Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
This is in response to a previous complaint that was closed for some reason without resolution. Freedom Mortgage has failed to address my issues. What they have said is false and illegal. I have reached out to a lawyer and reatin him if necessary. Please see below in regards to initial complaint # XXXX with the CFPB. 

This letter is being sent via Certified mail. 


This letter is in response to your statement regarding our mortgage and your failure to pay our insurance premium through escrow. 

What you have stated is false information regarding coverage. I have kept all documentation as well as voice recorded information from Freedom Mortgage stating that I had insurance for said period between XX/XX/2020 and XX/XX/2020. As the responsibility of Freedom Mortgage being said lender, they must not simply " assume '' that we had coverage and had paid for this policy myself as this is why they hold my money in escrow, to pay these bills when they are due, and Freedom Mortgage failed to do so. The responsibility falls on you to assure that their account holders are in fact insured and paid in full and on time. I was never contacted by anyone during this time period to inform me that we were not insured. As stated earlier, we have recorded proof as well as physical documented proof that Freedom Mortgage stated to me that we were insured at the time damage occurred. Additionally, we sent a certified letter to Freedom Mortgage specifically stating that they are NOT authorized to place lender placed insurance on our home and bill us for this, as the lapse of insurance is their fault. I am confused as to how they are pinning this on us. Federal law requires a loan servicer to send notice to the homeowner at least 45 days before it buys force-placed insurance. The servicer must then send a second notice ( a reminder notice ) no earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. ( 12 C.F.R. 1024.37 ). These procedures were not followed, and again we are stating that Freedom Mortgage is in fact responsible for this mistake. One must ask the question, if we are required by Freedom Mortgage to have an escrow specifically for paying insurance and taxes, how do you simply assume that we paid it ourselves? We are asking for Freesom mortgage to either pay the forced insurance in full, provide us with a {$1000.00} deductible that we should have had and assumed if Freedom paid our premium as required. 
In conclusion, I am expecting a timely response from you regarding my above statements. I will also be requesting any recorded phone calls that were made between myself and Freedom Mortgage. I have contacted the VA regarding this matter. Additionally we have retained legal counsel. The firms contact information is listed below ; they can be contacted via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Perhaps if Freedom Mortgage fails to remedy this situation, perhaps the court will. 

Regards, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

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