Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
With all due respect, I am writing this letter to you asking, no begging for assistance. We have had a mortgage with Freedom Mortgage since XXXX of XXXX. The title agency sent two women to come to our home. My husband, whom is dyslexic and has been, signed the mortgage. This is a community property state. They would not let me sign the mortgage contract. My husband signed to a fixed rate of {$550.00} and then oddly, a second amount, another page, same date was signed for {$680.00}, I believe to include escrow. We have not seen either of these amounts, some times significantly higher payments, since XXXX of XXXX. We have at times paid more money and did not get the amount deducted from the principal balance still owing. We have sent payment after payment and they go to an account called, " unapplied funds '' never getting any deduction whatsoever. The account number changed abruptly on XXXX of XXXX, we are a high interst rate of 6.75 % trying over and over again to refinance with other companies and Freedom Mortgage tells these companies, " NO '', we have seen attorney after attorney, filed for bankruptcy although we did not follow through secondary to " we are not bankrupt ''. We have sent each and every payment that has been paid and deposited into Freedom Mortgage 's several bank accounts with no deduction. We were advised by our lawyer to stop making payments in XXXX of which we did but then again began payments on a regular basis and then get threatened over and over again for a foreclosure. We borrowed {$85000.00} and paid almost {$43000.00} in XXXX of XXXX to still be owing {$62000.00}? I called today to get the name of our insurance company and I was told, " your insurance is lender paid ''., so we have no insurance. The fixed rate is {$550.00}. So the account is with Freedom Mortgage # XXXX. The original account number was # XXXX. We don't know what to do. This company has stolen from us. We want to get away fromthis company. What can we do? You all fined and collected {$1.00} million XXXX from this company. We are tired of dealing with them. They are holding our home over our heads. We borrowed {$85000.00} in XXXX, having paid for 15 years ( of which I have each and every document to confirm ), paid almost {$43000.00} in XXXX of XXXX and we still owe {$62000.00}. I don't think so. I have asked you over and over again to help us. Please, Please do. Because I will have to file in a federal court. We are not loosing our home, we are exhausted of paying and not getting credited, and we don't want to deal with this company ever again. Every timne we went for a refinancing, they hurt our credit. And I XXXX XXXX XXXX am not even on the account verified by today 's phone call asking for our Homeowner 's Insurance and the policy number to hear the Freedom Mortgage employee XXXX say, " you don't have insurance, it is lender paid ''. Then what is the money over {$550.00} fixed rate payment going too? And in XXXX of XXXX, I made an extra {$1000.00} to their demand for home owner 's insurance? Someone is corrupt there and it is time for us to get JUSTICE. I will not, will not give up.

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