Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
SINCE XXXX AND FREEDOM MORTGAGE NEED A REFRESHER COURSE ON LAWS AND COMPLIANCE ... HERE IS IS. 

XXXX CONFIRMED THAT LOAN FRAUD AND EMBEZZLEMENT OF ESCROW ARE ILLEGAL AND IF PROVEN, THE LOAN WOULD BE FORGIVEN FREEDOM MORTGAGE AND XXXX HAVE BOTH CONFIRMED FRAUD AND EMBEZZLEMENT IN ADDITION TO NUMEROUS OTHER ISSUES BEYOND THAT, BUT THOSE OTHER ISSUES ARE NOT NEEDED BECAUSE FRAUD IS ALREADY PROVEN AND ADMITTED. 

XXXX PROMISED TO CANCEL THE LOAN IN XX/XX/XXXX ONCE WE CONFIRMED WHAT I ALREADY KNEW FROM MY RESEARCH AND FILES ... FREEDOM MORTGAGE WAS GUILTY OF NUMEROUS CRIMINAL ACTS AND NUMEROUS ATTEMPTS TO STEAL A HOME ILLEGALLY USING FRAUD AND DECEPTION. 

FREEDOM MORTGAGE MAY NO LONGER HAVE AN INTEREST IN THE LOAN, BUT THAT DOES NOT CHANGE THE LAWS OR THE COMPLIANCE REGULATIONS. FREEDOM MORTGAGE ADMITTED THEY SOLD A FRAUDULENT LOAN., XXXX ADMITTED THEY PURCHASED IT. IN A XXXX PURCHASE OR A COMPANY PIRCHASE, THE BUYER IS RESPONSIBLE FOR ALL ASSETS AND LIABILITIES. 

I WILL ALSO STATE THAT IF FREEDOM MORTGAGE HAS NO INTEREST AT THIS POINT, THEIR OPINIONS ON " HOW THINGS HAPPENED '' IS ALSO TOTALLY INADMISSABLE AS EVIDENCE AND XXXX IS FULLY AWARE OF THIS FACT BUT HAS IGNORED IT BECAUSE THEIR ENTIRE SYSTEM IS A FRAUD. 

ILLEGAL FEES, ILLEGAL INSPECTIONS, ILLEGAL FORECLOSURES, FALSE STATEMENTS, LYING ON THE PHONE, FAILING TO MAIL STATEMENTS, MISLEADING CONSUMER VERBALLY WHILE TAKING PAYMENTS AND MORE ARE STANDARD PROCEDURE. 

THE CUSTOMER SERVICE STAFF AT XXXX SEEMS TO BE OPERATING AT AN XXXX GRADE EDUCATION LEVEL. THEY ARE TAUGHT HOW TO COMMIT CRIME AND THEY HAVE NO CLUE ON COMPLIANCE, LAWS OR ETHICS. 

BACK TO THE CASE AT HAND. FREEDOM CONFIRMED CRIME AND THEY HAVE NO INTEREST OR OPINION TO GIVE. THE PAPER TRAIL SAYS CRIMINAL FRAUD. THIS HAS BEEN PROVEN AND CONFIRMED. 
FREEDOM MORTGAGE AND XXXX CONTINUE TO LIE TO THE XXXX GOVERNMENT AS PART OF AN ORGANIZED PONZI SCHEME AND RACKETEERING SCAM. FREEDOM MORTGAGE AND FORTRESS INVESTMENTS WILL NOW BE REPORTED TO THE SEC FOR ENGAGING IN CRIMINAL FRAUD AND ATTEMPTING TO HIDE IT USING DECEPTION ... AFTER XXXX GAVE YET ANOTHER FALSE, DECEPTIVE AND ILLEGAL RESPONSE TO THE CFPB TODAY REGARDING THE CRIMES SHE ALREADY ADMITTED THE PROFITS THESE COMPANIES ARE POSTING ARE NOT ACCURATE ... THEY ARE HIDING LOSSES USING CRIME. THEY ARE HIDING CRIME BY MOVING OLD MONEY ALONG WHILE TAKING NEW MONEY IN AND GENERATING PROFITS WITH ILLEGAL FEES, ILLEGAL PRACTICES ANDFALSE ACCOUNTING WHILE INTENTIONALLY DEFRAUDING THE XXXX GOVERNMENT IN A NEW TYPE OF XXXX SCHEME FED BY A DEFRAUDED INSURANCE INDUSTRY Freedom Mortgage/Roseannne XXXX alreadyADMITTED every crime and confirmed they all occurred ... .. IN WRITING. 
They tried to sugar coat it with " the crimes were all accidents '' which was insulting to all of us involved, and XXXX have ran with this ignorant excuse to protect their purchase of a fraudulent loan. The crime is systematic. The entire system connecting these XXXX 

XXXX is a deceptive, dishonest and disgusting person, but that 's not the issue here. The issue is that this dishonest, deceptive, disgusting person is profiting from a life of crime and lies. She is hiding crime and taking profits where losses should occur, which I will be reporting to the SEC. INVESTOR FRAUD IS ILLEGAL ... She is running a XXXX scheme. Write bad loans and sell them to hide the crime. It 's a very common scam in this industry void of souls, compassion and honesty. 
LOAN ORIGINATION FRAUD WAS CONFRIMED EMBEZZLEMENT WAS CONFIRMED FRAUD WAS CONFRIMED MAILING FALSE SATEMENTS USING XXXX MAIL IS CONFIRMED ALL OF THIS WAS CONFIRMED BY XXXX XXXX WE WILL CONTINUE AND EXPAND THE PROSECUTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation