Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
RECORDING ( XXXX XXXX  ), AND GRAND THEFT ( XXXX XXXXXXXX ) NARRATIVE OF CRIMES : I am reporting a sophisticated real estate fraud scheme that resulted in the illegal foreclosure of my property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. I discovered this fraud between in XX/XX/XXXX. 
1. Forgery of Originating Instrument ( XXXX XXXXXXXX ) : XXXX XXXX XXXX XXXX Deed of Trust ( Instrument # XXXX recorded on XXXX it looks to contain a forged signatures. I have document where I did not sign for a loan or a deed of trust. As the originating security instrument is a forgery, it is void, and all subsequent foreclosure actions based upon it are illegal.

2. Fraudulent Recording and Identity Theft ( XXXX XXXX XXXX XXXX XXXX ) : In XX/XX/XXXX, I discovered a Substitution of Trustee ( Instrument # XXXX recorded by XXXX XXXX XXXX. This document fraudulently names ME ( the borrower ) as the Substitute Trustee. This is a legal impossibility recorded to bypass notice requirements and cloud the title. Furthermore, a Notice of Default ( Instrument # XXXX was recorded falsely identifying me as the " Grantor '' filing against myself.

3. Grand Theft of Real Property and Possible Mineral Rights ( XXXX  XXXX ) : I discovered 3 other properties in XXXX XXXX that I was the substitute trustee as well. I believe that possibly that I have some other large asset acting as collateral. I have mineral right attached to 7 properties that Im aware of the other 3 in XXXX XXXX. These rights were never disclosed to me by my realtor or loan ocer. 
On XX/XX/XXXX, the property was sold via Trustees Sale to XXXX XXXX ( Instrument # XXXX. This sale illicitly included Mineral Rights ( Tax Parcel XXXX XXXX XXXX XXXX XXXX  ) which I only discovered were my property in XX/XX/XXXX. I have further discovered that XXXX XXXX subsequently sold the property to a third party. Because the initial foreclosure was based on a forged deed, this entire chain of sales is void. 
I am reporting predatory and fraudulent behavior by XXXX XXXX XXXX and Freedom Mortgage. 
Forgery : My signature was forged on the original XXXX XXXX Deed of Trust. 
Legally Impossible Filings : Freedom Mortgage recorded documents naming me, the borrower, as the " Substitute Trustee '' and " Grantor '' of my own Notice of Default ). This is a deceptive practice used to bypass legal notice and cloud the title. 
Asset Seizure : These actions were used to illegally foreclose on my property and seize Mineral Rights or some other form of collateral that I was never informed of. I discovered this theft in XX/XX/XXXX through county tax statements. 
Resolution Requested : I demand that Freedom Mortgage cease all further action on the property, record a Corrective Affidavit-to clear the foreclosure with credit reporting companies, restitution for being homeless for 8 months and restore my legal interest in the mineral rights or the possibility of what other collateral was being used.

Sincerely

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