Consumer complaint received 2023-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

I UNDERSTAND THAT you can not act as my attorney or judge, but THE CFPB IS RESPONSIBLE FOR UPHOLDING LAWS UNDER THE DODDS FRANKS ACT. And just as a police officer must arrest someone for breaking into a bank and taking money, the CFPB is responsible for doing the same with the financial institutions. You were put in place to ensure that mortgage companies abide by the rules and laws. And under Dodds Franks, laws have been broken, i should not have had to file a second modification when the first one was complete and and pay for their legal fees in addition to that. I have been trying to get a modification or loss mitigation completed for nearly two years now. Freedom mortgage company has either lost documents or denied that they were responsible for a Lien on my property. They told me i could upload documents to their site under my account which i did. Of course those documents dissapeared and i had to start over again. XX/XX/XXXX i contacted my congressmans office, and shortly after, FMC stated they had all the documents needed. A few weeks later they informed me that there was a lien on my home and i could not get loss mitigation until i had it removed. they gave me 14 days to remove. I was unable to remove as I found it was the previous mortgage company who started the lien. But i retrieved the document from the sheriffs office online, and it stated XXXX XXXX, which was the prior company, " OR THEIR SUCCESSOR '' held the lien on the propertuy. meaning FMC held the lien. yet they denied it, and went on to deny me all loss mitigation due to an unclear title. This is negligence on their part. Under Dodds Franks, they are required to make a good faith effort to do loss mitigation and modifications so people could save their homes. They must have known this was their own lien, why would they purchase the mortgage from prior company knowing their was a lien on it? So on XX/XX/XXXX i recieved a decision letter denying me all loss mitigation due to the unclear title. Shortly after i started another modification process and submitted all the documents the first week of XXXX. In XXXX i recieved a letter stating my house was to go up for sherrifs sale on XX/XX/XXXX under foreclosure. My home was suppsoed to be under review for a modification. This is called double tracking and is illegal under dodds franks. And they may state that it only appplies to the first modification, but it was their incompetence and negligence that denied the first when by law, they should have did a modification. And they have also accrued legal fees after their first denial which i should not have to pay due to their mistake and incompetence of not taking responsibilty for the lien they have on my home. 

I had to contact my congressmans office to inform them thyat i was denied a modification due to an unclear title. My congressman wrote them, they eventually contacted veterans unitedand found that ther Lien was indeed theirs as they are the successor. i sent them the lien back in XX/XX/XXXX explaining that it stated XXXX  XXXX or their Successor held the lien, and that they were the successor. They ignored it and denied me loss mitigation regardless. this is complete and utter negligence that should not be tolerated by a professional agency that does financing with federal reserve money. If they are licensed by the federal government, then that license should be in danger of being revoked. 

Moving on, they put my home up for auction with a sale date of XX/XX/XXXX. After they found they were responsible for that Lien and illegally denied me loss mitigation in XXXX last year, they real quick sent a letter stating that they had all the documents requested and would have a decision within 40 days. they still had my home up for sale on XX/XX/XXXX. The only way i could block it was by filing a bankruptcy. They took this as an opportunity to send a modification soemwhere else, so that i would not recieve it on time. they completed it, and sent it out on XX/XX/XXXX to my bankruptcy attorney main office. I am supposed to have 14 days to see the modification and request changes, i never recieived that notice. Therefore i didn't even know the modification was sent out on the XXXX to main law offices in another city. my attorney is in XXXX XXXX XXXX, FMC sent the modification to XXXX. By the time it got to my attorney it was XX/XX/XXXX, and then she had to put it together and mail it to me. i didn't recieve until a few days later on a XXXX, the XXXX of XXXX. They had reral estate taxes included in the modification, and i am exempt from real estate taxes in NJ as I am 100 % military related XXXX veteran. And they know this ecause i don't think they have been paying the taxes as they recieved noticd back in XXXX from my County government that i am exempt. They also were charging me for taxes on monthly mortgage payments with my bankruptcy which i am exempt from, so i didn't pay them, and they sent a letter requesting a stay on the bankruptcy so that they can foreclose. 

Now they sent a letter to my congressmans office statiing that they understand that i want to file another modification, and that they may want to do an appraisal on my home that i will be charged for. They are accruing legal fees, and now want to create more fees in an attempt to make it all unaffordable for me. By law, a modification should have been completed last XXXX to XXXX when they had ALL requested documents. instead they used their own lien to destroy that process. And they have been accumulating legal fees ever since, even changing law firms so that fees would be increased. 

This company is a disgrace. i left work in XXXX due to military related XXXX, it took years to get the 100 % rating. i tried working a few times since but could not succeed at it. This a case where a modification should be accepted and completed. Instead these ungrateful people want to try and take my home from me. And they have used illegal tactics according to Dodds Franks. I read that the CFPB are the police and will uphold the laws and hold these mortgage companies etc. accountable. Well i feel i have a good case to warrant them to be held accountable, and i think under law they should have to grant me a modification under the interest rates from last XXXX when my review was complete. And any legal fees or other fees accrued after that, should be paid for by FMC, not me. I should not have to lose my home or pay for their legal fees etc, when it was their incompetence and negligence that caused it all.