Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage is acting unlawfully as governmental agency trying to collect property taxes that I do not owe. Despite my objection Freedom Mortgage gifted property taxes money to XXXX XXXX XXXX corporation and opened an escrow account without my consent on XX/XX/XXXXXXXX XXXX XXXX  and started to apply my monthly mortgage payments towards this escrow account to compensate for the gift they gifted without my consent to set me up for default and possible foreclosure by which they breached their fiduciary duty and our contract. After a further research into Freedom Mortgage practices I have found out that Freedom Mortgage took my Promissory Note and loaned me nothing of substance of theirs for it which constitutes fraud and theft. I have officially requested a forensic audit on my loan account, disclosure of documents and that Freedom Mortgage is the actual holder of my original Promissory Note as required by law and Freedom Mortgage failed/refused to cooperate with the detail actions and requests made as follows : 1. Based on my research of the California Constitutions I found while researching public records that the XXXX California Constitution was repealed on XX/XX/XXXX which was the basis for property taxation in California ; and 2. Based on the above I have perfected XXXX XXXX XXXX. XXXX by bringing it forward in my name which was made a matter of public record with Affidavit of Publication issued on XX/XX/XXXX by The XXXX XXXX XXXX, a newspaper adjudicated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State of California ; and can be viewed at XXXX XXXX XXXX  ; and 3. I notified County of XXXX, XXXX XXXX # XXXX, XXXX # XXXX Tax Collector that my private property/land is not subject to property taxation via form of Affidavit ; and 4. I informed County of XXXX Tax Assessor that my private property/land is private dwelling/land secured under Land Patent which is supreme Title and Allodium ; and 5. XXXXXXXX XXXX XXXXXXXX Tax Assessor and Treasurer-Tax Collector failed to rebut my Affidavit and claim that my private property is not private property/land and is subjected to property taxation under repealed XXXX California Constitution; and 6. Upon further research and fact that there is no money of exchange to pay, I served XXXXXXXX XXXX  XXXX Tax Assessor and Treasurer-Tax Collector Verified Good Faith Offer to Pay dated XX/XX/XXXX via Certified Mail Number XXXX which was received on XXXX XXXX XXXX  ; and I requested in which specie shall the alleged property tax debt be discharged in ; and XXXXXXXX XXXX XXXXXXXX Tax Assessor and Treasurer-Tax Collector refused the offer which activated the Tender of Payment Law pursuant to UCC 3-603 and rendered any such alleged property tax debt discharged ; and I sent County of XXXX Tax Assessor and Treasurer-Tax Collector Lawful Notice of Discharge ; and XXXX. Freedom Mortgage agents sent letter to Affiant in late XXXX threatening that if I do not pay alleged property taxes Freedom Mortgage agents will open an escrow account against my will and without my consent and pay County of XXXX corporation on my behalf ; and 8. My Assistance of Counsel and I called Freedom Mortgage on a recorded line on XXXX XXXX XXXX  around XXXX and spoke with agent named XXXX to explain that my private property/land is not real estate to be subjected to property taxation under repealed XXXX California Constitution; and that County of XXXX corporation and their agents are in litigation with me and trying to use Freedom Mortgage as thugs to extort me ; and agent named XXXX said that she will help to resolve this misunderstanding ; and 9. My Assistance of Counsel and I called again on XX/XX/XXXX and spoke with agent named XXXX ; and then called again on XXXX XXXX XXXX  ; and 10. Freedom Mortage agents unlawfully opened escrow account without my consent on XX/XX/XXXX ; and Freedom Mortgage agents started to apply my mortgage payments into the escrow account to pay County of XXXX corporation alleged property taxes that I do not owe ; and by doing so Freedom Mortgage breached the contract between us causing injury ; and 11. I sent Freedom Mortgage Lawful Notification dated XX/XX/XXXX demanding deposition and forensic audit of my account ; and 12. I served Freedom Mortgage Writ of Nature of Discovery and Disclosure and Memorandum of Law dated XX/XX/XXXX via Certified Mail Number XXXX XXXX XXXX XXXX XXXX that was received on XX/XX/XXXX at XXXX requesting to produce the Original Promissory Note as lawful proof and evidence ( exposing the front and the back ) and marked with my account number, with clear signatures and evidence associated with the Original Loan, indicating the exchange of Substance or Specie alleged to have been issued from Freedom Mortgage and given to me ; and 13. I served Freedom Mortgage with Notice of Liability/Opportunity To Correct and Contest Acceptance dated XX/XX/XXXX ; and 14. On XX/XX/XXXX my Assistance of Counsel sent XXXX XXXX XXXX ( APN ) # XXXX back to County of XXXX Tax Assessor via Certified Mail Number that was received on XX/XX/XXXX at XXXX ; and 15. I served Freedom Mortgage Notice of Fault/Opportunity to Cure and Contest Acceptance dated XXXX XXXX XXXX  via Certified Mail Number XXXX XXXX XXXX XXXX XXXX including my Fee Schedule which was received on XX/XX/XXXX at XXXX and now serves as self-executing contract ; and 16. I served Freedom Mortgage Notice of Adequate Assurance of Due Performance dated XX/XX/XXXX via Certified Mail Number XXXX XXXX XXXX XXXX XXXX that includes Affidavit of XXXX XXXX declaring that Freedom Mortgage purchased my promissory note ( Note ) and paid nothing of substance ; and the documents were received by Freedom Mortgage on XX/XX/XXXX ; and 17. I served Freedom Mortgage Affidavit of Default and Final Judgment/Res XXXX XXXX XXXX Mail Number XXXX XXXX XXXX XXXX XXXX that was received on XX/XX/XXXX at XXXX by which Freedom Mortgage CEO admitted, agreed and confessed that they have no proof that my private property/land is subjected to unlawful taxation through repealed XXXX California Constitution used by County of XXXX corporation ; and Freedom Mortgage failed/refused to prove their lawful authority to collect property taxes that I do not owe ; and that Freedom Mortgage intentionally denies me a forensic audit of the account to prove that I was loaned anything of substance of theirs ( Freedom Mortgage ) ; and 18. I continue to make the agreed monthly mortgage payments in amount of {$1700.00} through verified XXXX XXXX online account and Freedom Mortgage herein annexed and made part of this complaint ; and Freedom Mortgage is not applying my payments to the principal and stating that I am in default instead by which Freedom Mortgage breached our contract ; and 19. Criminal Complaint along with Arrest Warrant was filed with the U.S. District Attorney herein annexed and made part of this complaint ; and I declare herein that any additional information and/or document of the above stated can be provided upon proper request by any party of interest. 

Sincerely, XXXX XXXX, XXXX XXXX Authorized representative for 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