Consumer complaint received 2024-07-09
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (CA)

On the XXXX of XX/XX/XXXX, I had emailed my completed Freedom Mortgage a Loan Modification Application. On XX/XX/XXXX I contacted my mortgage company to resolve my passed due payments. I spoke to worker ID # XXXX ( I will provide name later ) and requested assistance for options on keeping my home. He explained different plans available. I asked him if he was are of CAMortgage Relief Program process, which he replied with " You will not qualify for our plan/options to modify, if you apply with them. '' I become in a state of shock and felt shutdown. I nonetheless requested for the Loan Modification Application. In the meantime I was in a state of disbelief and did not know who to turn to as my own lender did not make me feel that I was able to confide in them due to the worker 's comment. 
Moving forward to XXXX XX/XX/XXXX I applied to the CAMortgage Relief Program. I did provide necessary documents and when I received the Notice of Sale of my home, contacted them and was able to upload my Letter. Not only would I keep checking my account for this application almost on a daily basis to check the status, but contacted CAMortgage to confirm that my Sale Letter was received. 
On XX/XX/XXXX I contacted CAMortgage Relief and was informed that my case was in review with Loss Mitigation. I also contacted a friend Realtor to assist in the matter. She listed my property for sale on XX/XX/XXXX. Realtor contacted Freedom Mortgage on same day and received contact information to send Listing Contract-which Lender states they never received documents. On XX/XX/XXXX Realtor contacted Freedom Mortgage again, with myself on three way, and informed the representative she had the passed due amount. Representative informed her there was nothing else we can do, again shutdown as to my requested assistance. Realtor was given contact information of Trustee and till this day have not contacted her. 
On XX/XX/XXXX my husband was in the front yard, I was on the telephone, and was approached by a man who identified himself as a bidder. I am not an attorney, but I do know that there must be a CA Section code prohibiting any person to disturb occupants during foreclosure. My husband is not on my Title and should have never been questioned. Our family feels violated by this. 
XXXX XXXX XXXX Day of Auction, I filed for Bankruptcy, which was emailed to Trustee by a legal representative. I have not received calls or any kind of contact from the Trustee or Lender. 
XX/XX/XXXX, I contacted Freedom Mortgage to request options again was informed by worker # XXXX, lender is not able to assist me. Again I do not have legal knowledge simply feel that more information should be provided to a debtor. I asked what more can I do, and was responded with Contact the Trustee. That information was given to me. At XXXX today I contacted the Trustee by phone and was informed to email my information to speak to a representative. Email was sent to Trustee at XXXX. I received an email at XXXX informing me of Sale and deadlines. 
Most importantly I am expressing that the event of my property is an Illegal Foreclosure Sale.