This company has continued to take half of my payments and either applied them to suspense OR to the principle, EVERY MONTH they are calling me telling me that I am late, they have reported to the the creditors that i am late However i am in reality a month ahead. I initially made one full payment to prevent from being behind as I made biweekly payments. I was scheduled to start bi-weekly mortgage payments in February. I completed all the documents to move forward with this new lower interest rate. This by far has been a "living Nightmare!" Once my loan was sold to them they contacted me to inform me that my loan qualified for modification that would lower the interest rate. In November 2021 My Loan was sold to freedom mortgage. We have complied with all requests and yet the correct paperwork has not been received. We simply need someone to send us the correct paperwork to sign. Yet, the papers we are to sign have not been sent. The agreement letter is in our file and dated 2/9/22. Please please fix our loan and honor the 3.625% rate we have been waiting on since March 2022. Yet, we get phone calls demanding we pay all of the monies from the forbearance. It is extremely upsetting that nobody seems to know what to do. Can someone please send us the correct paperwork that honors the attached letter? We can then begin paying on our home. We have continued to call every 2 weeks and are told our mortgage will be fixed. All we get are apologies, but now someone took us out of loss mitigation! Now we are faced with losing our home. We have been waiting for someone to fix our loan. I never chose to work with this company - they're a bunch of pirates who don't care, and now I am left to navigate a holiday weekend with travel and the rest of next week with no cash.on the hopes of MAYBE I get my money back. That's a whole week with no cash, over a holiday weekend. The AWFUL customer service laughed at me on the phone, and said he would see what he could do, but that I likely wouldn't get the other half of my money back until late next week. Well freedom didn't recognize that I had made my Aug payment over a week ago and decided that today 9/1 they were going to charge me two mortgage payments, and overdraft my checking account. Then I set up September as my first auto pay. And made a one time late payment to cover it. I was unable to set up my ACH in time for August. As part of the onboarding process, they sent me an email with the wrong name and loan number. My mortgage was transferred to this joke of a company. Please if your with Freedom Mortgage find a way to switch to a New Mortgage company! I paid June and July 2022 House payment to then in July 2022 served Foreclosure paperwork!! THIS has been a total nightmare! I have hired a Lawyer to defend me and to KEEP my HOME! Freedom Mortgage not getting me corrected loan paperwork then seek to take my home for their CONSTANT MISTAKES and being lied to over the phone over and over is why I am leaving this review!. Finally i was told in May of 2022 to send my payment in and they will get the Loan documents corrected and sent to me. I was continually stalled by there mistakes to be able to make my new Loan payment. Well they then again sent months later the incorrect documents April 2022 ,that again I couldn't sign and have notarized. I called them and they apologized telling me we will get the document corrected and sent to you. Was then sent the WRONG incorrect Loan documents in December of 2021. Was in Covid 19 Cares Act Protection and then came out of the 1 year protection and agreed to my new Loan Modification Terms with there Loan associate over the phone October 2021. He was a combat veteran, career Marine of over 22 years and they just auctioned off the property, breaching the agreement. This company lied to us, then sold my father's home. They didn't mention anything about it when my sister called them a couple weeks ago. We have received no communication regarding another foreclosure or auction. They have my phone number, email, and home address, and that same information for my sister as well. They claim they have been trying to reach us for many many weeks, however, this is not true. They did not honor the agreement, the new loan or anything they said they would. Less than a week ago we found out they went ahead and auctioned off the house. They reviewed the account and took the payment as agreed. We spoke to them at the end of October to make the payment. The agreement was to make the first payment on the new loan in November. There was an auction set to happen about two months ago, but once we were approved, they stopped the auction and took the house off the market. After my father passed, we applied for a loan modification to assume the loan.
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