Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom mortgage is is dual tracking!!! I XX/XX/year>, I submitted a loss mitigation application. In XXXX, I was advised that my File could not move forward unless I cleared up some XXXX issues which I did. However, things were not done in time and they tried to sell my property, I had to file a XXXX.In XXXX, I resubmitted my file, showed proof of the liens being paid. Please see attached emails. I was once again advised that there are still a lien issue and the deadline to resolve that was XXXX XXXX.I saved up my money to pay the XXXX and XXXX XX/XX/XXXX the day of the deadline, I contact the county recorders office, and they advised me the XXXX was XXXX paid on XX/XX/XXXX by Freedom mortgage!!! I sent XXXX a letter of explanation stating that THEY paid it and that they need to move forward my file if they were not already doing so. They paid the lien so it should have been moving forward! The following week Freedom mortgage placed my sale on hold to review and they confirmed that they DID PAY IT. So I dont understand why my file was just basically sitting there if they paid it. They KNEW they knew they paid it. After I told them that I KNEW they paid the XXXX off themselves, I was advised my file was indeed moving forward. 
On XX/XX/year> I was told my hold was removed and my home was going to sale.I escalated this matter and have been working all week with XXXX id XXXX, an escalations supervisor. He said they are still actively workingon this file, he sees notes in regards to it being worked on, that he sees the title liens were an issue and is reaching out to all parties for more clarification on what is going on. That there are tasks open and underwriting has the file with active tasks open, but bottom line my hold was removed so basically my house would be going up for auction. 
It doesn't make sense how they are still workingon things but yet I have a sale date and my hold on it was removed???? Ive been fighting with them because they were refusing to move my file forward unless title is clear yet they KNEW it was, as they paid it themselves, so it would obviously in the process be cleared at some point. What am I supposed to do?? Theres nothing I can do, they paid it so therefore the lien release they needed should be in their hands and that is per the county! Supervisor also stated the same thing.The county stated it is a process to obtain that but freedom should be aware of how the process is. There is not a set time frame. When the XXXX is paid the lien relase is recorded and then title is clear. Freedom failed to tell me that they paid it and basically my file sat there. They did NOTHING after they paid it apparently. Now theyre telling me that they cant stop it as they need the realse. Why is that my fault. Their reps stated they were taking care of things but now im being told unless its physically removed off of my title, they cant do anything but sell my home. 
On XXXX was advised by the same supervisor XXXX that the title was finally recorded and my liens are all clear! That was per underwriting XXXX! But now they are waiting on the title vendor as it needs to be documented by them to " make it clear '' in order to postpone my sale. Again, all of this is beyond my control. Freedom is the one who sat on things until I started saying how all they keep doing is contradicting things. I met the deadline, or actually you can say THEY MET THE DEADLINE. The XXXX was paid. Had I NOT contacted XXXX XXXX and really tried to pay my XXXX, Freedom would have NEVER bothered to advise they paid the XXXX XXXX 2025 I was advised that theyre not postponing my sale date because its too close to the sale date! WHAT WAS FREEDOM MORTGAGE DOING SINCE XX/XX/year> WHEN THE WAS PAID BY THEM. 
What they were doing this whole time is whatI need to know! They had plenty of time to move forward with my review whilewaiting on the lien release tobe recorded.They stated my file was moving forward but apparently I was being lied to.. My foreclosure date was placed on hold only because I pushed the issue, but then they took it upon themselves to let my file sit there and then remove the hold yet they were the ones who made an error and now tell me that they cant stop the sale on my house because the sale is too close but supposedly they have been actively working on this!!!!??? 
There were well more than 37 days totake care of this. This is completely unacceptable and I will not stand for this. They neglected my file, withheld information and lied to me! They are making their own rules at this point. The underwriter and all parties have dropped the ball and no one wants totake any type of responsibility.I am demanding my sale date be postponed. I have done EVERYTHING that was asked of me, worked countless shifts, picked up extra shifts, went without food or sleep trying to come up with funds to pay everything they wanted from me and for them to do this to me is horrific. How many people are they doing this to besidesme!? Dual tracking in mortgage foreclosures refers toa practice where a lender or servicer simultaneously pursues both a foreclosure action and a loss mitigation process ( like a loan modification ) with a borrower who is behind on their payments.In essence, they're " dual tracking '' the foreclosure process while also considering a way to avoid it.The CFPB also restricts the continuation of a foreclosure AFTER the borrower submits a complete loss mitigation application. If a borrower submits a complete application for a loss mitigation option after the foreclosure process has commenced, but more than 37 days before a foreclosure sale, a servicer may not proceed for the entry of a foreclosure judgment, schedule or conduct a foreclosure sale until one of the above-mentioned three ( 3 ) conditions have been met. Once the servicer has a complete application, they must place the foreclosure on hold and advise foreclosure counsel of the same. 
XXXX XXXX the same supervisor I have been speaking with confirmed again the sale is moving forward and his supervisor is aware what has taken place. He stated he himself is not even sure why or how this happened!!

Company response to consumer: Closed with explanation