Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
FREEDOM MORTGAGE AND XXXX HAVE BEEN TWO OF THE MOST DISHONEST COMPANIES I HAVE EVER DEALT WITH. ATTACHED IS NEW EVIDENCE TO CONVICT THESE XXXX WITH. 

HERE IS A BRIEF SUMMARY. FREEDOM MORTGAGE REQUIRES WIND INSURANCE ON THEIR LOANS IN FLORIDA AND IT IS ALSO THE SINGLE MOST EXPENSIVE ITME IN THE ANNUAL TAX/INSURANCE ESCROW. THESE PREDATORS CAME INTO OUR HOME, AND MISLED XXXX YEAR OLD VICTIMS. 

THEY TOLD US OUR PAYMENT WENT DOWN ... THIS WAS A LIE. THEY ADDED YEARS TO THE LOAN AND THOUSANDS AND THOUSANDS OF DOLLARS IN ADDITIONAL PAYMENTS BUT HID THESE FACTS USING FRAUD DURING THE DISCLOSURE PROCESS. THESE CRIMINALS WANT US TO BELIEVE THAT THIS INCREDIBLY WELL CALCULATED AND WELL PLANNED THEFT WAS ALL INADVERTANT AND JUST A SIMPLE ERROR. THIS CLAIM IS LAUGHABLE. XXXX SHOULD BE FINED AND PUT IN PRISON FOR INTENTIONALLY DEFRAUDING THE US FEDERAL GOVERNMENT AND CONSUMERS. 

THE LOAN ORIGINATION FRAUD WORKED WELL. THEY SLIPPED IT PAST THE TRUSTING XXXX VICTIMS. IN YEAR 2 HOWEVER, THE MONTHLY PAYMENT ALMOST DOUBLED ... BUDGET BREAKER FOR XXXX ON FIXED INCOME ... AND THESE CRIMINAL XXXX KNEW THIS. 

WE SAVED OUR HOME AND MADE EVERY PAYMENT BUT WE ALWAYS HAD AN ESCROW SHORTAGE. THEN, MY HUSBAND DIES SUDDENLY. IMMEDIATELY UPON RECEIVING A DEATH NOTICE ON ONE OF THE SPOUSES, THEY COMMIT EMBEZZLEMENT AND STEAL ALMOST {$1500.00} FROM MY ESCROW ACCOUNT. I AM NOT NOTIFIED WHEN THIS MONEY LEFT NOR AM I NOTIFIED WHEN IT WAS RETURNED. I HAD TO SPEND HOURS AND HOURS WITH THE PUBLIC RECORDS PEOPLE AT THE COUNTY AND I FOUND THE ANSWERS, XXXX ( A FREEDOM MORTGAGE FRONT COMPANY DISGUISED AS A 3RD PARTY ) AND FREEDOM MROTGAGE NEVER PROVIDED THE HELP OR ANSWERS ... BUT THEY DID TRY AND FORECLOSE EVEN THOUGH WE MADE EVERY SINGLE MONTHLY PAYMENT. 

WHEN WE DISCOVERED THE ESCROW EMBEZZLEMENT, THEY SAID THEY WERE GOIUNG TO PUT THE MONEY BACK BUT NEVER TOLD US WHEN OR THE AMOUNT. WHEN THE ILLEGAL FOREC, OSURE WAS AVERTED AGAIN THROUGH PAYMENT AND ACCOUNT RECONCILIATION, FREEDOM MORTGAGE TRANSFERRED THE ILLEGAL, FRAUDULENT LOAN, TO THE ONLY XXXX I KNOW MORE CORRUPT THAN FREEDOM MORTGAGE, XXXX MORTGAGE. 

WHEN NOTIFIED OF THE FRAUD XXXX BEGAN AN INVESTIGATION BUT THE CRIMINAL RACKETEERING SCAM IS NOT SET UP TO HELP, IT IS SET UP TO STEAL. EVERY MONTHLY PAYMENT WAS MADE YET XXXX PICKED UP AN ACCOUNT OVER A YEAR BEHIND IN ESCROW PAYMENTS, SO THE PAYMENT DOUBLES AGAIN. 

THE COUNTLESS ACTS OF FRAUD ARE GUT WRENCHING. THESE XXXX WORK TOGETHER TO STEAL. WHEN PROBLEMS ARISE THEY DO A PORTFOLIO TRANSFER AND HIDE THE CRIME. FREEDOM MORTGAGE DID IT. XXXX DID IT. AND I DOCUMENTED XXXX IN XXXX FLORIDA SEIZED AND RESOLD BY XXXX EVEN THOUGH WE HAD, IN WRITING, XXXX ADMITTING THEY NEVER LEGALLY FORECLOSED. 

THESE ARE NOT ACCIDENTS FROM HONEST COMPANIES. THE LACK OF CORRECTION IS THE BIG CLUE. EVERY SINGLE MISTAKE HURTS THE CONSUMER. EVERY ILLEGAL ACT DESTROYS THE CONSUMER. CUSTOMER SERVICE IS A FRAUD. EXECUTIVE XXXX CRIMINALS LIKE XXXX AT XXXX, XXXX AT XXXX, AND XXXX AT XXXX MORTGAGE ... CAN ALL LOOK A VICTIM IN THE FACE ABND SAY " YES, WE COMMITTED LOAN FRAUD, ESCROW FRAUD, EMBEZZLED FUNDS, COLLECTED PRINICIPAL WITHOUT CREDIT AND ADDED RANDOM ILLEGAL FEES TO FUEL THE COROPORATEJETS WE USED ... SORRY YOU LOST YOUR HOME BUT YOU XXXX, YOU SHOULD HAVE PAID YOUR BILLS AND IT 'S ALL YOUR FAULT FOR GETTING A LOAN '' WORDS CAN NOT DESCRIBE HOW DESPICABLE THESE PEOPLE ARE. THEY STOLE MONEY FROM A GRIEVING WIDOW WITHIN DAYS OF HER CREMATING HER HUSBAND WITH NO GUILT OF ANY KIND. 

ATTACHED~ NOTICE THE FORECLOSURE ATTEMPT IN XXXX AND THE ILLEGAL LOAN TRANSFER IN XXXX AFTER WE SAVED THE HOME FROM YET ANOTHER INTENTIONAL CRIMINAL ACT. 

I CAN NOT STEAL CARS AND SELL THEM. FREEDOM CAN NOT WRITE ILLEGAL LOANS, COMMIT FRAUD AND SELL THEM WHEN THEFT IS UNSUCCESSFUL

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