VUHL then turned the Note over to Freedom Mortgage Company ( FMC ). FMC is the most incompetent mortgage company in the country and i did not choose to have them as my servicer or mortgage company.

FMC is full of incompetent underwriters who do not even know what the statement " or their successor '' stands for. VUHL or their successor is listed as the company responsible for a Lien on y property. I applied for Loss mitigation with FMC starting over 2 years ago. i had uploaded requested documents online to their site through my account as thy had requested. I double checked to ensure the documents properly uploaded and they sis. But somehow they had since, mysteriously disappeared. As FMC continued to demand thr same documents over and over again, violating the privacy rights of those living in y household who participate in paying bills. 

I sent complaints about this incompetent bunch of bufoons to my congressmans office in which they replied that i didn't send them the proper paperwork. thy had me restart the whole process over multiple times while interest rates soared, claiming they didn't recieve documents that they requested when i did send them. However, they do have the power to erase or remove any documents that I had uploaded to their system. They do it illegally, and theye commit perjury telling my congressmans office they didn't recieve the necessary documents. There needs to be an investigation of these incompetent overpaid, uneducated uderwriters, who have done nothing but caused me grief. 

After I had contacted my congressman, they suddenly claimed to have all the necessary paperwork and needed 40 days to make a decision. their decision was, they found aLien on the property, and gave me a couple of weeks to have it removed. i could not do this as VUHL no longer had a record of my account as they turned it over to FMC against my will and without my permission. Therefore, XXXX XXXX  or their Successor are responsible for the Lien. FMC is VUHL 's successor, meaning they themselves hold the lien on the properrty, and they refused to remove it, and they denied me any loss mitigation, modifications or remortgages due to the title not bing clear. This is their fault and their responsibility. i want nothing less than this company put out of business. I akso want to be referred to a law firm who specializes in fraudulant mortgage companies as I have been caused a great deal of stress and embarrassment over this as FMC continued to have an attorney proceed with foreclosure proceedings and set a date for sherriffs sale of XXXX XXXX. now everyone i know knows my business. And this shouldn't have happened as FMC is obligated to do modifications by law. The federal government has given tax dollars to these mortgage company to forgive debt or modify, and FMC has refused to do so.

I have attached a letter of their denial stating the title was not cleared. And i have attached the lien stating VUHL or their successor are responsible for the Lien. They own the lien and they should have cleared it and thy did NOT! I want to be referred to a lawfirm willing to sue, and i want the federal government to step in and strip FMC of any lisences to work in the financial industry as they are absolutely ignorant, incompetent, and refuse to follow rules and laws. And I want to sue for the embarrassment of having my house listed for sherrifs sale, when it should not have gotten to that point except for the ignorance and incompetence of the underwriters at FMC. I want them all fired and unable to pay their mortgage for a few years, as they should have to see how it feels to deal with someone like them while they worry about losing their homes. The bunch of uneducated incompetent morons!