Consumer complaint received 2022-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

First and second forbearance plan. 

Hi my name is XXXX XXXX XXXX and this is my second complain about freedom mortgage and this forbearance plan. 
The reason why Im writing to you is that my mother and father in law keep applying for this forbearance plan without my consent. Since the first forbearance which was in XXXX of XXXX, I didnt know we were going through this program and unfortunately, I found out on XXXX XXXX, I was never told by either my in laws and freedom mortgage about them on this program until the date Ive mentioned above. I am a borrower to this loan and thanks to me, we were able to get the home out and Im part of the deed and the loan. Freedom mortgage failed to contact me when the loan was Transfered to them in XX/XX/XXXX about any situation regarding the home situation. This is very unacceptable. 

Also, freedom mortgage hasnt answered any of my questions. Ive contacted freedom mortgage through there online system which they have refused to answer any of my questions and concerns. Here are some examples of what Ive sent them, you say, XXXX, XXXX XXXX, and XXXX XXXX signed a legally binding contract with the creditor. Amendment of any contract requires agreement by all parties ( including the creditor ). I want a copy where it says that. This forbearance was suppose to end on XXXX XXXX, why was it extended from XX/XX/XXXX to XX/XX/XXXX and without my consent? I was told that if there needed to be extension you would need my consent to do so which I didnt approve. This is a surprise to me that you ( freedom mortgage ) are continuing to do but you continue to approve without my approval? I didnt know about the other people doing this an was never told. You know that I barely found out about all this on XX/XX/XXXX. 

why was this second forbearance approved? I have every right to know. I didnt consent to it at all an we all must be be in agreement but were not if the first forbearance plan was accepted without almost nothing and they got qualified for it without any paper work or agreements? How did this second forbearance plan worked? I would like copies of any signed document recording because I have every right to ask an have those documents or recordings. This second forbearance had to had some kind of agreement as I was told by most of your representatives that they wouldnt give an extension without having me involved. 

Another example is, for the sake of clarity regarding the loan forbearance program, the cares act/ freedom mortgage does not require the approval of every borrower to enter in the forbearance program? I understand that no signature is necessary, but I never agreed to enter the loan forbearance program in either instance. Did either of my co-borrowers represent to your company in any way that I agreed in either the original application or the extension? If so I need all copies of any records showing that you had my consent. 

All freedom mortgage say, we apologize that you did not receive the forbearance plan agreements at the time of the approval. This makes me feel that they are ignoring me. Also, that they went through with this either first or second forbearance without my consent an approval. To be honest there apologize wont change what has happened Especially them not getting in contact with me when the delinquency of the house was happening in XX/XX/XXXX. Ive mentioned before I could of done something about it but XXXX and XXXX XXXX denied for me to do anything on XXXX XXXX. 
Theres a sent message on XX/XX/XXXX which says to freedom mortgage, thank you for your response. Unfortunately, freedom mortgage failed to directly answer any of my questions. Can you please review my previous email and provide direct answers? 
Which are the examples above this email. 

I wanted to ask you if you could please ask freedom mortgage to answer my questions Above? I really need them to stop this extension for forbearance or if it keeps on going they must stop because they have no consent on my part at all. This has been very stressful for me and I cant believe that freedom mortgage is still thinking its okay. I dont agree with them or my in laws at all. They havent even made any payments even when they are in this forbearance plan. I feel they are taking advantage of this program an I dont think its right at all plus they are taking advantage of me and I certainly dont agree with this at all. 

Sincerely, XXXX XXXX XXXX