FREEDOM MORTGAGE COMPANY

2019-06-11

Kingstree, SC

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-10

Hi Vista, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-10

Bowie, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Account has been paid off since XXXX of this year but its still reporting on my credit and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-10

Rehoboth Bch, DE

Struggling to pay mortgage

Mortgage: VA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-09

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XXXX of XXXX I started the process of refinancing my mortgage. I was then told that my mortgage company, Freedom Mortgage, had not paid my taxes for the last quarter of XXXX. I opened up an inquiry on that matter with their tax department. When I reviewed my annual escrow statement, it showed that they had issued the tax payment of {$580.00} out of my account in XX/XX/XXXX, but it was not reflected on my taxes. In addition, it showed THREE payments made in XXXX of XXXX to taxes. When I called and asked about it, I was told that it was to pay for the last quarter of XXXX 's taxes. When I asked them why the XXXX payment had not been re-deposited into my escrow account ( since the payment was never made on my behalf ) they said they would open an inquiry. Now, I went to pay my auto insurance, and see that NO PAYMENT has been made for my homeowners, which was due XX/XX/XXXX. My escrow account was debited for the entire amount of my homeowners ( {$1600.00} ) on XX/XX/XXXX, but has yet to make it to my insurance bill. Additionally, Freedom Mortgage has now upped my escrow because there is not enough " cushion ''. There is not enough cushion because the have made incorrect payments out of my account. Due to the tax situation, I recently put in a request to stop having Freedom Mortgage escrow my mortgage. I was denied because the escrow account is negative, which is, again, because they made incorrect payments out of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-04

Spring Heights, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-04

North Prosser, WA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I have received notice from the county stating there is a supplemental delinquent tax bill from years ago that has not been paid by my mortgage lender ( freedom mortgage ). I immediately notified freedom mortgage via phone and email and made it clear to them that the issue needed immediate attention as the county woul initiate foreclosure process if there was no resolution by XX/XX/XXXX. Freedom Mortgage has since been working on the issue with no resolution as of today Tuesday XX/XX/XXXX when the county would be finalizing the foreclosure paperwork. I have continually reached out to freedom mortgage and every time they seem to be confused as to what is going on and after hours of me having to re explain the situation they always promise they will work on the issue and be sure to expedite the process but have never been able to get clear answers. The county has also gotten ahold of freedom mortgage directly with same outcome, no results whatsoever ever. Dealing with all this has cost me numerous hours absent from work , county has added $ 900+ in foreclosure fees and my home is now in foreclosure all while freedom mortgage staff seem to be so relaxed just telling me they will look into the situation and not communicating amongst each other. They have not once reached out to me to update or anything its only when I call them and even then they are all so out of the loop and confused, they need to provide specialized training to those who work in their tax department and work on their note taking on accounts and communication amongst each other because this has truly been a huge hassle, huge head ache and huge loss of money and as of yet unsure on what will be of my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-04

CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: Describes no payment done on XXXX and late on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-03

King, NC

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-03

WA

Incorrect information on your report

Mortgage: VA mortgage

Complaint: I filed for a bankruptcy in XX/XX/XXXX and my mortgage with Freedom Mortgage company was discharged. The debt was not reaffirmed. Yet, in XX/XX/XXXX, they reported me 4 months late on my mortgage on my XXXX credit report. This is against the Bankruptcy discharge issued in XX/XX/XXXX. My attorney said that no payment history should be reported after the discharge date. This is the third time I have had to deal with this. They reported me late in XX/XX/XXXX as well along with late payments in XXXX, XXXX and XX/XX/XXXX ( the XXXX issues have since been corrected ). The last 4 of my SSN is XXXX. Their actions are adversely affecting me trying to reestablish my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-31

Washington, DC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-31

Inglewood, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-30

Waynesville, MO

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-27

MA

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: My loan was purchased by Freedom Mortgage. During the process I had several payments that were sent to the old servicer and were not forwarded according to RESPA guidelines. During this time I had defaulted on my mortgage due to failure to forward the payments which has since been resolved. However, Freedom Mortgage inappropriately reported late payments on my credit report during such time. My loan is current and the issue has been corrected however XXXX has not corrected my credit reports as I was informed. In fact all three of my major credit reports reflect different information. XXXX did acknowledge and take responsibility for this issue and reversed all late payment fees but has not updated my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-25

Syringa, VA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX we advised Freedom Mortgage of our intent to utilize a recast of loan XXXX and paid a {$250.00} processing fee towards that end. On XX/XX/XXXX we forwarded {$200000.00} as a pay-down amount. Freedom provided settlement documents - which contained one or more serious errors. Upon being advised of these errors, Freedom agreed to promptly replace the documents with accurate information. Those documents did not arrive as promised. We made several calls and sent multiple letters to Freedom in the ensuing weeks - receiving no response. Eventually, we began paying the new recast monthly amount ( after being unofficially told via phone of the new recast amount ). ALL payments were made on a timely basis. Freedom then considered the account to be delinquent, and inundated us with automated calls and written material geared towards delinquent accounts. In the meantime, Freedom sent us conflicting information relevant to the escrow account affiliated with the loan, and refunded monies to us without explanation. Only after contacting the CEO of Freedom ( XXXX ) via registered mail did we receive any action. Eventually, Freedom acknowledged grossly mishandling the escrow account, and the recast itself ( and acknowledging the account was always current ). Freedom ignored multiple suggestions that our mortgage interest expense for XXXX would not be accurately reported to us. In fact, not until XX/XX/XXXX did they provide what appears to be an accurate Form 1098 - several weeks after such information can be used for reconciling XXXX taxes. Freedom has not responded to our request for a new amortization schedule pertinent to the referenced loan, and has failed to respond to our request for copies of any negative information Freedom may have provided to credit reporting entities. Freedom has also ( on XX/XX/XXXX ) billed us for a Property Inspection Fee, which is not provided for in the loan agreement - but which is consistent with practices of some mortgage companies when they consider loans to be delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-25

Cheverly, MD

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I made phone payment to my mortgage company Freedom Mortgage XX/XX/XXXX. And received notification late yesterday in writing that my payment was never made. Call customer service and yesterday evening confirmed account information from checking that the payment was reversed and to call my bank. Call my bank and confirmed no payment or not reversal was ever made. Call Freedom again today and was told that payment was take but the wrong bank account information was take at time if process ; and pull the phone records and claim I verbally gave the incorrect account number, but confirmed my payment/account information used every month was correct on record and refused to correct the derogatory reflection on my account or the credit report even after bringing account current despite the representative inputting and not confirming account information before processing the initial payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-20

Charlemont, MA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-17

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: My mortgage was transferred Freedom Mortgage to XXXX XXXX. During the transition period Freedom Mortgage reported to the credit agencies that my mortgage was closed. Of course it was not closed it was transferred to XXXX XXXX by Freedom Mortgage. My credit report suffered because of this and because XXXX XXXX did not report my mortgage payments. I reached out to XXXX XXXX and they said they did report it and I but they could not show me verification of this. I would like this situation rectified as soon as possible. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-17

Milwaukee, WI

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I submitted a complaint on XXXX XXXX regarding freedom mortgage XXXX. Since taking over my account they have not properly performed the escrow analysis on my account with the schedule escrow timetable. I was told that my escrow analysis would be performed in XX/XX/XXXX. The original complaint that I filed with the CFPB states that they would also perform the analysis in XX/XX/XXXX. Freedom mortgage still has not complied. As a result Im paying more towards my escrow then I should instead of my principal. The last time they performed an escrow analysis was in XXXX of XXXX, which is again not the timetable for homes in Wisconsin. They continue to do my analysis on the date they took over my loan. Freedom continues to pay little regard to the large nominal difference in my payments for homeowners insurance. Then instead of paying me out for overpayment on my escrow they find ways to say Im short. This lender again isnt in compliance and isnt properly handling my account. Now that XXXX has passed im again requesting an escrow analysis be done on my loan outside of the schedule since they again didnt do as they promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-16

Trouble during payment process

Mortgage: VA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-16

Beyersville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage company Freedom Mortgage will not send my escrow refund check of XXXX. I contacted them in XXXX to see when I would be getting the surplus escrow I paid. The lady informed me any surplus would automatically be sent to me in the form of a check. A month later XX/XX/XXXX I called again checking on the status of my refund. The lady apologized for the misunderstanding and assured me the check would be mailed the next day. It's now XXXX and I still haven't recieved my refund ... so I call the company back and they state it was mailed on XX/XX/XXXX. I'm not sure how that's 2x in a row my check was mailed and not received. It's also frustrating the lady I talked to in XXXX said it would be sent the next day. Today XX/XX/XXXX I asked if the company could just XXXX XXXX me a new check. After being on the phone for 20 min she said that's not possible. I don't know where to turn or why I have to chase my escrow refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-15

Kirby, TX

Trouble during payment process

Mortgage: VA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-14

Santa Ysabel, CA

Closing on a mortgage

Mortgage: FHA mortgage

Complaint: On XX/XX/2019 during a phone conversation with FHA representative the Real Estate Settlement Procedures Act was brought to my attention. Specifically, that all borrowers are entitled to an itemized statements of actual settlement costs. The one I received is for lack of a better word a joke. ( See Attachment # 1 ). I contacted escrow/title officer XXXX XXXX at XXXX XXXX XXXX via email and requested she give me an itemized settlement showing who was paid and how much and was was paid from cash to close and what was to be paid from the loan amount. She directed me to contact the servicer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-14

Colo Spgs, CO

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XX/XX/XXXXlate payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XX/XX/2019. It was the first time I have heard of the change in the previous three times speaking with Freedom Mortgage Company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XX/XX/XXXXdue to billing statement they sent to my house on XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XX/XX/XXXXlate reporting. See notes for XX/XX/XXXXreporting please under mortgage notes with company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-13

Charleston, SC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response