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 56
2017-08-14
IN
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: To whom it may concern : I have been having extreme difficulty with Freedom Mortgage. Their address is as follows : XXXX. XXXX XXXX XXXX, TX XXXX. In an attempt to pay my XXXX payment, I accidentally made two payments. ( My bank has a gap of a few days between then an on-line payment is made and when they write a check. During this time, no pending payment is available to be seen on our account. ) When I realized this, I called Freedom for assistance. I spoke at this time to a very pleasant lady. She said that the payment would be applied to the XXXX 's bill. She began to look at our records, and found {$600.00} of ours that they had. I asked her at that time to put it on our principle. She told be she could n't do that. I asked her to refund the money because it does n't seem right that a company could just hold money of ours. She said she could n't do that either. She advised me at that time to call back prior to making XXXX 's payment to check with them. I was to call to have them to tell me what was owed so that they could make up the difference of a whole payment and our funds would be applied as a whole payment. I did as I was instructed. I was told to pay {$120.00}. This money came out of our account on XXXX XXXX. A few days later, I started receiving calls and letters from Freedom stating that I was behind on our payments I called back. I asked to talk to a supervisor. Eventually, I was allowed to talk to XXXX XXXX. He seemed helpful at the time. He told me that the bank had moved money inappropriately. He did say that there was a question of {$31.00} and some change. He told me that the person I had spoke to may have miscalculated. He then told me he would look into the account, and he would get back to me. He never called back, and he has since been " unavailable to take my calls '' but I can leave more phone messages. He indicated that there had been an escrow shortage. I was aware of this and had sent a separate check covering the full amount of 50-60 dollars ( I am not sure of the exact amount ) to them. Only part of the money was put to where it should have gone. He would put a ticket in to fix it. I was under the assumption that this matter had gone away. I then was called during dinner with my children by a different individual stating we were over 1400 behind because I owed the previous money and next months mortgage. On XXXX XXXX, I again called Freedom and requested to talk to XXXX XXXX. He was unable to speak with me. I did speak to XXXX ID number XXXX. She told me that there was a {$31.00} shortage and we would have to pay a late fee since it was past the XXXX of the month. I was extremely irritated, but wanted this to go away. I asked her how to take a payment and resolve it that day so I was not harassed any further by the phone calls. She said they only was to settle that on that day was to take a phone payment, but she would have to charge a {$15.00} fee to do this. I gave her permission. She took {$75.00} out of chase account on XXXX XXXX. Our mortgage payment was taken out of our account on XXXX. She said since it was mailed and they had n't received it by the XXXX we would have to pay a late fee. I questioned her at the time. She assured me everything would be taken care of if I just payed the fee. I received a confirmation number from her XXXX. ( I am enclosing a copy of the document I was sent from them at the end of this letter. I have since gotten a letter on XXXX XXXX stating that we owe {$1400.00} which is XXXX payment ( which was also made and XXXX 's payment ) We then went to talk to our bank to refinance the loan in an attempt to get away from this company. We learned at that time that when loans are bought from the original mortgage company the buyer has to honor the original terms. We were being charged late fees if the payment was received after the XXXX and not the XXXX as our original terms indicated. We were also told at this time that there was no way to ensure that Freedom did n't just buy our loan back from a new mortgage company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-14
Neotsu, OR
Trouble during payment process
Mortgage: VA mortgage
Complaint: From XX/XX/XXXX to XX/XX/XXXX I i made my mortgage payment of {$1100.00} principal interest and insurance and taxes to freedom mortgage. Beginning XX/XX/XXXX to XX/XX/XXXX they accepted my payments as partial payments then would not apply it to my account. When I asked why I had a late fee they told me they did n't accept partial payments. What happened was my escrow account had increased due to increased taxes of which I did n't realize that had happened. I feel that is wrong not to accept my payment then not return it and still charge me a late fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-14
OK
Trouble during payment process
Mortgage: VA mortgage
Complaint: On XX/XX/XXXX I called Freedom mortgage & asked for a pay off amount. They sent me an email for the wrong acct & name. XX/XX/XXXX I called again told them the wrong info was sent. Since I did n't want to get a late charge, I went ahead & made a payment for XX/XX/XXXX for {$510.00}. {$15.00}. was for a draft fee. A XX/XX/XXXX payment was applied for {$180.00} the rest of the money should of been applied to the principal. For some strange reason they applied it to the escrow acct for XX/XX/XXXX & XX/XX/XXXX. XX/XX/XXXX I once again asked for a payoff amount. The wrong amount was sent. 2nd phone call XX/XX/XXXX, I told them the amount was wrong, they put in a request to take the escrow payments for XX/XX/XXXX & XX/XX/XXXX. put against the principal. On XX/XX/XXXX I once again asked for the payoff. Once again I got the wrong amount. XX/XX/XXXX tried to get the payoff, still was n't correct. The lady I talked to put in another request to correct the XX/XX/XXXX payment. XX/XX/XXXX I called to see if they had corrected it. I was told the cash section said it was applied correct. The man I talked to said he could put in the request again. But they would n't put XX/XX/XXXX escrow back because then I would have to pay a late fee. He did n't know who to send a complaint to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-12
Lake Of The Woods, VA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Complaint: I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-11
Neotsu, OR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Freedom Mortgage has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. Freedom Mortgage has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-11
Menifee, CA
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
2017-08-11
Main Office, VA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Complaint: My name is XXXX XXXX, I am a retireted XXXX XXXX XXXX veteran that thie country 24 years. I have owned my home about 7 and half years and i have dealt with many banks before this one. An I never had any problem paying my motgage payment on time until now. i have just re-finance home 6 months ago. At first dealing wit freedom mortgage i requested to direct -deposit they said no ; in which i thought it was odd not to do this because i thought every bank want their right -o-way but they did not want to. So. freedom mortgagae {$15.00} plus the {$1500.00} I KNEWW they were crooked my thoughts this bank is about taking consumers money. NOT HELPING or providing any care but to steal, take foreclose your house.I tiry using the computer and I USED THE computer every time I LOG IN the computer would asked a pass word and then it would not allow me in so the system was not computer friendly.XX/XX/XXXX I sent my payment on this day by mail. Freedom Mortgage did cash my payment until XX/XX/XXXX. Now, I expected the to there XX/XX/XXXX. and it should have, because it does not take 3weeks to cash a check. Something is wrong, I beleive they trying sabotgae my by forecloseure and discredit me and dissrtess me This is worst bank in the world. and i like deal with another bank,.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-10
Atascocita, TX
Struggling to pay mortgage
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
2017-08-10
Bethany, OH
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
2017-08-10
Atascocita, TX
Struggling to pay mortgage
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
2017-08-09
Aurora, UT
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: My mortgage provider, Freedom Mortgage, refuses to remove PMI on my primary residence. I purchased the property XX/XX/XXXX and put 5 % down. The appraised value of the property at that time was {$200000.00}. Mortgage is a conventional 15 year loan. I reached 80 % LTV of the original appraised value of the property XX/XX/XXXX. I submitted a written request for removal of PMI. I was told that my written request was denied because it had not been 2 years since the loan origination date and that it would be dropped after my XX/XX/XXXX mortgage payment. After my 2 year origination date had past, the company still refused to remove the PMI. My XX/XX/XXXX payment brought the LTV to 77 % of the original value. Freedom mortgage now says they wo n't remove the PMI till the LTV is below 75 %. They also state my PMI written removal request will not be accepted. I have submitted a second written requested PMI removal letter and still the mortgage provider will not drop the PMI. I am current on all payments, and have no other liens on the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-09
Bham, MI
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
2017-08-08
Long Beach, MS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/XXXX I submitted a complaint against Freedom Mortgage and it appears they do not understand not only contract law but the simple fact that a Federal Law supersedes any of their " rules ''. Since XX/XX/XXXX I have been dealing with these guys so lets talk legal terms. 1 : In your last response you spoke of a " Contract '' that is between Freedom and Myself. In basic contact law one must have a contract, review the contract and approve the contract to be held accountable for said contract. Freedom purchased my home loan and I have never seen, or agreed to any terms with a contract that was never delivered to me. IAW If an agreement is not signed, the terms of it are generally not binding. Binding means that the parties are legally obliged to carry out their obligations/duties in the contract. Not only did I never agree to your terms ; I have never seen your so called contract. Most contracts must contain two elements to be legally valid : All parties must be in agreement. Something of value must be exchanged -- such as cash, services, or goods -- for something else of value. 2 : In XX/XX/XXXX Freedom was found guilty and paid a {$2000.00} dollar fine to the State of Mass and was also found guilty of Federal laws which is exactly what Freedom is doing currently. Freedom is currently in violation of the Mortgage Relief Act of XX/XX/XXXX which states if a borrower submitted a payment that covers the Escrow, Principle, and Interest the mortgage MUST process this as a full payment and later will receive the late payment from the borrower. Federal law trumps any rules that Freedom might have in a contract I have never seen or agreed too. 3 : So going forward in may I owed only XXXX and moving forward I am only owe Freedom a back payment of XXXX in late fees. Even in your own response you admit to not following Federal Law. So I am no longer playing this has gone too long. You will apply those payments as required by law or I will be forced to take this further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-08
Spencer, MA
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
2017-08-07
Lowell, 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
2017-08-07
Madison, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-07
Menifee, CA
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
2017-08-03
Chicago, IL
Trouble during payment process
Mortgage: VA mortgage
Complaint: The company did not pay property taxes, although we have an escrow account to make sure taxes are paid and paid on time. We we contacted them they paid some of it, but still left money to be pain which we ended up paying out of pocket. We have had several phone calls regarding this issue and it is still not resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-03
Fort Myers, FL
Struggling to pay mortgage
Mortgage: VA mortgage
Complaint: My name is XXXX XXXX XXXX. I became XXXX XXXX in XXXX 2015. I am a XXXX and could no longer work on my feet. I took a XXXX job from home and a {$100000.00} cut in pay. I notified Freedom Mortgage and asked them if I could to a deed in lieu of foreclosure. They did not even suggest any way to help me. They just kept asking for paperwork to prove I was not making the income as before. They told me there was a lien on the property, we called about it and could not locate one. Based on the untruth that there was a lien, they denied the deed in lieu of foreclosure. They went ahead and foreclosed. The thing is, that property sat there vacant for over a YEAR. By the time the auction went through, the house was worth MORE than they sold it for! They are not there to help the veterans at all. If they would have worked with me, I could have sold that house for MORE than what was due. Now, they are sending ME bills, with added late fees every month, for attorney fees ( which they could have avoided ). I am requesting this be made right by taking the foreclosure off my credit report. Once all the information comes to light, you will see that this request is fair and reasonable. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-01
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
2017-07-31
Hghlnds Ranch, CO
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
2017-07-31
Rockford, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My name is XXXX XXXX and i live XXXX XXXX XXXX , XXXX IL XXXX , I have a conventional mortgage with Freedom Mortgage the loan number is XXXX . The reason i am writing to you is to let you know that i am filing a complaint with the Consumer Financial Protection Bureau because of the lack of communication and information i have received while trying to keep my home. My monthly payment was {$680.00} and they increased the payment without notifying me, then they increased it again to {$950.00} also without notifying. They stated that they sent me an escrow analysis but it was never received and when I requested it again, no one sent it.
My last payment was made for our XXXX mortgage, but the XXXX payment was not made. I am a XXXX XXXX and XXXX XXXX XXXX to make a living and my truck broke down so i had to put most of my money into fixing it to get back on the road and XXXX XXXX XXXX XXXX . I am now XXXX again and making money to sustain the payments. By the time I tried to call to make payment arrangements i was told my home was being sent to foreclosure. I called in XXXX to make payment arrangements and was told the home was in foreclosure as of on XX/XX/XXXX
On XX/XX/XXXX I called to see what was the amount due and i was told it was well over {$7600.00}, when i asked why i was told that it was because they had attached attorneys fees and other late fees. I tried to make payment arrangements and they said they would not accept anything but the entire amount.
I called on XXXX XXXX of 2017 and was told by one of the representatives who answered that the money was due on XX/XX/XXXX , i asked them to please give me more time and she said that she would check. The rep put me on hold several times while she spoke to her supervisor. She then came on the live and said she was able to get the payment extension approved and at the end of the call she told me that i could pay on XX/XX/XXXX and the loan would be current.
When i called on XX/XX/XXXX at XXXX XXXX to make the payment I was told that i no longer could pay that amount because they needed me to pay additional attorneys fees and that my request for extension for payment to XX/XX/XXXX was denied. However no one called me to tell me this information and i was under the assumption that i still had until XX/XX/XXXX to pay.
I am now being told that i owe them {$12.00}, XXXX . I asked what that amount was for and they could not tell me. The rep said she would have someone look into it and that they would call me back. at XXXX i still had not heard from anyone so i called again.
This time i had a friend of our family, XXXX XXXX XXXX , i gave them permission to speak to her and they instructed me and her to call the attorney to get the information on the additional fees for the loan. I am not an attorney myself and felt very intimidated calling the attorney. Additionally, by calling the attorney this would increase the attorneys fees, which they are making me pay as well. The lack of communication and follow up is making this very difficult.
This is situation is causing so much undue stress to our family and all we want to do is keep our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-31
Leeton, UT
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I 'm having trouble removing PMI from my mortgage. I have met the conditions that were provided to me by my mortgage company ( 20 % equity based on most recent appraisal as well as not late payments ).
On XX/XX/XXXX I received a letter stating the criteria for removing PMI ( which I meet ) and then they state that they were unable to approve my request because I do not meet the two-year seasoning guidelines. The letter provided no explanation about what this meant. When I called the rep said that I needed to have had the loan for 24 months in order to remove PMI. I 've had the home for three years now and refinanced a little over a year ago. Until my request to remove PMI I had not ever heard of a 24-month requirement in order to remove PMI.
I 'm frustrated with this decision to not remove my PMI. I feel that I 've met all the criteria that were presented to me when I refinanced and when I asked freedom mortgage how to remove PMI. When I asked what I could do they told me that PMI would be removed in XX/XX/XXXX. I find this unacceptable and deceiving.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-28
Bronx, 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
2017-07-28
AZ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: We refinanced the house we live in XXXX XXXX XXXX XXXX, Arizona XXXX in XX/XX/XXXX with a company called Freedom Mortgage. It was then at 6.75 % interest rate and a fixed monthly payment. Immediately the payment began to increase so I began to research and investigate why. Freedom Mortgage said it was our escrow which we have evidence it was not. In the summer of XX/XX/XXXX we tried to refinance with XXXX XXXX XXXX as they were our home owners insurance and they said it could be done at 4 % interest rate. It did not happen as they stated Freedom Mortgage made it very difficult and at this time by there word we were now two payments behind. We caught up and paid Freedom Mortgage {$4300.00} in addition to the then payment. Freedom Mortgages stated to us that they sent it to a Loan Servicing company yet every single month we got statements from Them and made the payment directly to them. In the fall of XXXX they changed the account number and it has been a nightmare ever since. We have made the payments and I have copies of all the checks they deposited but not accounted for. They send us statements with amounts of funds placed in an " unapplied fund '' account. They have hurt our credit stating we are almost {$9000.00} behind. They tried to modify lowering the payment to {$590.00} for 3 months but wanted a new signed contract at 6.75 % and 30 years. Now they are threatening forclosure and we are claiming criminal charges because they got funds for months, say we have not made payments, forced us to hire lawyers that we do n't get any feedback as to their assistance but call demanding the payments. Oh we are besides ourselves. We want to get away from such a corrupt mortgage company. WE have contacted you before and they seem to do a pretty good job at lying to you as well when I have boxes and boxes of the evidence. HELP us please. Please file criminal charges against them for keeping money and not applying it to our account. Please file charges for promising they themselves would refinance at 3.5 % years ago and ignored the packages of paper information they requested I send to them stating, " we will get to it when we can ''. Please file charges against them for threatening and intimidating because they can. HELP US please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation