FREEDOM MORTGAGE COMPANY

2016-03-17

Hill Country Village, TX

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

2016-03-17

NV

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: My current mortgage co. Freedom Mortgage, called and offered a refinance, but after I TOLD them my wife had an open credit fraud case they stated they could n't run either of our credit reports. We agreed on a recorded phone call I would consider a refinance in a few months. The next day a title co. called me regarding a refinance with Freedom mortgage. Also, when I called the Freedom mortgage loan officer he told me he ran my credit after an agreement I would not consider opening a refinance with them.
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

2016-03-16

NY

Loan modification,collection,foreclosure

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

2016-03-15

Anaheim, CA

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-03-15

Holly Springs, GA

Loan servicing, payments, escrow account

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

2016-03-14

Waughtown, NC

Loan servicing, payments, escrow account

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: Yes Timely Response

2016-03-14

Finksburg, MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: XXXX XXXX, I settled with XXXX XXXX on my new house. My first mortgage payment was due XXXX XXXX. My Mortgage loan was transferred to Freedom Mortgage and has been a horrible experience. My first payment was made via check and cashed/cleared my account by Freedom XXXX XXXX XXXX. I attempted to make my second payment XXXX XXXX via internet but system problems so I telephoned it in that payment and was advised there system was done. Hours later I logged into Freedom website and saw to pending mortgage payment. Immediately, I called them. I was advised the payments could not be stopped but that once they received both payments, the other erroneous payment could be refunded. After weeks of Freedom not taking, not even one payment, I started calling. After three days, I spoke with a supervisor whom advised, my XXXX payment was cancelled out by someone but could n't explain why, and he said it appeared as if my XXXX XXXX payment was being refunded to me and that I would need to remake my XXXX XXXX payment. This sounded ridiculous. By now my account was reflect I owed XXXX XXXX, XXXX XXXX and since it was getting close to XXXX XXXX. Freedom opened and investigation to look into my account. They even reported this to non-sense on my CREDIT REPORT WHICH HAS NOT BEEN CORRECTED YET AND SHOULD BE DELETED. I had to provide a copy of the cancelled check showing I made my XXXX XXXX payment because they could not locate the check and said they could not find the funds. They stated the funds should have been applied back to my bank account, FALSE. I had to provide bank statements to proof this. I sent a letter advising I would seek legal action if my account and credit report was not corrected. I am still waiting for verification this has been deleted on my credit report as I want to retain my same credit score. How can a company with a pending investigation report an unresolved matter to your credit? They currently have me owing a late fee for XXXX XXXX. I called in on the XXXX and made this payment, my payment is not considered until after XXXX. They are saying it was not received until the XXXX. I am now requesting a letter from Freedom Mortgage stating that they have deleted this from my credit. I was informed it was made current, NO this is not sufficient. It needs to be deleted. I had excellent credit with an impeccable credit score.
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

2016-03-13

Columbia, MD

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-03-12

Meiners Oaks, CA

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: Yes Timely Response

2016-03-12

Milton, DE

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

2016-03-11

Coalinga, CA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received nothing.
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

2016-03-10

San Diego, CA

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

2016-03-10

Alexandria, VA

Loan servicing, payments, escrow account

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: Yes Timely Response

2016-03-09

Cimarron, CA

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-03-09

Lilburn, GA

Credit decision / Underwriting

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

2016-03-07

Hinkley, CA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.
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

2016-03-06

Phoenix, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a mortgage with Freedom Mortgage. I started making bi-weekly payments for a year and almost every payment is misapplied charging me double finance charge on almost every single payment. I have spoken to them on numerous occasions and almost takes an act of Congress to get them to apply the payments properly, sometimes having to follow up 2 or 3 times until the payments are properly applied. If this is happening to me, I know its also happening to anyone else who is making bi-weekly payments. I even asked for an audit of my loan and all to no avail. They even refused to allow me to speak to anyone in the payment processing department. I have spoken to customer service manager and still get nowhere and they cant even offer me any solution to their inability to properly apply payments. Freedom Mortgage is stealing finance charges from unsuspecting customers and this must stop. They are violating the law and refuse to do anything about it. All their loans should be audited by Federal Auditors to verify compliance. Thank You for your assistance
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

2016-03-03

Arlington, WA

Loan servicing, payments, escrow account

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 Untimely Response

2016-03-03

Eagle Creek, IN

Application, originator, mortgage broker

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

2016-03-02

Lox, FL

Loan servicing, payments, escrow account

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

2016-03-02

Hampton, VA

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-03-02

Key Biscayne, FL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I was told by the mortgage company Freedom Mortgage that they can do my loan. Made everything clear from the beginning and have email documentation proving it. They then proceeded to tell me they ca n't do the loan for the same reason they told me they could. I did not hide anything from them.
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

2016-03-02

Northside, NC

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: My mortgage company change servicing company when that happened they stop taking our regular scheduled mortgage payment out I notitified them of that and then we trying to get back on track since then I have made XXXX mortgage payments and they only credited me for XXXX they have been very unhelpful and unapologetic and we still have n't got the situation corrected
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

2016-03-01

Coalinga, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX 2016, I mailed my mortgage payment. The payment was lost in the mail. I received a call from Freedom Mortgage advising me that my payment had not been recieved this was XXXX XXXX, 2016 I immediatly placed a stop payment on the check at the Mortgage companys direction and paid my mortgage payment by phone. This is when my demise began I began getting calls advising me I had not made a payment. I provided an internet copy of my bank statement showing the payment had been deducted from my account. Upon reciving my bank statement I sent a copy showing the money had been taken out of my account. In XXXX I sent my check mortgatge payment certified mail. through this ordel I have spoke to supervisor after supervisor telling them I owe nothing there response was we will look into it. It appears that the person that took the info over the phone for the XXXX payment applied it to Principal again supervisor after superviosr advised me this would be fixed with no penaltys. I continue to get a call daily. they now are dunning me for the XXXX payment. They read notes each time they call and tell me this will be straightened out I continue to get a new perosn calling me daily. Typically while at work. I have never in 20 years been late on a mortgage and I am not behind now. I merely want this matter cleared up and the harrassment to stop. The incompetence of this company is horrible.
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

2016-02-29

Frankfort, KY

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