Fraudclosure: “There was plenty of money in that unapplied (account) to make a full payment”

“If I lose my house I can’t work and my kids will lose their school and they’ll lose their home,” Raborn said.

Raborn said she and her husband spent twelve months correcting an issue with their home’s escrow. She said since they met their obligation, the lender has put some of her recent house payments in an unapplied account, where partial payments are held until they can be applied later. Raborn said she is being unnecessarily charged late fees.

“There was plenty of money in that unapplied (account) to make a full payment,” Raborn said. “This has snowballed to the point to where we’re behind on everything.”

Raborn said she is spending so much time dealing with the lender, she has had to limit her homeschool teaching. She also said her family now relies on a food bank.

“Our kids were doing great, but because of all of the stress in the house, it’s put stress on them,” Raborn said.

Freedom Mortgage said it graciously accommodated its customer and responded with a viable solution when the Raborns made additional requests.

However, Raborn rejected the terms, including, she said, a provision that would have required her to keep the matter private.

“I’m willing to be open to anything that they bring before me but I will not sign away my rights to speak and to associate in order to get a resolution,” Raborn said.

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