Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Subject : Complaint Against Mortgage Servicer and Foreclosure Counsel Regarding FHA/HUD Noncompliance , Loss Mitigation Violations , and Foreclosure Conduct I am submitting this complaint regarding the conduct of my mortgage servicer and related foreclosure actions concerning my FHA-insured XXXX XXXX located in Florida. This complaint involves serious concerns regarding compliance with FHA/HUD mortgage servicing regulations, loss mitigation obligations, foreclosure procedures, document irregularities, and servicing conduct that may violate federal mortgage servicing requirements and consumer protection laws. Background and Hardship My mortgage originated in approximately XX/XX/XXXX as an FHA-insured loan. My family experienced significant financial hardship beginning in XXXX due to substantial medical expenses associated with the birth of my son on XX/XX/XXXX, complications from my XXXX XXXX that prevented her from working for an extended period, and ongoing medical treatment needs. Additional financial strain resulted from major home repairs including replacement of windows, air conditioning system failures, and ceiling repairs caused by the defective XXXX XXXX I also experienced delays involving tax matters for tax year XXXX, for which I have been working with a tax advocate. Despite these hardships, I have actively attempted to pursue available loss mitigation options in good faith and retain my home. I have already completed prior FHA partial claims totaling approximately {$43000.00} and have continued seeking available FHA loss mitigation alternatives well within the cap of partial claims. Primary Concerns XXXX. Failure to Comply with FHA/HUD Face-to-Face Requirements I have substantial concerns that the mortgage servicer failed to comply with HUD/FHA face-to-face meeting requirements and related servicing obligations prior to initiating foreclosure litigation. The servicer has referenced letters and alleged attempts ; however : XXXX I dispute whether proper face-to-face meeting requirements were satisfied. XXXX I dispute whether reasonable efforts as required under HUD regulations were properly completed. XXXX I have not been provided sufficient evidence demonstrating full compliance with HUD requirements prior to foreclosure filing. XXXX I have concerns regarding whether any alleged attempts satisfy the requirements under applicable HUD regulations for FHA-insurXXXX loans. I request CFPB review whether the servicer fully complied with all HUD/FHA servicing prerequisites before foreclosure initiation. XXXX. Active Loss Mitigation and Mediation Concerns/ Potential Dual Tracking A foreclosure mediation proceeding had already been scheduled prior to the filing of a Motion for Summary Judgment in the foreclosure action. At the same time XXXX XXXX I was continuing to seek assistance and evaluation for loss mitigation. XXXX There were unresolved disputes regarding servicing conduct and FHA compliance. XXXX There were pending concerns regarding required FHA servicing obligations. I am concerned the servicer may have engaged in improper dual tracking practices by simultaneously pursuing foreclosure judgment while loss mitigation and mediation efforts remained unresolved. XXXX. Concerns Regarding Mortgage Ownership Documentation and Endorsements I have identified apparent discrepancies and irregularities involving endorsements/allonges and documentation presented in the foreclosure action. Specifically : XXXX The endorsement appearing in foreclosure filings appears materially different from documentation associated with the original loan records. XXXX Portions of the endorsement appear altered or written over. XXXX There are concerns that another entitys information may be obscured. XXXX I have concerns regarding whether the plaintiff possesses proper standing and whether the chain of ownership and transfer documentation has been properly established. I request investigation into whether accurate and authentic loan ownership documentation has been maintained and presented. XXXX. Insurance-Related Concerns I have serious concerns regarding actions involving my homeowners insurance policy with XXXX XXXX. I believe actions may have been taken affecting the insurance coverage without my authorization or without proper disclosure and communication. I have requested communications and records relating to any communications between the servicer, foreclosure counsel, third parties, and the insurance carrier. I request investigation into XXXX XXXX Whether the servicer improperly interfered with homeowners insurance coverage ; XXXX Whether proper notice and authorization procedures were followed ; XXXX Whether any force-placed insurance or insurance-related servicing conduct complied with applicable federal regulations. XXXX. Failure to Provide Requested Information and Documentation I have requested documentation and information relating to : XXXX FHA/HUD compliance XXXX XXXX Face-to-face meeting efforts; XXXX Loss mitigation evaluationsXXXX XXXX Insurance communications; XXXX Loan ownership and transfer documentation. I do not believe adequate responses and supporting documentation have been provided. Requested Resolution I respectfully request that the CFPB investigate the conduct of the mortgage servicer and related parties and require : XXXX. Full accounting and review of all loss mitigation options still available under FHA guidelines ; XXXX. Complete documentation demonstrating compliance with all HUD/FHA foreclosure prerequisites ; XXXX. Copies of all communications involving my homeowners insurance carrier ; XXXX. Verification of the complete chain of ownership and authenticity of endorsements/allonges ; XXXX. Suspension of foreclosure advancement until all compliance and servicing issues are fully reviewed ; XXXX Review for potential dual tracking or other mortgage servicing violations ; XXXX. A complete servicing file and detailed explanation of all actions taken regarding my account. This property is my Florida homestead residence, and I am attempting in good faith to preserve homeownership while ensuring that all federally required FHA servicing protections are properly followed. Thank you for your review and assistance.

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