Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We have challenged a fraudulent foreclosure brought against us by Freedom Mortgage in XXXX and now that the terms of mediation are complete and signed, the lender has failed to comply with terms- even at behest of their own attorneys. Now- since XXXX they have started putting our on- time, full amount payments into a holding account and saying we are late or non-paying, and charging many fees not agreed to in loan modification documents they signed. This is how they first began the underserved foreclosure before in XXXX, at which time they place over {$7000.00} of our monthly payments in a holding account and attempted to foreclosure on us. 
We have not recovered this money - and now theyve taken over {$3000.00} since XXXX, and are also trying to charge us for fake home inspections, as well as late payment fees. 
While they removed the foreclosure status in our credit reports by order of the court, they have still failed to remove the over 180 days late stays of our payments- which would include the time ordered by the judge that we not pay until mediation was finished. This includes the times where they put payments we made into unapplied funds accounts and barred us from paying through their website and sent payments back to us. We made every effort to pay and have proof of everything. In all, it has taken us over 5 years ( due to their continual loosing paperwork, taking months to provide us with a location and amount to pay for three trial payments, and just general dragging feet for the total of over five years during which we were unable to earn equity by our payments, nor make any needed improvements to the home, built in XXXX, and with many original features. 
My daughter and myself are current owners of the home and both suffer from lupus. I am XXXX and on social security. I am also diagnosed as terminal with XXXX XXXX and XXXX XXXX XXXX, and am completelXXXX XXXX - a fact known to their attorneys because I had been unable to attend mediation meetings, but my daughter ( who is on the loan ) attended everything. 
Meanwhile, our family also came down with XXXX last year, including my daughters new spouse and her XXXX children. She was at the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This just a few of the hardships we have suffered while being forced by the circumstances to live in a too small home with inadequate infrastructure that has been constantly in need of repair. 
But due to the credit remarks- and now a recent report of a late payment in XXXX, when we have proof of on time payment, we cant buy another home or even refinance to get rid of this company. We have, as of XX/XX/XXXX, opened a complaint against Freedom mortgage with our bank ( XXXX XXXX ) because of false reporting and claims of not receiving payments. They are tacking on erroneous fees such as late charges and inspection charges. Even their lawyer keeps saying that these things are supposed to be fixed, and that fees would be removed and we would be made completely current and in good standing. Their lawyer has stated since XX/XX/XXXX that these things, including all late and missed payments reported since XXXX would be removed. Still, as of XX/XX/XXXX, these promises have not been met. In fact, it keeps getting worse. 
They have not only completely messed up our credit, but according to XXXX, they have completely deleted our mortgage account. Their lawyer says this will be fixed, but has not been. 
We have filed disputes through the credit bureaus and provided proof of everything and nothing gets resolved. The credit bureaus seem to take Freedom Mortgages word and dispite proof provided in disputes, nothing is fixed. 
Here is a bullet point of what needs to be resolved asap : -Fix the late and missed payments from BEFORE and after the modification. This has been promised and not done and would literally fix the bulk of this. No excuses. There should be NO LATE Payments on our credit. Period. They even returned payments I tried to make to them in this " negotiation '' period. They refused a {$7000.00} payment I tried to make even before the foreclosure. They sent payments back to us and the judge ordered us not to pay after they filed foreclosure against us. The timeline and paper trail from all these years is provable. 
-Return our payment to the modification agreed amount of {$1100.00}. NOT {$1400.00} plus and NOT the new amount of {$1200.00} that they claim is because of escrow adjustments ( see my previous responses to this lie ). 
-remove erroneous fees like false late charges and inspection feesWe want this in writing from them when they follow through on these promises. 
They MUST report to XXXX our account current ; in good standing. XXXX themselves told me that Freedom Mortgage deleted the account and stopped reporting. 

These things must happen now, no more excuses.

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