Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My mom, brother, and dog all passed away in my house in XXXX within less than 2 months a week before Covid 19 shut down everything. Freedom Mortgage called me and asked me about forbearance. I was hesitant because I was waiting for my adjudication, but they reassured me that all was easy and wouldn't affect me in anyway. So, they talked me into it to help pay other bills. ( All before I got adjudicated ) When it was time to have everything moved to the end of the loan and start paying again, they wouldn't send me the paperwork to sign. After over a year, I told them that I moved closer to work and all of a sudden paperwork showed up. Yet still after another month or so and several phone calls later. However, when the paperwork finally got to me it was wrong. It had my ex-wife on the paperwork. They had me send in different papers to prove she shouldn't be on there but come to find out, they told me the wrong papers, needed more paperwork, and couldn't find the paperwork. After pressing that they did have it they were able to find it different times. I had the VA, XXXX, and fianc ( now wife ) all on the phone calls with and without me. They also gave the XXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX XXXX. XXXX ) a very hard time and wouldn't work with him or answer his questions. They wouldn't even give the VA a payoff letter because I had received one fouXXXX months earlier. FMC refused to stop the sale that never should have been started in the first place. There were much more correspondences between each but never was able to get foreclosure stopped so the buyer could purchase. I was told by the VA that over 90 % of the company ( Freedom Mortage ) were XXXX and of them, over 50 % were being forced into foreclosure. 

The buy was paying cash. All funds had been verified and earnest money paid along with paperwork for closing signed already and they still wouldn't stop it. VA stated that I owed XXXX  XXXX ( ish ) and the buyer was paying XXXX XXXXXXXX which is what it appraised for by the appraised they hired. It sold for XXXX  XXXX and FMC said I owed XXXX  XXXX ( ish ). It is my understanding that they wrote that part off but who knows. They didn't do anything else they said before. My point is, if it was never supposed to be in foreclosure ( per them ), how can they charge me the XXXX XXXX ish? How can there be extra fees if they wouldn't give me a monthly payment or get the paperwork to me? I was even told by the VA that Freedom cliental was like 90 % XXXX and that at least 50 % were being forced into foreclosure. FMC recorded the calls and we have a call or two recorded also. If someone could get the recordings from them, it would be very obvious that they forced me into a foreclosure. 

Please help. Even if I can't get my stuff fixed, It would be nice if they didn't do the same to others. I really would like to get what I deserve out of it and fixed. 


Thank you, XXXX XXXX XXXX

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