Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am a Veteran. I used my VA loan to purchase a property for {$360000.00} and my lender is Freedom Mortgage. My interest rate is XXXX % and my mortgage payment is {$2400.00} on a XXXX year fixed. I do not believe there is private mortgage insurance ( PMI ) on the VA loan as I do not see that information in my disclosures. I pay my homeowners insurance in full each year. I closed escrow XX/XX/year>. I have never missed or defaulted on my mortgage. 

Example on {$450000.00} property : a XXXX year mortgage at XXXX % the monthly is around {$2200.00} a month, XXXX year mortgage at XXXX % is around {$2100.00} a month, XXXX year mortgage at XXXX % is around {$2100.00} a month. With regard to payments, Escrow, taxes, or insurance, fees charged, and paying off my loan there needs to be an audit as I believe I have been over billed from XX/XX/year> to present. 

On a seperate note, since closing escrow, I have been subjected to severe housing discrimination by a group of dangerous outside agitators as well as the builder XXXX XXXX XXXX Homes- with housing developer XXXX XXXX XXXX XXXX There has been property vandalism to my vehicle and property, harassment, threats, remote hacking into my router, spying/stalking, criminal trespassing, death threats, noise disturbances, wiretapping my wi-fi appliances, mail theft, politically motivated exploitation, religious XXXX ( some are with XXXX ), sending me disturbing explicit mailings, homeowners insurance company and others carrying out actions without my authorization and rewarded with kickbacks, tampering with the foundation of the property, water and electrical systems, false imprisonment, harassment, defamation, invasion of privacy, negligence, breach of duty, abnormally dangerous activities, and other " fair game '' terrorism from the " close knit community '', local extremist good ole boys and corporations tied to the troublemakers. I have filed complaints regarding hate crimes, housing discrimination, privacy violations, unfair, deceptive acts, practices and corporate bullying to the lender several times as well as FTC, FCC, HUD, XXXX and other government officials and third parties e.g. XXXX also involved. The group is affiliated with organized crime and have been terrorizing me since I closed escrow. I received a letter from XXXX which sounded to me like conversion. When I responded to inquire if this had anything to do with mineral rights and/or fracking- I received no response. I also filed a complaint via the White House website. The housing developer XXXX XXXX XXXX has also been passive aggressive in his approach with my property. I provided a copy of the letter to the lender and asked them to inquire with XXXX as to what was going on and the lender told me they would get back to me in a few business days and never responded.

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