FREEDOM MORTGAGE COMPANY
Consumer Complaints
There are over 2590 complaints on file for FREEDOM MORTGAGE COMPANY. Dated between 2019-12-13 and 2012-06-13.
Complaints Page 22
2019-01-25
Boardman, WI
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
2019-01-24
Mabank, TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income and pay rate being reduced. I completed the modification packet provided by Freedom Mortgage and faxed all requested documents in as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX & XX/XX/XXXX. I followed up on XX/XX/XXXX and resent the modification packet again. On XX/XX/XXXX I received a letter from Freedom Mortgage advising that neither of the three modification packets that had been faxed and/or emailed was not received and all information had to be resubmitted. I resubmitted the documents again on XX/XX/XXXX. I then contacted Freedom Mortgage on XX/XX/XXXX due to receiving a letter from them advising again that all information that had been resubmitted, was not received!. The agent on the phone then submitted a request for loss mitigation to go back thru the previous documents received to retrieve all the documents needed. I called back on XX/XX/XXXX to confirm receipt of documents, and check status of modification, I was then advised that I needed to send in documents to confirm my spouse 's income information and my pay stubs which I had already sent in the initial request, along with a Hardship letter. On XX/XX/XXXX I called to confirm receipt of documents was advised that all documents were received but the wrong XXXX document was sent. I call again on XX/XX/XXXX, to check status of modification. Freedom Mortgage rep then advised me to send in again my pay stubs received from my last employer and a letter of hardship. I emailed these documents over on XX/XX/XXXX. I have asked and asked them to decision my Modification, but I keep getting the run around. They'll say I haven't sent a document in or didn't complete it right. I need help to keep my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-24
KY
Trouble during payment process
Mortgage: FHA mortgage
Complaint: We took out our Mortgage through XXXX in XX/XX/XXXX. It was then sold to Freedom Mortgage. We have always made our payments on time and early whenever possible, and have paid more than our payment whenever possible. Equally dividing the extra we have paid between our principle amount and our escrow account to make sure that the account had plenty of funds available for our taxes and insurance. In XX/XX/XXXX we received a check for over four hundred dollars. In addition, we received a letter from Freedom Mortgage stating that our payment had been adjusted down from {$460.00} to {$430.00}. We promptly contacted Freedom Mortgage to insure that this wasnt some sort of mix up or computer error. We were told that no is was not an error and that they had done an audit and found that our taxes were lower than originally estimated, and that the check was the overage amount in our escrow account after the taxes, and insurance had been paid. We asked if we needed to return the amount to our escrow account to be safe and were told no that it would just be an overage that would be sent back to us the following year. We were also told that because our payment had been adjusted down but still did include funds for our escrow account to pay taxes and insurance that the money would just continue to flow back and forth because it was not need. Then around XX/XX/XXXX we received a notice saying that our escrow account was negative almost {$520.00} and were informed that we could either make a payment to our escrow account of {$520.00}, or that our payments would be increased to {$510.00} for the next twelve months, and if we paid the {$520.00} now our payment would still go up to {$460.00}. When I spoke with someone, they were very rude and told me there was nothing I could do but to pay it or let it be split over the next 12 months, and when I asked to speak with his supervisor he refused by telling me he couldn't transfer me due to his supervisor being busy. I said I would wait and he said that I wouldn't be allowed to wait. I hung up and immediately called back and spoke with someone else who went back and looked into why there was a change. Apparently they did a second audit on our escrow in XXXX and realized they messed up the first time. They tried to put me in touch with their team lead, but she was too busy, so we scheduled a call back. When she called back she did nothing but continue to tell me I had no other options but the initial 2 and that they did not make a mistake. She also told me that I should have taken the check they sent and put it back into my escrow account instead of spending it. And when I asked then why did they change my payment twice in a matter of 3 months, she told me they can not change my payment. I proceeded to ask her then why has it changed on my bill, and she replied that the escrow amount changed. I then asked to speak with her supervisor, who's name was XXXX XXXX. He started it off by also saying that I should've been told to put the escrow check back in the account. He proceeded to offer to spread out the escrow shortage over 24 months instead of 12. When I told him that still didn't answer any questions, he proceeded to tell me I still had to pay the amount no matter what. I still don't understand why I am expected to pay for a mistake they made. If they had just left my payment at the XXXX this whole thing would have never happened. Please look into this, as to why their supposed policy demands that they mess up their customer life in an unfair manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-24
Fort Worth, TX
Trouble during payment process
Mortgage: VA mortgage
Complaint: Stated I have an escrow shortage of {$190.00} when I am 100 % XXXX XXXX in Texas not paying property taxes and insurance was payed up. Still taking property taxes into escrow when they should not be. Will not return my calls or emails. Continue to say that they will be doing an escrow analysis on my account a couple days after I call. Escrow refund of {$5400.00} was told to look out for it in mail and haven't received it a week later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-23
Newnan, GA
Trouble during payment process
Mortgage: VA mortgage
Complaint: I have called Freedom Mortgage several times on XX/XX/XXXX and XX/XX/2019 as well as today. I have asked them several times about my yearly escrow analysis which is done the first week of XX/XX/XXXX every year. The representative today said she does not see where they have started on my escrow analysis and that my mortgage payment will still be the same next month. I told her " that would not be fare because I have already did my own calculation of my yearly escrow analysis and my payment will go down as well as they would owe me a escrow refund check. She stated that, since she does not see where they have started on it all she can do is put in a request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-23
Irvington, NJ
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
2019-01-23
IL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Freedom Mortgage is attempting to take my home from me through the foreclosure process, even though they have never provided me with any sort of mortgage assistance on my FHA loan. Every time I have tried to work with them, they claim that they did not have all the documents to perform a review for assistance. However, I gave them every scrap of paper and bit of information they requested. They are just unwilling to get this done and I am shocked at their incompetence. I have an FHA loan and there are very clear guidelines on how a loan should be treated, but they are just trying to foreclose on my home and take away my equity. I have never had a single point of contact and they act like a bunch of thugs and baboons. I have reached the end of my resources and am in the final stages of foreclosure. I have done everything I can to work with them, but it is an act of futility. I went through some difficult times financially when I lost a large contract and then I had a nightmare of a tenant who wouldnt pay rent or leave the property. I have now resurfaced financially, but Freedom Mortgage is unwilling to work with me to modify my loan. I have never had a single point of contact and had to work with different people every time I contacted them. No one had control over my request for mortgage assistance and nothing got done. Freedom Mortgage isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me save my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-23
Ft Myers, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: We have been working with a HUD counselor since XX/XX/XXXX. In XX/XX/XXXX a lis pendens was put on our property. We have submitted all documents requested by Freedom Mortgage and they have been ve19ry slow to respond, We have asked them to allow us to pay our mortgage as they keep telling us we are responsible for payments during the slow process of evaluating our circumstances, but they will not accept any payments from us. The process of resubmitting documents went in for 3 months and we couldn't make any payments during this time. On XX/XX/XXXX we received a letter stating that we could not prove our case. We had requested that since we didn't receive the promised help during Hurricane Irma, we requested to have several payments put on the end of the loan, since we were out of work and had expenses due to the storm. We also had family members diagnosed with XXXX and several deaths which required us to travel. We could not produce every receipt they wanted because we didn't expect to end up in this situation, so they denied our claim and have told us that our only two options are to do a pre-foreclosure sale or a deed-in-lieu.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-23
Arlington, TN
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-23
KS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I called Freedom Mortgage on XX/XX/19. I made it extremely clear that I wanted to pay {$25000.00} to principal only. I know the call was recorded and I reconfirmed that it was for principal only. However, instead of applying the full {$25000.00} to principal, only {$19000.00} was applied to principal on XX/XX/19, and the remainder was applied to two extra regular monthly payments. On XX/XX/19, I received a physical letter in the mail, dated as of XX/XX/19, telling me that Freedom Mortgage was transferring my loan on XX/XX/19. Therefore, it seems as if Freedom Mortgage blatantly collected two extra interest payments against my wishes, and in turn, hoped to flip the mortgage to a different servicer before I noticed the error. I can't imagine this is legal in any way.
I'm not exactly sure what legal recourse/ability I have to file a proper complaint, but if I would not have been diligent in my record keeping, it would have been monetarily detrimental to me and a benefit for Freedom Mortgage.
Please find the attached screenshot of my Freedom Mortgage account as of XX/XX/19 that notates the incorrect application of principal along with the reversals after I discovered the error. I also attached the notice of transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-22
KY
Struggling to pay mortgage
Mortgage: VA mortgage
Complaint: I am an XXXX XXXX XXXX in the XXXX and stationed at XXXX XXXX, KY. I am writing in regards to my rental property at XXXX XXXX XXXX XXXX , XXXX XXXX, GA.
I purchased the home with a VA loan and had a mortgage agreement with XXXX XXXX XXXX and XXXX ( " XXXX '' ). I arranged for payments to be made automatically from an account, and since buying the home have always been on time with payments with automatic payment system with XXXX.
Apparently my mortgage was sole to Freedome Mortgage Corporation ( " Freedom '' ). I was unaware of the sale because I never received any type of notice from XXXX or Freedom of the change of companies. Not an email, phone call, or mailing letter.
Because I was unaware of the sale of the different mortgage and another company was now managing the account, I continued making payments, form the automatic draft account to XXXX. As a result, Freedom apparently believed I was delinquent in making payments on my mortgage. Any notice from Freedom sent were never received by me and in fact, when notified of the foreclosure form my property managing team, I called Freedom and the representative clearly admitted to me on a recored line that all correspondence was returned to then unopened and marked " Return to Sender ''. Accordingly, I had no notice as to the status of my mortgage of Freedoms intentions.
I received this information when my property management team, XXXX XXXX XXXX, forwarded me a notice from XXXX XXXX XXXX ( " XXXX '' ) apparently posted on the door of the property in XXXX XXXX. The noticed stated the property has been foreclosed and XXXX is now the owner. My property was taken by Freedom and conveyed to XXXX all without my knowledge. I have made multiple attempts to contact Freedom but as this date have not been able to resolve any assistance from Freedom or their Attorney team.
I clearly failed to received any notice form the sale of the mortgage to Freedom, notice from Freedom of any alleged delinquency any foreclosure and any sale of my property. I am outside of the are due to my XXXX military status, see attached orders. I have suffered significant damages from this. I am also requesting a copy of all transactions made by Freedom since I was never notified and XXXX had my correct address.
In summary, the opinion that foreclosed my property and selling the property without providing proper notice under these circumstances violated my rights under state and federal law. In attempt to settle this I will accept the following : - return title of met property by deed - reinstatement of the terms of my mortgage agreement - contact any and all credit reporting agencies to which any of your representative may have made a report on this matters and correcting the information provided to those agencies including but not limited tom my property not being foreclosed upon and mortgage account in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-22
NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: My name is XXXX XXXX, i currently have a mortgage with freedom mortgage. I lost my j9b and became 2 months behind, i have been in loss mitigation for over a year, the company just before XXXX told me they had all documents and a decision would be in 30 days, never recieved that decision in writing or by phone. Last week i was notified they were missing documents, i sent them to the company and the week before i sent them other documents that they have requested, this has been going on for a year now, plus on top of that every month they include inspection fees. This month when i went to pay the mortgage i found the customer service rep to be extremely rude, i made my payment however she was very persistant about paying the behind payments, i told her we were working with loss mitigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-20
Smyrna, SC
Trouble during payment process
Mortgage: VA mortgage
Complaint: On XX/XX/XXXX we mailed our payment in to Freedom Mortagage. The company had not posted our payment to our mortgage account by XX/XX/XXXX, so I had contacted the payment processing number for the lender. I was advised that on this date they had not received our payment due to it not showing in the system. I contacted them on XX/XX/XXXX as well with the same response from Freedom Mortgage. Finally on XX/XX/XXXX they had posted our payment to our account, but it had been initialed that it was received as of XX/XX/XXXX. This is not the first issue that we have had with severe delay in processing our payment. We were not charged any late fees, but due to being required to mail the payment in, it caused undue stress to my wife and I during the holiday season because we were worried if we needed to send in another payment or play the wait and see game. If I am seeing the correct information regarding this type of issue is that it is required to be posted the same day or the next business day after it is received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-19
Fred, VA
Struggling to pay mortgage
Mortgage: VA mortgage
Complaint: The problems began more than a year ago when I asked for a loan modification. I could not afford the payments as they stood. The loan modification was completed and granted, however, the payments on the mortgage loan increased causing further delay in making the mortgage. I called the mortgage company once I received the loan modification and was given a contact person to discuss the loan modification. I called and left messages 5 times to no avail, and did not receive a return call. We are now in a short sale situation and again, I am having issues with this company. I have asked on seven separate times, either through email, or personal contact by phone, for a payoff statement amount and a short sale package as we have a buyer for the home. My last contact with them was XX/XX/2019 and XX/XX/19. Both times I was told that I would receive my requested information by the end of the day, and both days I did not receive the requested information. I have read many customer reviews relative to complaints to this company and find their treatment towards me is typical. Last night, XX/XX/2019, I again called the company at XXXX XXXX and asked to speak to the manager. After an extremely long wait I did speak to a manager and was informed that Loss Mitigation needed further documentation from me, however they did not address my numerous requests. They requested that I provide them with a listing of the property and the sales contract, which they did not request after I contacted them 7 times ago. But it appears to me that if I don't provide them with the documentation they have requested, they will not send me the information that I need, sort of blackmailing me. I can not provide them with a copy of the sales agreement until I have the information that I initially requested. I have contacted my realtor and am waiting for a response from them. May of the complaints I have read indicated that the company consistently requests further information in the form of documents, thus slowing down the process, and I feel this is happening to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-17
Plymouth, FL
Trouble during payment process
Mortgage: VA mortgage
Complaint: Freedom Mortgage has applied my extra principal payment to escrow and has not corrected the issue in over 7 months. I made an extra principal payment of {$500.00} on XX/XX/XXXX which posted on XX/XX/XXXX as additional escrow payment. I contacted them ( representative name and I.D . number available ) around the XXXX or XXXX of XXXX upon reviewing XXXX statement, noting the above change. I was told that it would be corrected by XX/XX/XXXX. After reviewing the XXXX statement with no change, I contacted them again on XX/XX/XXXX ( representative name and I.D . number available ) and was told the issue would be corrected by XX/XX/XXXX. I again contacted Freedom Mortgage on or about XX/XX/XXXX requesting that the matter be resolved and to send me transaction history. The payment amount changed on my monthly statement for XX/XX/XXXX and there were no fewer than 16 transactions applying and reversing payments in regards to escrow, monthly principal and interest. The extra principal payment still has not been applied and the matter had not been resolved. I've called twice during XX/XX/XXXX and spoke with representatives trying to resolve this ongoing issue and patiently waited for results. Again, there are about twelve transactions applying and reversing payments without correcting the problem. Additionally, Freedom Mortgage has changed my monthly payment amount without notifying me and used funds applied to extra principal to pay changes in monthly interest without giving me notification. Concerning the loan, I have consistently made monthly {$500.00} extra principal payments since inception. By changing the monthly payment amounts during XX/XX/XXXXit has created a supposed shortage in the escrow account which in turn has changed my current monthly payment twice to a higher amount during XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-14
PA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I called into Freedom Mortgage for the last 2 weeks in hopes of getting a 6 month unemployment f/b due to the fact that I am unemployed. I am actively seeking employment and have a new job offer on the way. I was requesting the mortgage company speak with my girlfriend. I sent in a third party authorization several times. The company told me that it was received. I had my girlfriend call in on XX/XX/19 after speaking to XXXX at ID XXXX he told her he can't speak with her and hung up on her without any explanation. Freedom mortgage please review the call. XXXX was not knowledgeable, did not have basic information nor could he direct us to receive any information. We called back and spoke with XXXX at XXXX. XXXX verified the callers, received authorization from the account holder to speak with my girlfriend and proceeded to transfer us to loss mitigation to request an unemployment forbearance. Upon speaking with loss mitigation we spoke with a rep named XXXX XXXX who was less than helpful. XXXX did not appear to have knowledge on any of the products being offered. She proceeded to offer me a repayment plan in which I could make the full payment plus the arrearage spread out over 3 months. I kept explaining to her that not only could I not make the regular mortgage payment, there's no way I could get on a repayment plan until I am back working. She contradicted herself several times on what assistance could be offered. When I requested to speak with a supervisor she declined and said she would put in a request for an unemployment forbearance and I would have to wait 7 business days to see if I'm approved. In the meantime we have wasted weeks of our time with a servicing shop that is not knowledgeable and can not assist us with the help that we know is available to us. An unemployment forbearance is in place for borrowers who are unemployed. It's a short term assistance offer. At the conclusion of the forbearance the hope is that we may enter into a loan modification to cure the delinquency. At that time the borrower will be gainfully employed and able to make the mortgage payments and stay in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-13
Wakefield, MA
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
2019-01-11
Philadelphia, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/2015 my Mom saw an ad in the newspaper. When I got home she told me about the ad in the newspaper about helping people buy a house or something like that. We decide to check it out so we go to the office. When we got there my mom explained the situation to him about getting a house & not having enough money to afford one etc. Then he said that we can make money from rental properties. He would put these properties in my name. He would find the properties himself, collect the rents from the tenants & pay the bills. He would do all the work. I just give him 2 paystubs and show up at settlement to sign the paperwork. He would give me the money to pay the mortgages every month. Things did not work out so I wanted to sell all the properties but he did not want to. Eventually I came to my boss about this situation and the guy who I was dealing with. My boss found out that this guy was an x-criminal. He was obtaining mortgages fraudulently using inncent victims. Operating Schemes. I believe in this situation he is doing the same thing. The companies involved are - Freedom Mortgage Loan numbers are XXXX & XXXX, XXXX XXXX Loan # XXXX, XXXX ( XXXX XXXX XXXX & XXXX. ) Loan # XXXX & XXXX XXXX XXXX XXXX Account # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-11
OK
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: I need a loan modification release from XXXX XXXX from XX/XX/2001. XXXX has since gone bankrupt and Freedom Mortgage has taken over their company. This loan was in my previous married name and my ex husbands name- XXXX XXXX & XXXX XXXX XXXX . I have contacted Freedom Mortgage twice now and they will not help me with this issue so I can trade in my current home for a new one and complete all the closing documentation. The title company has also contacted them for this without resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-11
Bohemia, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My complaint is how an insurance claim is not being handled in a professional or perhaps ethical way. I filed a claim in XXXX for a broken pipe, the insurance company sent a 3rd party adjuster and a check made out to me and Freedom Mortgage for {$10000.00} ( copy of check attached ) the ins comp said to mail the check to Freedom who will endorse the check and return to me. I followed up with Freedom who said they would not release the check to me, until I sent them several documents. 1 ) Adjuster Claim, 2 ) Contractor signed estimate signed by me and contractor 3 ) signed contractor paid receipt for Monies already paid to the tune of {$6000.00}, 4 ) Signed Lien or mechanics lien 5 ) XXXX for contractor 6 ) letter requesting reimbursement of funds 7 ) copy of contractors License. After several days of follow-up they claimed they didn't receive the documents I sent them all again in one shot. I have attached all the documents listed above to this complaint so you can review also. They also said they would only send me 25 % of the {$10000.00}. The insurance company were insisting I do work on the house before anymore damage was done, I couldn't wait for Freedom to send the check, so I used my mortgage money payment to pay the contractor to do some of the initial clean up and preparation, and as a deposit. ( attached receipt ) I told them, if they are concerned, because now I am in default, they can keep {$5300.00} and send me the difference, that would cover 2 months mortgage payments, they refused ( all documented attached ) I need help getting my money, I am falling behind on my mortgage payments and I think they are doing this on purpose to force me into foreclosure. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-10
Hamburg, MN
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-10
Foothill Ranch, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I have submit the CFPB complaint XXXX-XXXX to request the evidence.
However, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation said " We have reviewed your complaint and researched the issue regarding your request for documentation. Since you are in litigation with a third party, we would need a subpoena from you before we can release the requested information ''.
So I filed a subpoena and use process server to served.
However, till now neither the court clerk nor I received the documents.
Thanks a lot XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-09
Northside, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Freedom Mortgage consistently mis-applies my monthly payments to the incorrect accounts. In this most recent example, an additional principal payment of {$3000.00} was applied to my escrow account. They really are a very poor mortgage servicer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-09
MI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: After falling for a loan modification scam and paying a company called XXXX XXXX, we have been working with a HUD housing counselor to try to prevent our foreclosure and get back on track with our mortgage. We have been trying to submit a loss mitigation packet with Freedom Mortgage and have been getting the run around. We submitted an application and documents on XX/XX/XXXX. When our counselor followed up on XX/XX/XXXX, she was given a list of additional documetns and was told by Freedom Mortgage that we did not sign the financial report, a form designed by Freedom Mortgage which does not have a borrower signature line or page. When our counselor called back, the representative from Freedom Mortgage told our counselor that there is not a signature page and that we should sign the bottom of every page of the application. We submitted all of the additional documents on XX/XX/XXXX. When our counselor followed up again, she was given a different list of requested documents. They are now requesting new paystubs, which they did not request on XX/XX/XXXX, even though they had it noted in their system at that time. They also now would like a signed financial report and stated that they accidentally mislabeled the signature line as the contributor signature and that we should have known somehow to sign that even though we are both borrowers and not contributors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-09
Collingdale, PA
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