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 26
2018-11-13
Baltimore, MD
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
2018-11-12
Rockwell, NC
Trouble during payment process
Mortgage: FHA mortgage
Complaint: In XX/XX/XXXX and XX/XX/XXXX Freedom Mortgage lost my mailed in payment and filed derogatory reports to the credit bureaus. Though I immediately responded to them when they called stating my account was late with the check numbers, tracking numbers ( proving delivery of payment ) and amount of payment, EACH TIME they would not accept this information to begin to research the lost payment. EACH TIME they REQUIRED me to provide the front and back copies of the payment before they began to research. EACH TIME they provided the credit bureaus with derogatory reports about my payment history. EACH TIME their collection agents erroneously called me multiple times a week. This is highly unprofessional on Freedom Mortgage 's behalf to misplace payments and falsely state to credit bureaus that customers are late on mortgage when in fact their employees are negligent in their processing of payments. When Freedom Mortgage recognized the error, they should have IMMEDIATELY submitted corrections to my credit report rather than wait for me to continuously follow up with them regarding this error. In an age where EVERYTHING is maintained online, it is hard for me to believe that Freedom Mortgage is unable to search check numbers and access how the money was applied on their end. Freedom Mortgage should IMMEDIATELY change their procedures for the applications of mailed in payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-12
Neotsu, OR
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I made my first payment on our new mortgage with Freedom Mortgage - I wanted to setup recurring semi-monthly payments ( offered on their website - mobile and desktop version ). So, I had to make another payment to be ahead enough for payments to work. So on XX/XX/XXXX I made another and have been trying ever since to setup recurring payments that will be draw on the XXXX and XXXX of every month beginning on XX/XX/XXXX.
Every time that I've tried to set this up I've gotten an error message that says " Were not able to access your loan information at this time '' on their website and nobody at the customer service help line seems to know what the issue is. First I was told it was simply because I was trying to do this on my phone, through their mobile-friendly website. Then, when I borrowed a laptop I was told it was because I was using XXXX XXXX - listed as an approved internet browser on their website.
Next I was told that there may be an issue with my account but I'd need to fill out a form to have it looked into. I've done everything that I was told I needed to do to make this mortgage payment process simple and seamless with automatic, split semi-monthly payments but nobody at Freedom seems to know what is going on or how to fix it.
Most of the customer service representatives have sounded very nice but are so scripted in what to say that once the conversation doesn't go where their script says they become nervous and uneasy about what to say. I'm worried that my complaints don't seem to go where they need to go with this Servicer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-12
Bueche, LA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I sold my home on XX/XX/18. Settlement for the mortgage in full was WIRED to Freedom Mortgage the same day and online it does show that the principal balance is XXXX. I have called an confirmed that there are no further payments on the loan needed. I have also confirmed that they have in escrow {$3300.00}. I have receipts that the property taxes for 2018 were paid through the title company in full in the amount of {$2200.00} ( an escrowed item ) and that obviously the insurance company will not need to be paid as the house was sold. So I am owed the full amount in escrow of {$3300.00}. I have been told that t hey will not pay me interest for the time they have held my funds. As of today,XXXX, they have not refunded me my money from escrow. I feel that because this payoff obviously was paid via wire ( the money is not in dispute ) and that all other items have been paid that my money should be released immediately or I should receive interest for the time they have my money. It is wrong for them to hold my money for no reason. I don't care if that is " their policy ''. Policy does not mean it is the right thing to do. They are making money on those funds every day and I am being denied access to my money. I can see a delay for up to 72 hours for processing but anything after that should not be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-12
UT
Struggling to pay mortgage
Mortgage: VA mortgage
Complaint: My VA home loan has been in a loss mitigation for 2 years. The company, Freedom Mortgage, was still waiting for my previous loan company ( XXXX XXXX ) to forward the mitigation packet I had begun with them, for 2 months before my suggestion of me resending the packet to them was accepted. After delinquent amounts rose to high levels I could never repay and my VA approved counselor began pushing on her side, a mitigation was approved, my acceptance sent back and loan papers sent out to be returned within 5 days - I received a letter 7 days later saying mitigation denied for lack of papers being returned, maybe I could re-apply!
My VA approved counselor pushed back and found XXXX had left a package on my porch, no signature required and still hve n't found! Another packet sent out, but legal property described therein was for an address in another state! A month and a half later ( with more pushing from my counselor ), a corrected packet was sent but letter received mitigation denied, paperwork never returned - maybe you can apply again!! XXXX had dropped on porch, no signature required and package never found! A new package sent, signed and returned.
2 months previous, our insurance dropped our home insurance because Freedom told them it was in foreclosure and they couldn't reinsure without approval from Freedom and issued a closeout check. Freedom told me insurance would be figured on new financing and refund was between insurance and me. Insurance said they couldn't take it back because Feedom had closed it!
So after packet sent in, we received a letter notifying of escrow shortage ( amount of refund sent back! ) and notice of higher expected payments due! As of todays date, still haven't received final loan docs but told that first payment due last week ( a week after final docs sent in! ) was {$170.00} more than our original house payment that we were stuggling to make!!!
So after 2 years, it appears that my only recourse is to let them have the house - i'm to the point employment-wise that the original payment amount would be do-able, but their efforts did nothing but cement a bad deal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-10
Oxford, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Up until XX/XX/2018, I have always paid extra money for my monthly mortgage payment. The extra money would be credited towards principle reduction. In XX/XX/XXXX they made a change to this. They credited my extra payment towards the following months principle and interest. I called them to rectify and asked them not to use extra funds towards the next months payment instead use it to reduce my principal.
They did the same for XX/XX/XXXX and XX/XX/XXXX where my extra funds were used towards the following months payments and not towards principle reduction.
the Company is Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-09
Bayview, GA
Trouble during payment process
Mortgage: VA mortgage
Complaint: On XX/XX/XXXX we closed on a refinance of our primary residence located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The outstanding loan amount was about {$89000.00}. We always paid our mortgage on time, never was late. In XX/XX/XXXX/XX/XX/XXXX our home was destroyed by fire. Our insurance company XXXX, cut us a check to payoff the mortgage and to begin to rebuild our home. The check amount was {$260000.00}. We ( my spouse and I ) had to endorse the check on the back and send it to the mortgage company to pay off the balance. In turn the mortgage company, Freedom Mortgage, sent to us the difference of the mortgage owed to them. The remaining amount is being used by us to begin rebuilding our home. The amount sent to us was {$170000.00}. However since XX/XX/XXXX, we are receiving calls from the mortgage company stating that our mortgage is due and we owe them a payment. The latest representative has called us and threatened to begin the foreclosure process. The loan should have been paid off with a balance of XXXX. When talking to the representatives, they state that the records show we owe over {$80000.00}. That is not possible, because we received a check for the difference of what we owed on the loan. I have attached a copy of the check showing it had cleared the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-09
ME
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I keep getting calls from my mortgage holder Freedom Mortgage. They call my phone as well as my wifes phone several times a day. And sometimes Im Sunday.
I want them to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-08
San Tan Valley, AZ
Applying for a mortgage or refinancing an existing 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
2018-11-08
Scottsdale, AZ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: For loan number # XXXX, I am requesting assistance with issues arising from my mortgage company. Issues began, XX/XX/2018, a payment option was offered to make bi-monthly payments to split my mortgage in half to assist to my financial situation at the time. As such, my mortgage payment was split from {$1600.00} to {$820.00} bi-monthly on the XX/XX/XXXX and XX/XX/XXXX, as agreed with the agent and my pay check schedule. However, in XX/XX/2018, a payment of {$3200.00} was paid in full to start the process of bi-monthly payments. Unfortunately, when XX/XX/XXXX came around my bank account and mortgage account numbers don't match and are different from what you have on file. At this time, I am requesting that someone please assist me with this issue.
As of XX/XX/2018, I contacted Freedom Mortgage for assistance but this has been to no avail.
I am in foreclosure and in default at this time and concerned that I will become homeless because funds have been inappropriately applied and I have received no assistance from the mortgage company to help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-07
PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On Friday, XX/XX/2018 at XXXX, I received a call from my mortgage company Freedom Mortgage . The rep explained that there was an alleged shortage in my escrow and that they were planning on increasing my monthly payment by nearly {$100.00} each month. They had done this very same thing last year though nothing whatsoever had increased, including my taxes. This year, I changed my homeowner 's insurance company which increased my total insurance charge by {$200.00} for the entire year. Having researched this on Saturday, XX/XX/2018, I called Freedom Mortgage back and explained that there was no justification to increase my mortgage by {$1200.00} annually for a simple {$200.00} homeowner 's insurance increase. I further explained that I would be comfortable with them raising it by {$17.00}, which is {$200.00} divided by 12 months ( the {$88.00} visible on the attachment was a one time charge for a different insurance company that I quickly dropped and that {$88.00} should not play any part in the annual increase calculation ). Their response was that they want to implement a buffer, which I declined when I originally opened the mortgage. When I asked the rep if my original choice to opt out of a buffer should stay in place for the life of the loan, he gave a non-answer and said " technically yes but no. '' He went on to say that Freedom Mortgage had miscalculated the escrow and they had paid out more in previous years as a result. Since my mortgage is 5 years old, I explained that they should have caught their error years earlier and that it is not fair to penalize me for their bad math. It was their mistake, not mine and I should not be obligated to correct their error which lasted several years until they finally caught it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-06
Pompano Beach, FL
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-06
Hudson, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Hello, Freedom Mortgage has made this process diffcult to say the least. I have been working on a loan modification for the last 12 months and yet to receive a decision. I have worked with my housing counselor to get all the required documents to the lender yet they still say they need more up to date documents. I submitted my bank statements that were generated by my bank for the last two months. Freedom said they could not take the bank statements because it wasn't a full month meaning showing 1st day of the month through the 30th day of the month. My statements run from the 15th through the month through the next month. We were told that it was a FHA requirement which it isn't. Any document I submit, there is always a problem. They have made my family 's life a living hell the last 12 months XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-06
Copper Center, AK
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My property taxes were not paid and I received a tax delinquency notice from the Municipality of XXXX which assessed additional penalties and fees. I contacted my mortgage company who paid the taxes in full on XX/XX/2018 in the total amount due for the year {$1800.00}. I requested an escrow statement and received the same. I noticed that on XX/XX/2018 a tax payment of {$1200.00} was deducted from my escrow account. I spoke to my mortgage company who stated that the payment was made to Municipality of XXXX. I contacted the Municipality who stated they did not receive the payment and have no record of the check. I requested that Freedom Mortgage, my mortgage company send me a copy of the check to take to the Municipality so they can research. I was told a copy of the check would be sent to me via email by XX/XX/2018 and I also requested a copy be mailed to me. I have not received either as of today and when I contact my mortgage company, they keep stating that the check was sent to the Municipality of XXXX, but will not provide a copy. {$1200.00} is missing from my escrow account and my mortgage company will not give me a copy of the check or an explanation of where the money was sent. As of XX/XX/2018 I received a notice from Freedom Mortgage that I have an 'escrow ' shortage and they increased my payment by {$46.00} monthly to make up the shortage. I should not have an escrow shortage and want the {$1200.00} put back in my escrow account or returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-05
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
2018-11-05
Bueche, LA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Multiple Complaints:1 ) payment information is misleading to the consumer - Loan is paid in full and automated phone system and online system still shows a payment due on XX/XX/XXXX. 2 ) The fees charged for payoff letters are excessive. {$30.00} is ridiculous and was charged for them multiple times in a 30 day period. 3 ) Escrow and details of loan and payments need to be easy to see online, NOT JUST WITH PAPER STATEMENTS. 4 ) last but to me the most important is an issue with them reporting a 30 day late when I did make a payment online before the 30 days - there was a technical problem with it going through and I wasn't notified in time to fix it before the 30 day mark and they won't fix it on the credit reports. I have NEVER had a 30 day late on my mortgage since inception and they can see that. The property was under contract waiting for closing so I was making payments after the due date but paying the late fees accordingly. I also paid AS SOON AS I KNEW about the problem - I called and submitted written requests for them to correct but was denied multiple times. I think this is wrong. This error dropped my credit score over 250 points overnight. This loan was with XXXX and I never had an issue until it was sold to Freedom Mortgage in 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
2018-11-05
Newnan, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I have been attempting to modify my mortgage for over a year. Freedom mortgage was unwilling to assist me. I reached out to a third party, XXXX, and opened a case with them. For over a month we have been working to modify my mortgage. I started to receive notices from multiple attorney 's offices stating that my home was going to be foreclosed on. I reached out to XXXX for guidance and they stated that my home was up for sale on XX/XX/XXXX, and that Freedom Mortgage was reviewing my case and paperwork. A few weeks ago I started receiving mailings about a XX/XX/XXXX Auction with XXXX County Court. I reached out to XXXX again, they stated after speaking with Freedom Mortgage that they were still reviewing my case and the sale date was still XX/XX/XXXX. I still, at this point had no correspondence from Freedom Mortgage. I reached out to a Bankruptcy attorney to clarify my status and they confirmed the XX/XX/XXXX auction. Had I not filed Bankruptcy THIS AFTERNOON, I would have lost my home. The sale date that Freedom Mortgage was giving, was a week later than the actual sale.
Freedom Mortgage Loan No. XXXX XXXX XXXX ID XXXX Case Manager XXXX XXXX ph.XXXX xXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-02
Redmond, WA
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
2018-11-01
Knoxville, TN
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Freedom Mortgage has a very, very dated website that is extremely glitchy and won't process payments half the time. I paid my bill online, but it did not go through. I was not aware of this. Freedom did not place one single phone call to me to advise me that they never received payment. They called my husband ( co-borrower ) once, but it was to offer a refinance, NOT to advise him that the payment was late. They have marked mine and my husband 's credit ( which has tanked our scores ), and they will not budge and offer a goodwill adjustment. I have sent them the following documentation : 1. Screenshot of my online browsing history showing I was logged into their system, paying or attempting to pay the bill, before the due date.
2. Screenshot of my checking account balance of the day I was online, with more than the amount available in the account ( which was there, and supposed to go to them ).
3. A copy of my exceptional credit rating, showing that late payments simply do not happen with me.
We have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. We emailed all of the executives, including the CEO. The VP of customer service even admitted, in writing, that their IT department found that the system was down while I was online, yet claims they can't amend the 30 day late mark on our credit as it is illegal. IT IS NOT MY PROBLEM THEY HAVE AN UNRELIABLE AND GLITCHY WEBSITE. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) website outlining the same problems I'm having. I have paid my bill on time, every month like clockwork, and they refuse to give me the benefit of the doubt. My loan is all paid up and current, and all we are getting from them is " we can't do that '' regarding a goodwill adjustment. They seriously have the worst website interface I have ever dealt with, and payments do not go through. The fact that they DID NOT CALL ME ONE SINGLE TIME to try to rectify the situation, yet they mark my credit. I have proof this was a big misunderstanding, yet they will not budge. This is very unfair business practice. My credit score has tanked from over 800 to barely 700. It's not my fault they have a terrible, glitchy, unreliable website interface ( that many others have complained about ), and it is beyond incompetent that NOT ONE SINGLE PHONE CALL was made to me to let me know they never received payment. Instead they just wait and then ruin our credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-01
Leeton, UT
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: Below is the letter I sent to Freedom Mortgage to dispute a 30-60 day late they reported to my credit report. When I initially called them about this issue, I was told by one of their representatives that if I sent this letter along with the supporting documentation from my bank, that they would gladly remove the 30-60 day late from my credit report. I have the audio recording of their rep saying this because I record all of my calls.
That same day I faxed over this letter with the supporting documentation from my bank to begin a formal dispute with Freedom Mortgage. Freedom Mortgage told me they would have an answer regarding my dispute by XX/XX/XXXX. I contacted them today, XX/XX/XXXX to follow up on the dispute and was told that after reviewing my dispute, they are unable to remove the late payment from my credit report.
I asked the Freedom Mortgage rep I spoke with today for some clarification as to why it was denied. After speaking with her supervisor, she told me that it appears that whoever reviewed my dispute went by the date the check cleared, not by the date the check was actually received. Per the documentation that I provided Freedom Mortgage from my bank, the check was received on XX/XX/XXXX and cleared on XX/XX/XXXX. According to both Freedom Mortgage reps I spoke to, the date a check is received and stamped at their XXXX XXXX is the date they consider it received -- not the date it clears. With that said, my check arrived before the end of the month and shouldn't have been considered late.
Below is the dispute letter I faxed to Freedom Mortgage : XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Dear Freedom Mortgage : This letter is to dispute a recent 30-60 late payment reported to the credit bureaus for our XX/XX/XXXX mortgage payment. The reported late payment has not only negatively affected my credit, but my wifes as welldropping our scores by as much as 82 pts overnight.
As you can see from my payment history with Freedom Mortgage, I have always made our mortgage payment before the end of the monthtypically around the XXXX or XXXX of the month. While I understand the payment is due on the XXXX of the month, this is the best we can do at the current time. Nonetheless, I have always made our payment before the end of the month and will always make our payment before the end of the month. In fact, Im hopeful that after receiving our upcoming XX/XX/XXXX tax return, I will be able to begin making our payments on the XXXX of the month.
For our XX/XX/XXXX mortgage payment, I opted to use XXXX XXXX bill payit was the first time I made our mortgage payment using this method. I decided to use this method to avoid the {$10.00} processing fee Freedom Mortgage charges to pay by phone. On XX/XX/XXXX I filled out the online bill pay form on XXXX XXXX website, it stated that the check would be mailed out by XX/XX/XXXX and would be delivered by XX/XX/XXXX. Assured that it would be there on-time, I decided to proceed with the bill pay method. On XX/XX/XXXX I received an email confirmation from XXXX XXXX that the check had been sent that day and would arrive by XX/XX/XXXX. Ive included a copy of the confirmation email with this fax that clearly shows the sent date and estimated delivery date.
Fast forward to Sunday evening, XX/XX/XXXX. I received a credit alert via email stating that a 30-60 day late mortgage payment had been added to my credit reportdropping my score 82 pts. I figured it had to be a mistake because I knew that I had initiated the bill pay in sufficient time to arrive before the end of the month. I immediately contacted XXXX XXXX to confirm the bill pay information. XXXX XXXX confirmed that a check in the amount of {$1200.00} was sent on XX/XX/XXXX to Freedom Mortgage and was delivered on Friday XX/XX/XXXX and cleared on XX/XX/XXXX.
I contacted Freedom Mortgage regarding this issue on Monday XX/XX/XXXX to get information, specifically regarding the date Freedom Mortgage uses to determine a payment received by mail. The representative I spoke to stated that they use the date the check was delivered to the lock box, not the date the check was processed and cleared. I explained to the representative that according to XXXX XXXX and the bill pay proof of payment, the check was delivered on XX/XX/XXXXalthough cutting it close, it was still delivered before the end of the month. The Freedom Mortgage representative said that according to his records, it was delivered on XX/XX/XXXX. Again, I told him that I had a proof of payment from XXXX XXXX with the delivery date stating it was delivered on XX/XX/XXXX. I even contacted USPS to see how long it would have taken to arrive and they said with 100 % certainty that it would have been delivered no later than the XXXX.
I asked the Freedom Mortgage representative what could be done at this point because I felt like I had done my due diligence to ensure that our mortgage payment was delivered before the end of the monthwhich it was according to the proof of payment. I was told to write this letter explaining the situation and to include the email confirmation, and proof of payment from my bank. Ive included both with this fax.
I beg you to please work with me on this. I have been desperately trying to improve our credit scores over the past year. Again, I have made every effort to make our payment before the end of the month and have done so ever since our mortgage was transferred to Freedom Mortgage. I cant afford to have our credit scores drop this drastically. More importantly, I cant afford to have another late mortgage payment added to our report. With the information and proof I have provided you, I hope that you will be willing to work with us and remove the recent 30-60 day late mark from our credit reports. Again, Im hopeful that in the near future well be able to make our payment on the XXXX of the month. Unfortunately, the XXXX is the best we can do at the moment, but we have never paid our mortgage payment beyond the end of the month with you guys. Please show some compassion and help us. Moving forward I will continue to pay by phone to ensure my payment is processed on time.
I would ask that someone please contact me regarding this matter after this fax is received.
Sincerely, XXXX XXXX XXXX XXXX Loan # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-27
Desoto, TX
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
2018-10-27
Biltmore Lake, NC
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I fell behind on my mortgage after losing my job because of my sons XXXX. I tried in XXXX, XXXX, and XXXX to get a modification however Freedom Mortgage has denied this request after providing proof on my income. They have told lies about the process and even sent a letter stating the sale was postponed but then filed nothing with the court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-26
Copiague, NY
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
2018-10-26
Memphis, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-25
San Diego, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XX/XX/XXXX, I purchased the home located at address listed above. The mortgage lender was XXXX XXXX XXXX XXXX ( XXXX ). The home is a condominium. Every year, XXXX has accepted my certificate of unit owners insurance through XXXX XXXX.
XX/XX/XXXX, my mortgage loan was transferred from XXXX to Freedom Mortgage ( FM ).
XX/XX/XXXX, FM requested me to provide proof of Unit Owners insurance. I provided my current certificate of insurance with the same policy terms as the one I have held since XX/XX/XXXX. The coverage period was for the period of XX/XX/XXXX to XX/XX/XXXX. FM accepted my certificate.
Since then, FM has bombarded me with phone calls, voice messages, and mail about refinancing my loan. I declined all of their offers.
XX/XX/XXXX, FM again requested me to provide proof of Unit Owners insurance. I furnished the current certificate of insurance covering the period of XX/XX/XXXX to XX/XX/XXXX.
XX/XX/XXXX, FM sends me a second and final notice, stating that I need to provide Unit Owners insurance or they will be purchasing " force-placed '' insurance at a cost of {$700.00}.
XX/XX/XXXX, I called FM 's Insurance Center in XXXX, South Carolina. I was told by a customer service rep ( CSR ) named " XXXX '' that my certificate of insurance was received and was not acceptable. " XXXX '' could not state why this policy, with the very same terms as the one that FM had accepted in XX/XX/XXXX, was now unacceptable.
XX/XX/XXXX, I purchased additional Unit Owners Insurance through XXXX XXXX and my insurance agent faxed the certificate to FM. I also called FM the same day and requested them to stop all of their offers of refinance to me, especially as their offers named me as a veteran when I was not.
XX/XX/XXXX, I called FM to verify that my policy was received and accepted. I spoke to a CSR named " XXXX '' and she told me the policy was received, and I would not have to pay for any additional " Force-Placed '' coverage through FM.
XX/XX/XXXX, FM sent me another letter. FM claims that since there as a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, they would be purchasing additional Force-Placed insurance for me for that period, for the cost of {$99.00}.
XX/XX/XXXX, I spoke to a FM CSR named " XXXX ''. I questioned why both of my XXXX and XXXX XXXX policies were not sufficient for FM. I questioned why FM deemed my XXXX insurance policy acceptable in XX/XX/XXXX but unacceptable in XX/XX/XXXX, when the policy terms had not changed. XXXX claims that " someone from your HOA or insurance company '' informed FM that the policy covered HO6 back in XXXX. She could not provide any record of who exactly FM had spoken to at my HOA or the insurance company. " XXXX '' told me that I would have 45 days from XX/XX/XXXX to provide proof of coverage from XX/XX/XXXX to XX/XX/XXXX, otherwise FM will require me to pay {$99.00} for coverage with XXXX XXXX XXXX XXXX ( XXXX ), a subsidiary of XXXX XXXX, a large insurance corporation who has worked with mortgage lenders to engage in fraudulent Force-Placed insurance kick-back schemes.
I believe FM is engaging in fraudulent and predatory practices, in collusion with XXXX and XXXX XXXX to con homeowners into purchasing insurance coverage they do not need. FM bills itself as a premier mortgage lending company for veterans. They prey on the men and women who serve our country.
I believe FM is using these tactics to retaliate against me because I declined all of their offers of refinance, and because I reprimanded them for not removing me from their veterans contact list. I currently suffer from major XXXX and XXXX XXXX, and my experience with FM has led me to experience great hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation