Consumer complaint received 2021-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I purchased my home XX/XX/XXXX. I have a FHA loan. My Mortgage company was XXXX, and I had never made a late payment. In XXXX XXXX, XXXX sold my loan to Freedom Mortgage. On XX/XX/XXXX, due to XXXX, my cosmetology business was mandatory shut down for XXXX months. I still have not been able to re-open. I had to file bankruptcy in XXXX XXXX, but kept my house. My bankruptcy attorney at that time asked me if I wanted to go into forbearance with Freedom Mortgage and I said yes, but I did some research on Freedom and discovered they had been sued multiple times for fraud and I told my attorney that I did not trust them. He asked if I wanted him to contact them to arrange the forbearance and I agreed to this. On XX/XX/XXXX, I called Freedom Mortgage and spoke with XXXX. She said she is a supervisor and her badge ID # is XXXX. I told her that I want to come out of forbearance and that I want the new XXXX Advance Loan Modification that I read about in the Mortgage Letter dated XXXX XXXX from XXXX. I told her I could not make a lump sum payment on the back payments or keep the high monthly payments and this loan modification would help by putting the back payments at the end of the loan and would lower my monthly payments so that I could start paying again. She said they would get the necessary paper work started, but have done nothing but lie and harass me for XXXX months now. Since that time, I have had to file complaints with Errors and Omission, The XXXX and Mortgage XXXX XXXX, XXXX and FHA because XXXX refuses to do what I asked. As of this date, still nothing has been done. 
I knew that I did qualify for the XXXX Advance Loan Modification based on the guidelines in that HUD Mortgage XXXX but XXXX XXXX not do it. Last month, on XXXX, Freedom Mortgage taped an envelope on my front door that says, '' XXXX XXXX XXXX ''. Inside this envelope is a letter that said I was approved for the loan modification and to sign a XXXX page document, notarize and mail back to them. I could not believe this. What mortgage company tapes a personal letter on the front door of your house???? The loan document had false dates, false dollar amounts, false information, false statement regarding my bankruptcy. In my opinion, this was fraud so I called my bankruptcy attorney and sent him the papers. He advised me not to sign them. I think Freedom Mortgage is taking advantage of me because I am a XXXX XXXX XXXX woman that does not have the money to hire an attorney to sue them. They have caused me to be physically XXXX Over this past 5 months, I had to go to the emergency room hospital twice because of the stress they are causing me, and I have doctor bills I cant pay. And now, due to Freedom Mortgage playing games, lying, and fraud, the deadline for that XXXX loan modification that I qualified for and asked for back in XXXX, has expired. I have over a XXXX pages of documents dealing with Freedom Mortgage that verifies I did everything the way I was suppose to and they did not. I will attach the document they wanted me to sign showing false information, to this complaint. I can mail any of the others if needed. Regards, XXXX XXXX