Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Consumer Complaint Date XX/XX/XXXX Re : Consumer Complaint against Freedom Mortgage Mortgage Loan # XXXX XXXX XXXX  XXXX Property ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Attn : Consumer Financial Protection Bureau. 
To whom it may concern, I, XXXX XXXX XXXX, am filing a complaint against Mortgage Servicer, Freedom Mortgage for several reasons that include false credit reporting placing my livelihood and home in jeopardy, and mismanagement of the loan associated with my primary residence XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. 
Background, I purchased my home in XXXX and had an FHA mortgage through XXXX XXXX. 
XXXX XXXX transferred the loan to Freedom Mortgage in XX/XX/XXXX. Unfortunately, it was the same month I had to file for Chapter XXXX bankruptcy due to medical ills and loss of income. 
The problem with Freedom Mortgage began in XX/XX/XXXX when the denied me access to my account online and refused to speak with me regarding my loan stating they could not due to the bankruptcy unless my bankruptcy attorney sent them a letter indicating that it was appropriate to continue to speak with me and allow me access to my mortgage. Although, Freedom Mortgage did not accept the attorneys request and did not allow access. 
Moreover, in XX/XX/XXXX ( see Exhibit A ) Freedom Mortgage filed a petition to include the hoe in bankruptcy because of arrears. However, they could not provide documentation to the trustee and in fact, the petition Freedom Mortgage filed showed a surplus of funds in escrow. The Trustee denied their request, and the property was exempted from the Chapter XXXX filing. 
Again, in XX/XX/XXXX ( see Exhibit B ), Freedom Mortgage filed a past due amount of {$650.00} stating fees associated with the bankruptcy. However, there were no arrears noted in the petition. 
Additionally, Freedom Mortgage discontinued reporting my loan to the credit bureaus and began sending erroneous statements indicating unrecognizable amounts owed. Regardless, I continued to pay my monthly mortgage payments. 
Fast forward to XX/XX/XXXX, and I was able to pay off my Chapter XXXX creditors and was successfully discharged. I called Freedom Mortgage in XX/XX/XXXX to ask them to allow me access to my online banking as well as begin showing property monthly statements. At which, time they said that I was behind by {$8800.00}. I went ahead and sent a check just so I would be up to date until I could resolve the discrepancy. However, after thirty days went by and the check wasnt cashed, I called Freedom Mortgage again and they stated they never received the check. Therefore, I sent {$10000.00} XXXX XXXX. 
However, after repeatedly asking them for proof of arrears with no response, I sent a letter in XX/XX/XXXX, showing my payment history with supporting bank statements. I received a reply from Freedom Mortgage on XX/XX/XXXX ( see Exhibit C, ) indicating that they received my letter and would respond within 30 days. They never did respond. 
However, they did begin reporting to XXXX credit Bureau showing 180 days late. This devastated my credit score, even as I was beginning to recover from the bankruptcy. 
At any rate, I contained to contact them and to no avail. They sent me two accounting reconciliation reports that show payments reflect against arrears but the statement to not support my payment history. For instance, they show a XX/XX/XXXX payment was applied to a XX/XX/XXXX bill, yet there should be no arrears in XXXX. 
Finally, in XXXX I phoned again, asking why my statements continue to reflect late payments, and rather than addressing my call, they sent me a demand letter on XX/XX/XXXX. 
I have spent months trying to resolve this with Freedom Mortgage and yet their behavior and negligence is egregious. My credit score is ruined, and now they want to foreclose on my home. 
I appreciate your assistance with this matter and welcome a letter from you to Freedom Mortgage asking for their compliance with these requests and to resolve this matter. 
The most egregious is the fact that they have inappropriately reported false information to credit bureaus damaging my credit just as I was successfully discharged from Chapter XXXX bankruptcy. 

Sincerely, XXXX XXXX XXXX Addendum Exhibit A, B and C Letter to Freedom Mortgage stating I was filing a complaint with the Consumer Financial Protection Bureau

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