FREEDOM MORTGAGE COMPANY

2017-01-11

FL

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: I have not been in contact with my loan processor/mortgage broker, XXXX XXXX at Freedom Mortgage Company in XXXX, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and XXXX child will be homeless due to the disregard and unprofessional conduct by the loan officer. Also, I have tried to contact the loan officer manager and left him a voicemail. He has not responded back to me either. The last time I spoke with the loan officer, XXXX, he stated he was going to submit my loan on Wednesday, XX/XX/2016 and he had the signed documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-11

Rncho Domingz, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Our family was part of a trial payment program to qualify for a loan modification with Freedom Mortgage the company. During the trial period until the final approval and modification of the loan we made all proper payments on time. We have been referred to the credit bureaus as late payments for the entire trial and approval process. This issue has damage my credit score to the lowest point. Freedom Mortgage did not inform me at any time that this entire process will be reported as being a late payor. I have called several times to get this disputed and I am always being told that it will be under review with no solution. Can your team help us clear this issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-11

Point Arena Air Force Statio, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My Broker and I contacted a manager at Freedom Mortgage on XXXX/XXXX/XXXX asking about if they would be sending the XXXX Tax payment in. We were told that it was to be mailed out on XXXX XXXX, XXXX, upon which we told them that that would cause it to be late. I told them that I would go and pay it so that my loan would be able to be closed. I did and have copies of the paid receipt from XXXX XXXX XXXX XXXX office and also the front and back of the check. I contacted Freedom Mortgage on XXXX XXXX, XXXX and told them that I had paid the taxes personally and they said that they mailed the check to the tax office on XXXX XXXX, XXXX. I contacted the tax office on XXXX XXXX and they had not seen anything from them. I called Freedom again on XXXX XXXX explaining the situation again and this time was told that they see there was a stop payment put on the payment and to give it 14 days. I called the tax office again today XXXX/XXXX/XXXX and they still have not seen anything from this company. I have sent XXXX emails, with no response, but have received a letter from them on XXXX XXXX and again on XXXX XXXX saying that they are reviewing the information that I provided. The loan closed on XXXX XXXX and they have been paid in full. I just want to get my {$1500.00} back that I overpaid. I feel like I 'm getting the run around. They have had everything they need to resolve this issue. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-10

Lewisville, TX

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: My ex husband bought a home in XXXX of 2013, using his VA loan. The bank he went through is called Freedom Mortgage. This house was bought in New York. I noticed the house has been put on my credit. I was no where on the loan agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-09

Lake Ridge, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-01-08

Greenwood, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: This a request for reimbursement of {$21.00} from Freedom Mortgage as well as a request for a review by the appropriate authority of a questionable business practice on the part of Freedom Mortgage that likely results in impacts to many unknowing mortgage customers. The background follows : I sold a property at XXXX XXXX XXXX, XXXX, CA that had a mortgage with Freedom Mortgage. The business address and contact information provided for Freedom Mortgage on my previous mortgage statements is as follows : XXXX, XXXX, TX XXXX. The property transaction closed on XXXX XXXX, 2016 and I am providing the closing statement. Upon close inspection of the closing statement, I discovered that I had been charged a late payment fee by Freedom Mortgage that they received as part of my loan pay-off. Because I knew that there had never been a late payment on this loan, ( and I did double-check that all previous mortgage checks had cleared appropriately ), I called Freedom Mortgage to have this addressed. Freedom mortgage staff verified that I never had a late mortgage payment on my account. After verifying that I have never had a late payment for this mortgage, I had numerous discussions with Freedom mortgage staff trying to be reimbursed for the late fee that was applied in error. At first, I was told by Freedom Mortgage staff that the late fee appeared on the estimated closing statement " in case '' there was a future late mortgage payment, but that the final closing statement did not include it. However, I pointed out that the final closing statement I held in my hand did indeed include that late fee. After being run around to numerous departments, Freedom mortgage staff finally did acknowledge that there was an error and put in an " order '' to have me reimbursed. However, nobody apparently followed up on this " order. '' To date, I have not been reimbursed and have made numerous follow up calls, but no one has been able to resolve this or provide an explanation. On XXXX XXXX alone, I invested approximately 1-1/2 hours trying to resolve this. I also had a follow up call of over 20 minutes on XXXX XXXX and several calls in between. My mortgage escrow reimbursement for the loan closure did not show reimbursement of this late fee. As well, numerous discussions I had with staff trying to resolve this issue occurred after receipt of my mortgage escrow refund check, so I do not believe it was resolved through the escrow reimbursement. At this point, the extra-ordinary amount of time I have had to spend to right this situation is not worth the {$21.00} I stand to be reimbursed. However, I am livid over the terrible customer service, the fact that I am still owed {$21.00} with no explanation why I have not yet received reimbursement, and especially the unscrupulous business practice of including a late fee on a payoff statement " in case '' there is a future late mortgage payment. Please keep in mind that there was never a late payment on my account, that the escrow in question was originally scheduled to close on XXXX XXXX, 2016, and the fee applied " in case '' was for the XXXX, 2016 mortgage payment. Even though the property sale closed on XXXX XXXX, 2016, this was still well in advance of XXXX XXXX, 2016, the first date when a late-payment fee could have possibly applied on this mortgage. I wonder how many other consumers may have paid a similar unjustified late charge that was applied " just in case '' and never reversed. Any assistance you can provide is appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-06

Sarasota, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: FREEDOM MORTGAGE AND XXXX HAVE BEEN TWO OF THE MOST DISHONEST COMPANIES I HAVE EVER DEALT WITH. ATTACHED IS NEW EVIDENCE TO CONVICT THESE XXXX WITH. HERE IS A BRIEF SUMMARY. FREEDOM MORTGAGE REQUIRES WIND INSURANCE ON THEIR LOANS IN FLORIDA AND IT IS ALSO THE SINGLE MOST EXPENSIVE ITME IN THE ANNUAL TAX/INSURANCE ESCROW. THESE PREDATORS CAME INTO OUR HOME, AND MISLED XXXX YEAR OLD VICTIMS. THEY TOLD US OUR PAYMENT WENT DOWN ... THIS WAS A LIE. THEY ADDED YEARS TO THE LOAN AND THOUSANDS AND THOUSANDS OF DOLLARS IN ADDITIONAL PAYMENTS BUT HID THESE FACTS USING FRAUD DURING THE DISCLOSURE PROCESS. THESE CRIMINALS WANT US TO BELIEVE THAT THIS INCREDIBLY WELL CALCULATED AND WELL PLANNED THEFT WAS ALL INADVERTANT AND JUST A SIMPLE ERROR. THIS CLAIM IS LAUGHABLE. XXXX SHOULD BE FINED AND PUT IN PRISON FOR INTENTIONALLY DEFRAUDING THE US FEDERAL GOVERNMENT AND CONSUMERS. THE LOAN ORIGINATION FRAUD WORKED WELL. THEY SLIPPED IT PAST THE TRUSTING XXXX VICTIMS. IN YEAR 2 HOWEVER, THE MONTHLY PAYMENT ALMOST DOUBLED ... BUDGET BREAKER FOR XXXX ON FIXED INCOME ... AND THESE CRIMINAL XXXX KNEW THIS. WE SAVED OUR HOME AND MADE EVERY PAYMENT BUT WE ALWAYS HAD AN ESCROW SHORTAGE. THEN, MY HUSBAND DIES SUDDENLY. IMMEDIATELY UPON RECEIVING A DEATH NOTICE ON ONE OF THE SPOUSES, THEY COMMIT EMBEZZLEMENT AND STEAL ALMOST {$1500.00} FROM MY ESCROW ACCOUNT. I AM NOT NOTIFIED WHEN THIS MONEY LEFT NOR AM I NOTIFIED WHEN IT WAS RETURNED. I HAD TO SPEND HOURS AND HOURS WITH THE PUBLIC RECORDS PEOPLE AT THE COUNTY AND I FOUND THE ANSWERS, XXXX ( A FREEDOM MORTGAGE FRONT COMPANY DISGUISED AS A 3RD PARTY ) AND FREEDOM MROTGAGE NEVER PROVIDED THE HELP OR ANSWERS ... BUT THEY DID TRY AND FORECLOSE EVEN THOUGH WE MADE EVERY SINGLE MONTHLY PAYMENT. WHEN WE DISCOVERED THE ESCROW EMBEZZLEMENT, THEY SAID THEY WERE GOIUNG TO PUT THE MONEY BACK BUT NEVER TOLD US WHEN OR THE AMOUNT. WHEN THE ILLEGAL FOREC, OSURE WAS AVERTED AGAIN THROUGH PAYMENT AND ACCOUNT RECONCILIATION, FREEDOM MORTGAGE TRANSFERRED THE ILLEGAL, FRAUDULENT LOAN, TO THE ONLY XXXX I KNOW MORE CORRUPT THAN FREEDOM MORTGAGE, XXXX MORTGAGE. WHEN NOTIFIED OF THE FRAUD XXXX BEGAN AN INVESTIGATION BUT THE CRIMINAL RACKETEERING SCAM IS NOT SET UP TO HELP, IT IS SET UP TO STEAL. EVERY MONTHLY PAYMENT WAS MADE YET XXXX PICKED UP AN ACCOUNT OVER A YEAR BEHIND IN ESCROW PAYMENTS, SO THE PAYMENT DOUBLES AGAIN. THE COUNTLESS ACTS OF FRAUD ARE GUT WRENCHING. THESE XXXX WORK TOGETHER TO STEAL. WHEN PROBLEMS ARISE THEY DO A PORTFOLIO TRANSFER AND HIDE THE CRIME. FREEDOM MORTGAGE DID IT. XXXX DID IT. AND I DOCUMENTED XXXX IN XXXX FLORIDA SEIZED AND RESOLD BY XXXX EVEN THOUGH WE HAD, IN WRITING, XXXX ADMITTING THEY NEVER LEGALLY FORECLOSED. THESE ARE NOT ACCIDENTS FROM HONEST COMPANIES. THE LACK OF CORRECTION IS THE BIG CLUE. EVERY SINGLE MISTAKE HURTS THE CONSUMER. EVERY ILLEGAL ACT DESTROYS THE CONSUMER. CUSTOMER SERVICE IS A FRAUD. EXECUTIVE XXXX CRIMINALS LIKE XXXX AT XXXX, XXXX AT XXXX, AND XXXX AT XXXX MORTGAGE ... CAN ALL LOOK A VICTIM IN THE FACE ABND SAY " YES, WE COMMITTED LOAN FRAUD, ESCROW FRAUD, EMBEZZLED FUNDS, COLLECTED PRINICIPAL WITHOUT CREDIT AND ADDED RANDOM ILLEGAL FEES TO FUEL THE COROPORATEJETS WE USED ... SORRY YOU LOST YOUR HOME BUT YOU XXXX, YOU SHOULD HAVE PAID YOUR BILLS AND IT 'S ALL YOUR FAULT FOR GETTING A LOAN '' WORDS CAN NOT DESCRIBE HOW DESPICABLE THESE PEOPLE ARE. THEY STOLE MONEY FROM A GRIEVING WIDOW WITHIN DAYS OF HER CREMATING HER HUSBAND WITH NO GUILT OF ANY KIND. ATTACHED~ NOTICE THE FORECLOSURE ATTEMPT IN XXXX AND THE ILLEGAL LOAN TRANSFER IN XXXX AFTER WE SAVED THE HOME FROM YET ANOTHER INTENTIONAL CRIMINAL ACT. I CAN NOT STEAL CARS AND SELL THEM. FREEDOM CAN NOT WRITE ILLEGAL LOANS, COMMIT FRAUD AND SELL THEM WHEN THEFT IS UNSUCCESSFUL
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-01-06

Pineland, FL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

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

Disputed: No Timely Response

2017-01-06

Newnan, GA

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: My mortgage company never disclosed to me how much equity was in home. I refinanced for a lower interest rate to XXXX in XX/XX/XXXX. I was never told the amount that I could receive for refinancing no paper. So now I went to refinance for a cash out in XX/XX/XXXX to consolidate all my debt into XXXX and was told that have gaps in my employment. Not to mention I called to verify if all of my documents was received and then I got the bad news. I am currently with the same mortgage company presently and they sent me a letter stating that I withdrew my application which was false. My current mortgage balance is XXXX and my current market value is XXXX plus. My mortgage company valued my house at XXXX in XX/XX/XXXX. Now it is valued at XXXX my loan application with them in XX/XX/XXXX. So I never was disclosed that amount I could have got when I refinance in XX/XX/XXXX. I purchased my house in XX/XX/XXXX and refinance for a lower interest rate with my current company. I feel that they have done some practices that was not fair disclosing the amount I could have received at refinancing and if possible what was the amount I could have received then and I could have paid down college loans, car payment or put the money back in my home. As a consumer I feel that I was taken advantage of by this and given false information so deceiving. Please help where did the money go because I was n't told about the amount XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-06

Federal Way, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Charged a late fee on my mortgage payment erroneously. check was cashed on XXXX, late fees payable after XXXX and yet bank charged 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

Disputed: Yes Timely Response

2017-01-06

South Florida, FL

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: I have been a Freedom Mortgage customer since I purchased my home in XXXX XXXX. In XXXX XXXX I decided to refinance my loan, but the entire process has been extremely frustrating and unsatisfying, particularly with a Freedom Mortgage employee, XXXX XXXX. XXXX XXXX demonstrated appalling disregard and unprofessionalism. Emails between XXXX XXXX and I illustrate how I have been proactive in this process to provide the necessary documents needed. Yet, XXXX XXXX has neglected my information resulting in me receiving an email from XXXX XXXX, that my loan would be withdrawn due to " non-responsive customer. '' When I 've attempted to contact XXXX XXXX numerous times via emails and phone calls, I received no response. Then, my account was then conveniently transferred to XXXX XXXX ( the 3rd loan officer/processor to have my account since XXXX XXXX ). XXXX XXXX informed me on XXXX XXXX, XXXX she would look into the matter. On XXXX XXXX, XXXX when I was unable to reach XXXX XXXX, I spoke to her team leader, XXXX XXXX XXXX who also stated he would be looking into the matter and get back to me. When I did not hear back from XXXX XXXX, I spoke to his manager, XXXX XXXX XXXX. As I write this letter, I 'm still waiting. Although I remain hopeful that this matter could be successfully resolved, due to the high level of disregard I received the refinancing of my loan is at jeopardy. I need somebody to help me with the lack of communication with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-04

WA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I was contacted by my mortgage company ( Freedom Mortgage ) about refinancing. It sounded too good to be true since they said it would not cost anything. I verified that the company was legitimate and decided to pursue on XXXX XXXX 2016. I have a few rental properties and the loan officer asked some questions and he incorrectly filled out an application for me. I told him that there was missing information and he stated " you already have a loan with us and you qualify only on your income so it should be fine ''. Well once it got to underwriting, they have been slowly asking me for information for a complete financial snapshot which I understand. It is now XXXX XXXX and I have no idea when the refinance will be completed. They are apparently still missing some information that could have been requested at the time I initially provided all of my information. To top it off, the most recent loan documents that they sent me have changed the terms of the loan. It seems like a bait and switch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-03

Bisbee, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-03

Stockbridge, GA

Credit decision / Underwriting

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

Disputed: No Timely Response

2017-01-03

Sarasota, FL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: XXXX HAS COVERED UP AND ASSISTED IN NUMEROUS COUNTS OF LOAN FRAUD. XXXX AND FREEDOM MORTGAGE ARE ALSO GUILTY OF ILLEGAL LOAN ORIGINATION, EMBEZZLEMENT, CONSUMER FRAUD AND MORE. IN AN ABSURD CLAIM OF LEGAL INTERPRETATION, INTENTIONAL FRAUD IS WRITTEN OFF AS ACCIDENTS AND THE CONSUMER IS RIPPED OFF WITHOUT RECOURSE INTERNALLY. EVEN MORE BIZARRE, FRAUDULENT LOANS ARE NOW VALID BECAUSE THEY SOLD IT ... ILLEGALLY. ATTACHED IS A SETTLEMENT OFFER TO END THIS DISPUTE ONCE AND FOR ALL
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-31

CT

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: We are refinancing our mortgage through XXXX XXXX XXXX XXXX XXXX. We were pre-approved by Freedom Mortgage company for {$160000.00}. pending our appraisal. We were given an FHA certified appraiser from XXXX XXXX ( through XXXX ). The appraisal came back at {$190000.00}. which was only {$5000.00} shy of what we needed. So the broker ( XXXX XXXX ) revised the loan request accordingly. We were just waiting for the approval of the underwriter. The underwriter requested that some comments be added to the appraisal so the broker sent it to the appraisal company for adjustments. we received our updated appraisal to find out it was decreased by {$10000.00} to {$180000.00} due to one added comparative property. We feel we are being undervalued and are not being treated fairly. This refinance has been taking a month and estimates just keep changing. We believe a decrease of that amount for one comparative property is unjust. The FHA approved appraiser 's first opinionated value should not be able to be overridden in that way. We have been paying our mortgage for 14 years and have refinanced in the past without problems of this nature. XXXX XXXX XXXX XXXX XXXX has been great every step of the way and believe we deserve a fair experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-31

VA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My loan was transferred to Freedom Mortgage starting on XX/XX/2016. I had sent a payment to the wrong company XX/XX/XXXX, and talked to XXXX different customer service reps to make sure that a late fee would not be charged. They both stated that they had removed the unauthorized fee, yet they keep showing up in my statements. Under federal law, a person can not be charged a late fee within the first 60 days after a loan is transferred, and a loan is transferred according to the XXXX payment to the new provider ( XX/XX/2016 ). I am also unable to pay the amount without the late fee, unless I call in, in which they charge me a {$15.00} convenience fee! I have my previous conversation with the customer service rep recorded, where she agrees that I am right about the fees, and also promising that it will be removed from the next statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-30

MN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Freedom mort assessed our loan over {$400.00} in late fees that we do not owe. They refuse to communicate with me, except hiding behind a letter saying they wo n't reverse the fees with NO explanation or proof I owe these late fees. I have documentation that proves NO LATE payments have been made. I call them, they tell me to email, I email they do n't respond. They are lying about the late fees being owed on my account. They also raised our mortgage {$200.00} a month with no warning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-30

San Angelo, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Since the beginning we have had nothing but trouble with this company, about two years now, they continually raise our monthly payments and upon inquiry as why they were going up we were told it is due to a missed payment and it distributes that months payment across a 12 month period, which would be fine if we were actually behind! Additionally, every month we try to make a payment online it simply says that a payment can not be made to an unknown error, we have tried several different browsers and computer still did not work, forcing us to make a payment through their telecommunication and proceeding to charge us a penalty of {$40.00} or so each month. However, what brings me here today is another issue we continually have with them is that, this month we were actually able to submit a payment online and recived a statement stating that the payment was received and successful on the XXXX however today we received an email stating that the payment failed and they have charged us a {$15.00} failure fee, an additionally {$30.00} processing fee or something, and now a late payment. When we called the mortgage company to make the payment again because a website can not refund these fees as I feel we are entitled to a refund due to the fact that, we received a successful payment statement and they waited XXXX days to contact us which made our payment late, we now have to pay the telerep fee, and upon demanding a manager several times the representative refused to let us to talk to XXXX. This company is a crook! and upon looking at the XXXX reviews it appears that many people has had the same issues. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-29

Lakewood, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-12-29

Mc Farland, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Our home mortgage was sold in XXXX of XXXX to Freedom Mortgage. Throughout the life of our loan, we paid into an escrow account that paid our taxes twice per year. Once in XXXX and again in XXXX. When the loan was sold, Freedom claimed that our account was set up to only make a single tax payment from our Escrow account, however we have records that indicate in XXXX it was paid in XXXX and again in XXXX. Freedom conducted an escrow analysis in XXXX of XXXX that indicated we had a " projected shortage '' of {$3900.00} dollars. Which was absolutely ludicrous as our taxes are only {$5700.00} per year and we pay roughly $ XXXX/mo towards our escrow account. Every time we tried to speak with Freedom, they said they " would start an investigation '' and would " follow up '' with us or we were disconnected or was told contradicting information. XXXX representative told us that the {$3900.00} was a shortage from XXXX that they paid for us so that was why we were having to pay it back another said it was a " projected shortage. '' Multiple times we requested that they change back our payment schedule to twice yearly, however they never did and instead broke up the {$3900.00} shortage into 12 month payments for us to " pay back '' which resulted in an approximate increase of $ XXXX/mo to our mortgage. We have recently refinanced with another lender just to be done with Freedom but in the meantime have paid the increased mortgage amounts to avoid late fees/credit reporting as we have outstanding credit and have never missed or been late with a mortgage payment. I 've never felt so cheated about something in my life and Freedom has continued to show poor business practices through our refi sending the wrong payoff amounts multiple times over, which I can only believe was intentional to stall the loan payoff through the end of the year. At this point, the payoff was wired to Freedom today from our new lender, we had to increase our loan amount by roughly {$2500.00} because they did n't send the accurate loan payoff number, they now have over {$5000.00} in our escrow account and we have very little faith that they will return that money within the 30 day requirement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-28

Springfield, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-12-28

OR

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: XXXX XXXX I was forced to sale my home due to hardship related to divorce. I entered into the loss mitigation process XXXX with an offer, but Freedom Mortgage continually delayed the process, lost documents, and eventually caused XXXX buyers to back out over 5 months. Finally, I received a cash offer, but still it took several months of back and forth to Sell the home. Following the sale of the home XXXX XXXX Freedom Mortgage continued to notify the credit bureaus that I am past due 180 days. This home had multiple offers, would have sold multiple times, and even after it sold I continued to get threatening letters regarding property insurance on a home I no longer owned. Freedom Mortgage has no accountability and their departments lack communication that sets up consumers for failure. Their loss mitigation process is not transparent, their customer service department lacks customer service ( Multiple complaints filed with no response ), and they have made no attempt to work with me to resolve this issue. I submitted my complaint to the XXXX with an evidence file that clearly articulates the issue with time stamped evidence, but the response completely avoids the evidence presented and only points out a poorly drafted timeline that omits their continued failures questioned in my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-28

Westfield Ctr, OH

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: On XX/XX/2016 my wife and I sent an overnight package containing documents for possible loan modification to Freedom Mortgage 's loss mitigation department. I have called multiple times to check on the status of our case, Freedom Mortgage tells us form XXXX is missing, but then Freedom Mortgage verifies later that the document has been received and the loss mitigation department needs to evaluate the form and for my wife and I to call back several days later and check on the status, but when I call back, again Freedom Mortgage claims they still need the XXXX form, but after checking find the document and tells me to again call back and check the status. This has been ongoing for several weeks now. My wife and I have done everything possible to reach out for assistance from Freedom Mortgage. It seems they are trying to discourage us from proceeding and to give up. We sent the revised XXXX form on XX/XX/2016 and we have been waiting for our possible modification to move forward. We were told a single point of contact will be assigned to us within the loss mitigation department, this has not happened yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-28

Westfield Ctr, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Freedom Mortgage became the servicer for my home loan on XXXX XXXX. I made the XXXX payment to my old servicer, XXXX. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my XXXX payment to Freedom. They claimed the XXXX payment was not enough, so they applied no funds to the loan. They obtained the payment made to XXXX. They now had XXXX payments, which they calculated to cover XXXX, because they miscalculated my mortgage. This meant I had XXXX payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in XXXX and XXXX. I called again in XXXX. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in XXXX and XXXX. My credit has dropped as a result from over XXXX to the high XXXX. I called again in XXXX. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response