Consumer complaint received 2016-08-29
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (TX)

To whom it may concern, On XXXX was the last day my husband has worked he was having XXXX and we where going from doctor to doctor. on XXXX had to be admitted to the hospital for XXXX. My husband was in the hospital for 12 days, had a XXXX ( XXXX ) and had a XXXX. Discharged on XXXX and on XXXX we were told by the XXXX he had XXXX. My husband who is a Veteran and was XXXX XXXX during the XXXX could XXXX and could not work. Our initial Home loan was through XXXX but they transferred our loan ( after sending the initial modification packet ) to Freedom Mortgage. on XXXX I called Freedom Mortgage for the first time to see if they had my Modification packet from XXXX. Freedom Mortgage said they did not have any Modification packet. On XXXX I left a message for XXXX never heard back all though she was my XXXX Teller number XXXX. Received an advertisement in the mail from a Company to assist us with getting a Modification. on XXXX we signed up with XXXX XXXX XXXX to get a modification, we paid them a total of {$5200.00} to represent us in getting a modification. This complaint is against Freedom Mortgage on XXXX I received a letter to Accelerate and move to Foreclosure. We have never received anything in writing stating that we were denied a Modification. We have never received anything stating that we need to be placed on trial payments. We have answered and sent in everything that has been asked of us including : paystubs several times, bank statement several times, last years take returns more than once, Hardship letter more than once. I never received a letter stating what we could do. My husband was granted 6 weeks of XXXX through his Employer that ended XXXX. Then we could n't file for XXXX XXXX XXXX until XXXX. We did and we had to go through several steps in order to get XXXX when it was finally granted was XXXX. I sent in the paystub from the XXXX XXXX XXXX so that the Freedom Mortgage Company would know that we had some additional income. At that point we could not pay all of the rears but again, we thought they were working towards a Modification. Since XXXX XXXX was representing us, we were told to allow them to handle communication regarding the modification. This is very stressful for us. My husband has had a major health issue. We have gone through a lot as a family. People should want to work with us. in XXXX I did get a promotion and I let the mortgage company know that when they asked for another hardship letter and I added that information to the initial hardship letter. I want to keep my home, there are XXXX people living in our home. XXXX adults, XXXX teenager and XXXX grandbaby they all rely on us keeping a roof over their head. I have a fixed rate that can go up. I want that rate at 2 % and see if they can give me a little more time added to the loan that would bring it down enough where I can handle the home payments on my own. Freedom Mortgage sent me a letter on XXXX asking for Federal Tax returns, Dodd Frank Certificate and 30 days most recent bank statements. I sent that by the due date. On XXXX Freedom Mortgage sent me a letter requesting Letter of Explanation, 1 months most recent bank statements and 30 days most recent paystubs. I have sent that, and at no time did I get a letter stating that I was turned down for the modification, or asking me to make trial payments. It is unfair to send me a Foreclosure notice that is dates XXXX but I did not RECEIVE IT UNTIL XXXX A MONTH LATER. IT is unfair, I do n't feel that they are willing to work with me, I do n't feel that they want to us a Veteran and his family to keep their home