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 87
2016-01-20
Lox, FL
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-20
Waynesville, MO
Loan modification,collection,foreclosure
Mortgage: VA mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-20
San Jacinto, CA
Loan servicing, payments, escrow account
Mortgage: VA mortgage
Complaint: Freedom Mortgage ( LOAN # XXXX ) told me that my escrow was short by {$3700.00} which I paid over the phone. I submitted my XXXX Veterans Property Exemption ( {$120000.00} ) prior to the property taxes being due, which also lowered my monthly mortgage payment. This mortgage company received the corrected tax bill of {$2300.00} and paid the old bill of {$3000.00} ( overpaid by {$700.00} ) because no one verified the bill even though they knew that I had been approved for the tax exemption XXXX XXXX Veteran ). I made the XX/XX/XXXX payment of {$1200.00} and I received letters that my mortgage payment for XX/XX/XXXX was short by {$300.00}, even though I made the full payment and have receipts for a full payment. This company continued to send me delinquency notices and stated in a letter that they turned me into the credit bureaus. After disputing that I did n't owe the additional amount and they discovered that the error was on their part, they send me a letter stating that they would adjust my account. I received another statement today ( XXXX XXXX 2016 ) and my account has not been adjusted. They send me a letter stating that I was in default of my loan. I have done my own research on this company and have found that they have done this same thing to other customers. This company continues to send erroneous collection letters to me and other customers stating that they are behind in their loan payments and that they are in default. I paid {$3700.00} and received an exemption of {$120000.00}, they overpaid my property taxes by {$700.00}, how would I owe anything????? Please make this company correct their error and send updates to my account to me and correct the erroneous credit reporting that they provided to the credit agencies. I have owned my home for 7 years and have never been late. I filed a complaint with the CA Dept of Business Oversight ( complaint # that my payment can now be lowered monthly to {$1300.00}. I was also informed that I would be due a refund of about {$1200.00}. As soon as the assessor made their corrections to the new lower property tax bill, I faxed to your office for your company to make the corrections. Each time I speak to someone in their company, they act like they do n't know what I am talking about. I have send letters and emails to this company demanding that they correct their mistake, it is damaging my credit Please make them refund the additional monies that they sent out to the XXXX Tax Assessors Office so that I may receive my refund. Their mistake has caused me financial hardship, because they made me pay money that I did n't owe.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-19
Arlington, TX
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Complaint: In XXXX XXXX, we were solicited by our current mortgage company, Freedom Mortgage, to refi our existing loan to a lower rate and lower payment. In the solicitation, as well as in phone and email communications, we were told that there would be no closing costs, no costs rolled into our loan and no additional time added to our mortgage. When I expressed concerns about this being to good to be true to the loan officer, XXXX XXXX, he told me it was a customer retention program designed to keep clients happy and prevent them from shopping for a better rate. After we were given written confirmation that there would be no costs of any kind associated with the refinance, we agreed to move forward and allow Freedom Mortgage to run our credit and begin the refinance process.
We were given a list of required documents and a link to a portal for uploading documents. We uploaded all the requested documents during the first two weeks of XXXX XXXX. On XXXX/XXXX/XXXX, we received an email from our loan processor, XXXX XXXX XXXX, requesting XXXX and XXXX business and personal tax returns. On XXXX/XXXX/XXXX, I emailed the requested tax documents along with a reminder that I had also uploaded all of the originally requested documents to their online portal.
Approx two weeks later, we received a letter stating that our rate lock was about to expire due to not receiving all documents. I immediately called and spoke with XXXX who assured me that all documents had been received and that I need not worry about the rate lock expiring because that only applied to them receiving all documents and that it would not matter if our closing date was after the rate lock date. She told me at that time that they would be back in touch in a couple weeks to set a closing date.
On XXXX/XXXX/XXXX, I called XXXX to see where we were in the process and ask why we had not heard from someone about a closing date since this had now been going on for well over 6 weeks. At first she said our refi application had been closed out on XXXX/XXXX/XXXX due to not receiving the XXXX and XXXX tax docs. When I pointed out that I had mailed those documents to her and that they had been received by her on XXXX/XXXX/XXXX, she then said the issue was we did not send the XXXX 's with the tax returns. I then pointed out to her exactly where the XXXX 's were in the attachments that had been sent to her. At this point she said " I uploaded everything, I do n't know why your loan was closed '' ... She could provide me no more information and directed me back to my loan officer, XXXX XXXX.
On that same day, XXXX/XXXX/XXXX, I called XXXX XXXX but he was out of the office so I emailed him a request to have someone who knew what they we doing to get in touch with me. On either XXXX or XXXX/XXXX/XXXX, I spoke with XXXX XXXX and he said he would check on my file and promised to call me back no later than noon Fri, XXXX/XXXX/XXXX. On Fri afternoon, after not getting a call from anyone at Freedom Mort, I called XXXX XXXX again and his voicemail message said he was out of the office. I left a message requesting a call, again ...
On Tues, XXXX/XXXX/XXXX, I emailed XXXX XXXX that if I did not hear from someone by noon the next day, I would be filing formal complaints. Later that same day, XXXX XXXX emailed me and apologized for not getting back to me and again promised to review our file and get back to us within 24 hours.
On Weds, XXXX/XXXX/XXXX, I received an email from XXXX XXXX that he had been assigned to a new department at Freedom Mort and could no longer work on my loan. He said the file had been reviewed with his supervisor and that a new loan officer would be in contact with me within 24 hours. He did not supply the name of the supv nor the new loan officer ...
On Thursday, XXXX/XXXX/XXXX, I emailed XXXX and XXXX requesting the new loan officer info. As of XXXX/XXXX/XXXX, there has been no contact.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-18
Fairfield, CT
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-18
Brooklyn, NY
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-16
Bedford, TX
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-15
CA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Freedom Mortgage acquired my mortgage loan effective XXXX. Freedom Mortgage breached the contract by improperly applying an additional principal payment into an escrow account. I have sent them an email about this but they did not respond. I telephoned them to instruct that the funds in the escrow account were a principal prepayment. They have not reversed it. I have been prepaying my mortgage since I obtained it. I have an XXXX FICO. this is a fraud on me as a borrower and is clear breach of contract terms. I have been damaged by the additional interest that will be charged. Also, I prepay every month and I will continue to be damaged if they continue to wrongfully place the principal prepayment into an escrow account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-01-13
Philatelic Center, CA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: XX/XX/XXXX, I refinanced my mortgage. Because of the way the dates fell, after payoff I was due back approximately {$1800.00} from my old lender ( Freedom Mortgage serviced by LoanCare ). One month after payoff, I called to inquire about my refund check. The XXXX rep said I had to wait 3 months before they would look into it further or reissue the check. I called back on XX/XX/XXXX. The XXXX rep had trouble finding my information because she said the loan was " closed '' and " archived '' so she had no record of it in her system. She said she 'd put in a request to have it reissued and I asked her to verify my address and she said it was correct. Weeks later ... still no check.
I called back XX/XX/XXXX and was told the earlier Rep had " messed up '' and did n't file the proper reissue request. Then I was told my address on file was also wrong ( they had # XXXX instead of XXXX ). This Rep promised to put a rush on my reissue request. I called back last week because I still had n't received the check. This time I asked to speak to a Supervisor who claimed his name was XXXX XXXX and ID # was XXXX ( but he sounded as if he was lying ). He said my loan was closed and they did n't have access to my information. He could n't confirm the status of my refund check nor whether my address was correct. When I pleaded for help as I needed that money and asked him, would n't he follow up on nearly {$2000.00} if he was in my shoes, he said " No M'am ''. He pretended to take my email address and phone number and promised to follow up. Now nearly 7 days later and he has not followed up nor have I received my refund check. This is illegal for this company to hold my money in this way and claim to have no record of it. I can not believe this servicer is allowed to exist. They are corrupt and a total mess. I just want my money back that is rightfully mine, and I want the CFPB to investigate this company. Just look at their XXXX reviews to see how horrendous they are : XXXX They are stealing from US citizens . Now it is getting close to tax time and I was counting on these funds to pay my property taxes. What am I supposed to do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-01-13
Paradise, 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
2016-01-13
FL
Settlement process and costs
Mortgage: FHA mortgage
Complaint: I entered into an agreement for a Streamline Refinance of my FHA loan in XX/XX/XXXX. The loan was supposed to close in XX/XX/XXXX. The closing date has been delayed to XX/XX/XXXX. The terms are not the same as promised. The problems are : 1 ) I have been told since the beginning that I would not have a payment due the month following the month I close in. The original documents I signed included 2 months of interim fees to cover the fees for the month I would close in and the following month until my next payment was made. The closing scheduler told me today my first payment was due XX/XX/XXXX. I told her this was not correct and I have been told by every person involved in this process that I would not have a payment due the month after I close. I also told her that the notes from XX/XX/XXXX and our conversation confirmed that if I close in XX/XX/XXXX, I will not make my first payment until XX/XX/XXXX. 2 ) There was a lender credit approved for no cash to close as of XXXX/XXXX/XXXX, and they 've been telling me it was approved for no cash to close since before the original closing date. They requested this on their own, despite the way the loan was written, and I was under the impression this was requested to make up for the fact that they delayed my loan repeatedly. As of XXXX/XXXX/XXXX, there was no cash to close required, as of XXXX/XXXX/XXXX, they asked me for half a payment and told me it was {$600.00} ; today, the scheduler told me it is nearly {$900.00}. 3 ) A rep called me today and told me that my new payment would be over {$1300.00}. I asked her to send me the breakdown in an email so I could look at the numbers and she said I would not be sent the numbers until 3 days before closing. The initial disclosures said the payment would be {$1200.00}. From what I read after I got off the phone with her, nothing has changed except the Mortgage Insurance is around {$1.00} less.
This process has been going on since XX/XX/XXXX and has been repeatedly delayed by the lender 's underwriting and processing departments. I have been promised certain terms repeatedly throughout the process and have documented all the details in emails and phone calls. In addition to the initial disclosures and agreement, I was promised additional concessions, such as a lender credit for no cash to close, for what I thought was an attempt at customer service. When I call to ask for help, no one seems to be in charge and no one can help me resolve my issues. No one at this company seems willing to take responsibility for any delays or mistakes, or to honor the terms of the disclosures and agreements I have made with them. I have repeatedly called to get help to resolve the issues with my loan and no manager provided me any help in resolving these issues. I feel like there is no one at this company that has the ability to honor the promises they made to me throughout the process and/or is willing to help me. Lenders can not refuse to honor the disclosures and agreements they make, especially on a government program loan ( FHA ). The customer service I have received throughout this process equates to unfair and deceptive practices and have caused me enormous stress. There has been no recourse for me dealing with the company directly. The loan officer and processor were very helpful, but have no power to enforce the actual terms of what was promised to me, and anyone with any authority to honor the promises and agreements made refuse to help me. I have not even been able to get a manager on the phone that is willing to help me with any of these issues. All communication has been in writing or recorded, and extensively documented on my file with Freedom Mortgage and can be verified.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-12
Belvidere, IL
Application, originator, mortgage broker
Mortgage: Other mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-12
San Jacinto, CA
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-11
Ocean City, MD
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-09
Bloomington, MN
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-08
Scottsdale, AZ
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: My loan was originally with XXXX XXXX and had been recently bought out by Freedom Mortgage in XX/XX/XXXX. I have received nothing but horrible service from them so far and nothing has been accomplished since my initial request on XXXX/XXXX/15. On XXXX/XXXX/2015 - I emailed a request to remove my PMI to XXXXXXXXXXXX and attached a copy of an appraisal I paid for that is from an accredited appraiser. They told me I would receive a response from them within XXXX hours. I have received no such response. I called in on XX/XX/XXXX, they told me that it is under review and could take a month to process. I waited a month and called XX/XX/XXXX. I was told that they did not have a copy of my appraisal so they closed the case. All this time I have yet to receive any mail from them letting me know any of this information, this correspondance was from me having to call them to follow up. The representative I spoke to told me that she didnt know why they said they didnt have the apprasial when she could see it attached to the email, so she opened up the case for me again. I waited and still no correspondance, so I called again I believe it was on XXXX XXXX or XXXX. I spoke to a " XXXX '' she told me that she sent an an email requesting an update and she was to call me back on XXXX XXXX to give me an update. I had no such call back. I called again on XXXX XXXX and spoke to a XXXX, she would not give me her last name which i figured they did n't want to be responsible for any calls they take in. Anyway, I asked to speak to a XXXX at this point and was very frustrated that I have been given the run around. She send me to a voice mail box of XXXX XXXX, because apparently he told her he was too busy to take my call. I left him a detailed voice message and had no return call back from him. I called today XXXX XXXX to ask for update and to let them know I have yet to hear back from XXXX. Apparently I was not important enough to get a return call back. The Rep told me that she did see some notes on the system today from a team lead named XXXX requesting an approval to remove my PMI and that the turn around time was Wednesay XXXX XXXX. I asked to speak to another manager, she transferred me to XXXX ( not sure of spelling ) his employee ID # XXXX. He was the only one to give me his employee # and ask for him next time if i have any further questions but told me he would call me on Monday XX/XX/XXXX once he hears back from XXXX.
My payments have always been on time, so I 'm in default, just trying to understand why it is taking so long to get this accomplished. This experience has been nothing but horrible and would n't want anyone else to go through this. Looking any help I can get to remove this PMI.
Thank you!
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-08
TX
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-07
Long Beach, CA
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: Freedom Mortgage increased my monthly payment stating I had a XXXX deficit in my escrow account in XXXX XXXX. I refinanced my home with them in late XXXX of XXXX. Since then, they have been unable to give me a clear explanation of why they increased my mortgage.
after speaking to several representatives, it was determined that my insurance was n't paid although it was included and confirmed in the XXXX statement from American title company. I notified Freedom mortgage of this and they said that when they made the payment to the it created a deficit in my escrow account although they collected for the payment in the closeout. I 've been unable to get them to resolve this and every time I call, I 'm, switched between XXXX to XXXX people and have to re-explain my issue every time with no results. Surprisingly enough, my payment is near the same amount as it was before I refinanced a year later. No one can explain that either.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-07
FL
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I have made XXXX significantly sized payments, $ XXXX each, on the mortgage company 's website specifically indicating that the payments were to be applied to the principal. However, in XXXX instances the payment was applied as 'unapplied cash ' and did not reduce the principal of the loan. Thereby, the interest being accrued daily is overcharging me.
On the first instance of the payment I contacted the mortgage company and was advised it would take a day for the amount to be reposted correctly. It did not. Instead it took four days of my checking and persistent calling for the large transaction to be correctly applied against the principal of the loan. Hence, an incorrect calculation of the daily compounding interest went on for four days.
I advised mortgage company at that time I was going to make another payment against the principal. Same outcome. The payment was applied to 'unapplied cash ' and not to the principal of the loan.
In light of these transactions it can only be concluded that there is a systemic problem with Freedom Mortgage company and how they incorrectly handle principal only payments. They do not apply these payments correctly and the debt holder is the one that bears the brunt as they have an over calculated daily interest amount owed. If it had not been for my repeated follow up, I do n't think the payments would have ever posted against the loan principal. How many other consumers may be have had the same issue but did not realize the mortgage company 's improper book keeping that accrues interest in their favor?
An authority really needs to review how this company conducts there business as I suspect there are many others that have had interest over charged on their loan.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-07
Ocean City, MD
Credit decision / Underwriting
Mortgage: VA mortgage
Complaint: I applied for a VA cashout refiance mortage loan from Freedom Mortgage on XXXX/XXXX/XXXX for my home in XXXX MD. Credit, Income, appraisal and all other paper work went through without any issues at first. In my area there is XXXX contamination in the ground water so the EPA installed carbon filters in all the houses in the area as a precaution. They check the water quarterly and also contracted the XXXX water company to also sample the water on a monthly basis. This was the process that was already in place when I purchased my home in XXXX. The appraisal report which Freedom mortage reviewed also indicated the water contamination as well the fact that construction would be complete in XXXX of XXXX to deliver city water from the nearby city of XXXX. The loan underwriter did not mention any issues from the appraisal report which he forwarded to me indicating that the house appraised above the amount that I requested.
A requirement of the VA was to have a water sample done so I contacted the loan officer to let him know that I could provide the EPA and XXXX water test. He indicated on XXXX that they would not be able to do the loan specifically because the VA would not allow it due to the well water contamination. I told him that I purchased the house in XXXX which they knew form my application so why would the VA deny it. He said that I could cancel the loan and reply after the city water was connected to my house in XXXX. I told him that I would lose my {$450.00} paid to the appraiser and {$200.00} for the termite inspection. He said that they might be able to give me a discount when I applied again. At that time I did not know what to do and he said they would put the loan on hold.
I emailed him later that day asking to speak to a supervisor and she told me the same thing that the best they could do was put my application on hold. I contacted the VA with my case # and was told by the VA Representative that is handling my loan that they did not put my loan on hold. I was also instructed to contact back Freedom Mortgage and explain to them to that VA only required to have the water tested and that they could the VA Representative directly. I left a voice mail message and sent an email. I missed a call back from a different phone number that my loan officer and when I called back it went straight to voicemail each time without a recorded message or name. My loan officer has not responded to voice or email in over a week. Please note that each time I did speak with someone the first thing they said was that the call is being recorded and that even though they said my loan is on hold status I have not received any paperwork stating such and no mention about my loan rate which was locked until XXXX/XXXX/XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-07
Phoenix, AZ
Loan servicing, payments, escrow account
Mortgage: VA mortgage
Complaint: Freedom Mortgage cashed my XXXX 2015 check, yet did n't apply it to my loan account. I then received a letter in the mail saying the XXXX payment was late. I called them saying the check cleared my bank on XXXX XXXX. They had no record and I was to send them in the mail a copy of my check being deposited by them. A week after I sent in the check i was called from them bill collecting. I explained my issue, they lady saw my check was received but just sitting on my account. She was going to have to open a ticket to get it applied and assured me it would be applied on XXXX XXXX of when they got my check originally. I called today XXXX XXXX and they applied my XXXX payment on XXXX XXXX! Just got off the phone and now it is going to another XXXX departments to get it applied on the correct date. Very frustrated as I have done nothing wrong yet these people are screwing with my credit.
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-06
Brookside, NJ
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-06
Quartzsite, AZ
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I very respectfully request a throughout review about the below claim against Freedom mortgage. I sincerely hope that it is resolved on my favor.
Freedom mortgage has been reported the credit bureaus XXXX, XXXX and XXXX a late payment since XXXX 2015 which has been brought my credit score gradually very low to the point that I was denied a credit transaction.
I have been greatly affected by this report and have been requesting them several times to fix it to no avail. I am still showing late and my credit score is dropping dramatically. It got to the point that one representative told me to not worry about it that they have all my payments done on time and that was a system mistake. All the times I spoke to Freedom mortgage officers the call was announced to be recorded so I am assuming there are plenty of recording to follow out conversations about my payments that prove I have been asking them many times to fix the issue.
On XXXX XXXX, 2015 I applied for a refinance loan and was declined. The mortgage office told me I had been late in a mortgage payment since XX/XX/XXXX with Freedom mortgage and with that I was automatically disqualified for a mortgage refinance.
I immediately call Freedom mortgage but they seem to not understand what is going on and just keep on saying it is going to be fine but the damage is done and they are not fixing it. Nobody has reached me with solutions either.
I sent the paper work to the credit bureaus but I have not been contacted nor I see any change in my score. My problem needs to be solve with urgency as I am desperately need to refinance a mortgage with very high rate. I am experiencing financial loss due to the false report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-01-06
MO
Settlement process and costs
Mortgage: FHA mortgage
Complaint: I had to make a decision to get my house refinanced due to the unexpected death of my mother 3 months ago. Freedom Mortgage has been my mortgage company for 3 years since I have bought my house and I am finding out the hard way that this is the worst company ever to gone through especially with the state of mind I am at right now. My mother dying 3 months ago forcefully made me have to get my house refinanced to help me out financially because I would had not refinanced my house with just 3 years of being in it. It is been over 3 months now and all I am doing is a consolidation loan not an overly large amount either ... today I am still waiting ... ..the stress of the company because of thier incompetence has almost put me into the hospital. I am still grieving my mom and having to deal with this for over 3 months to be approved because people do not know what they are doing is unacceptable and unprofessional. I was told yesterday my funds would be released again thinking this is finally over with and I just found out they are not. So here again I have to call Freedom Mortgage again and deal with them. This has been a very bad nightmare for me on top of me losing my mom. I have had XXXX aunts that started the same time I did with XXXX XXXX and they have been approved and already received thier funds and closed on their houses. Here it is 3 months and I am still waiting. I would have went somewhere else but I had already invested months of my time into them and was told my file was going back for review going back for review and everything was ok and then something else came back then come to find the underwriter did n't know what she was doing and nobody is on the same page either. I have not talked to XXXX different people since this has started. I finally got approved a couple of weeks ago, which from anyone I talk too even the notary that came to my house said nobody should have to wait 3 months to get thier house refinanced. As if today because an error again on someone 's part from Freedom Mortgage I still have not had my funds released to me to pay off my lenders, which I was told 24 hours and now it will not be 24 hours. I need to bring the company to someone 's attention due to thier negliegence, incompetence and unprofessionalism on thier part. The only reason I even went with them is because they have been my mortgage company for the last 3 years ... ..big big mistake!!!! If you have the opportunity to go through another company do it! I do n't want anyone else to have to go through emotionally what they have put me through!
Company Response: Company chooses not to provide a public response Closed with explanation
2016-01-05
Mount Olive, OH
Settlement process and costs
Mortgage: FHA mortgage
Company Response: Company chooses not to provide a public response Closed with explanation