FREEDOM MORTGAGE COMPANY

2019-09-10

Pinellas Park, FL

Incorrect information on your report

Mortgage: Home equity loan or line of credit (HELOC)

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

Timely Response

2019-09-09

Moapa, NV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I refinanced my mortgage with a different company and my old mortgage was paid off in XX/XX/2019 with Freedom Mortgage. I am trying to understand why they have not sent my reimbursement for over payment and additional escrow funds that were in my escrow account at the time of payoff. I have sent them an email 2 times with no responses. First was sent on XX/XX/XXXX just for an inquiry and amounts. I called last week and the lady said it takes 2 weeks to see left over amounts owed back to consumer. I sent another email on XXXX and no responses. All I want to know is how much is owed back to me and when I will see this refunded?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-09

Davenport, FL

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

Timely Response

2019-09-09

Antioch, CA

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

Timely Response

2019-09-08

MA

Trouble during payment process

Mortgage: VA mortgage

Complaint: I have been making two payments towards my mortgage so I can pay less interest and pay off my loan faster. I have called Freedom Mortgage multiple times to ensure it was being applied correctly and each time the representative tells me they are not allowed to discuss this with me which I thought odd. I have realized that my access to forms online and the paper statements aren't really reflecting that I am paying down my mortgage faster and decreasing interest as I have intended. I recently saw my first of two payments is listed under " Posted to Suspense ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-07

Norwalk, CA

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

Timely Response

2019-09-06

Fairburn, GA

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

Timely Response

2019-09-06

Fort Pierce, FL

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

Timely Response

2019-09-05

Lexington, KY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Complaint: Was contacted by freedom mortgage to complete a streamline refinance. Was assured there would be zero fees associated with the process ( several emails assuring this ). First documents that were sent had incorrect payment amount-and had closing fees tacked onto loan. Emailed representative back and he stated he would reach out to the processor to get fixed. New representative stated there was an issue with CAIVRS and could not complete loan. Called previous representative who did not know why this was being communicated to us as it was incorrect information. Reached out to HUD and was told there was no issue and no alerts were showing. Called representative back and he stated he had not spoken with the processor. Asked if he had called And spoken with loan processor and he said no and that he had emailed. Asked if he could call and he said his supervisor could. Asked to speak to supervisor and was told he was busy. Received another email from Loan processor stating application was incomplete because of the cavir alert.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Jupiter, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Attention : XXXX XXXX XXXX Director Customer Service Freedom Mortgage FAX XXXX XXXX First of all I wanted to thank you for personally taking care of my situation. I appreciate your response listed below to the Consumer Bureau. And As per your request Ihave attached the certification that I have had no damage or claims in my home since I purchased it in XXXX. But additionally and unfortunately I have to continue with my complaint as Freedom Mortgage once again has done the same mistake. You fixed and refunded the lender placed insurance of {$2400.00}. But now WITHOUT PREVIOUS NOTICES they have now placed the same lender placed insurance but from XX/XX/XXXX to XX/XX/XXXX. Again, under FEDERAL LAW I did NOT receive any notices of this until XX/XX/XXXX. I have attached all the paperwork for you. Please try to resolve this matter. I placed insurance from XX/XX/XXXX to XX/XX/XXXX. Anything before this I NEVER authorized and I was NEVER NOTIFIED back in XX/XX/XXXX. Please try to fix this problem with a refund and cancellation and I may need a new ESCROW ANALYSIS. Company 's Response XX/XX/XXXX Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Re : Your Complaint to the CFPB Complaint # XXXX Dear Ms. XXXX : We have reviewed your complaint and researched the issue regarding the lender placed insurance premium. Our records indicate that the insurance policy with XXXX XXXX was canceled on XX/XX/XXXX per your request ( see attached ). This policy was originally effective for the period of XX/XX/XXXX to XXXX. We did not receive an updated hazard insurance policy until XXXX, XXXX which was effective XX/XX/XXXX to XX/XX/XXXX and this policy did not cover the period of XX/XX/XXXX to XX/XX/XXXX. Since we were only able to obtain a retroactive policy for no more than one year, lender placed coverage was placed for the period of XX/XX/XXXX to XX/XX/XXXX in the amount of {$2400.00}. We did find that you were not notified of the issue in XX/XX/XXXX when the cancellation occurred. Our loan notes indicate that our insurance department did speak to you on XX/XX/XXXX and XX/XX/XXXX and advised you that the policy was required. However written notices were not provided until XX/XX/XXXX. In view of this, we will refund the {$2400.00} to your escrow account. We have reanalyzed your escrow account including the refund of the insurance premiums to your escrow account. Your new payment effective XXXX, XXXX will be {$1800.00} per month. We would ask that you certify that there have been no claims or damage to the property during the gap period. We have provided the attached certification which states that there are were no claims or damage to the property for the full gap period of XX/XX/XXXX to XX/XX/XXXX. CONSUMER 'S NEW COMPLAINED dated today XX/XX/XXXX Freedom Mortgage did comply to my request, however they made the exact same mistake again and applied retroactive insurance from XX/XX/XXXX to XX/XX/XXXX WITHOUT SENDING ME ANY NOTICES. I request please that I get this insurance cancelled in the amount of {$940.00} and be refunded to my escrow so my mortgage can go back down to what is supposed to be since now because of this my shortage has increased. Again, I did not receive any notification about this insurance back in XX/XX/XXXX this year. The first notification I received was XX/XX/XXXX making the insurance retroactive. Under FEDERAL LAW, after XX/XX/XXXX it is ILLEGAL to place a lender-placed insurance without WRITTEN NOTICE 45 day prior to the placement of the insurance. My first warning for this was a letter from XX/XX/XXXX. I have called several times and spoke to many people, the last person that took care of this matter for the {$2400.00} was : XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX e-mail : XXXX Fax : XXXX Maybe he can fix this new mistake. Thank you so much, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

PA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I made a payment on XX/XX/XXXX and freedom mortgage didnt post the payment till XX/XX/XXXX and they also charged me a property inspection fee, they claim this was done because the account was 30 days late, it was not paid thirty days late and I explained that and they are billing for this service which should not have been done, I need to get a new servicer from the fha freedom mortgage is not a good servicer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-03

Winthrop, WA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-01

Rocky Ridge, MD

Trouble during payment process

Mortgage: VA mortgage

Complaint: Made a principal payment on my loan ( {$500.00} ) to be effective XX/XX/2019. Freedom Mortgage put the funds into an " unapplied '' account and did nothing with the funds until XX/XX/2019 XXXX the date my regular mortgage payment for XXXX went through ). Sent Freedom Mortgage a fax about this ( as they don't take questions about things like this over the phone ) on XX/XX/2019. Asked Freedom Mortgage to adjust the principal payment date to XX/XX/2019. Got a response, dated XX/XX/2019, which agreed with my assessment that the principal had not been applied correctly, and then stated that I should have written a more specific note on what to do with the funds on my check. This is very strange as I called in the mortgage payment and made it over the phone with a Freedom Mortgage employee. So, Freedom Mortgage implied that they were confused about the payment date for a spurious reason and then did not offer any resolution. Freedom Mortgage simply took several weeks to send me a letter informing me that they agreed with my assessment of what happened -- and then made no offer to do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-31

Palm Desert, CA

Applying for a mortgage or refinancing an existing 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

Timely Response

2019-08-30

MS

Trouble during payment process

Mortgage: FHA mortgage

Complaint: This mortgage loan, account # XXXX was originated by my deceased brother, XXXX XXXX XXXX, loan documents and Deed of Trust were executed on XX/XX/XXXX and he took possession of the home shortly thereafter. XXXX was diagnosed with XXXX three months later, and then passed away on XX/XX/XXXX leaving me as the sole beneficiary and executor of his estate. I immediately notified Freedom Mortgage of my brothers passing, as well as notice that I was the soled named beneficiary, and as such the rightful heir to the subject property as well as being named the Executor of his estate. Shortly thereafter I provided Freedom Mortgage with a certified copy of the death certificate created by the State of Mississippi, followed shortly thereafter with the Letters Testamentary as signed by the XXXX Court for XXXX County in the State of Mississippi, thus completing all necessary compliance with initiation of the probate of my brothers estate, and notifying Freedom Mortgage of the legal record of address to send all documentation to the Estate of XXXX XXXX XXXX. During the two plus years since my brother has passed away and I as the Executor of his Estate have been making the monthly payments on his mortgage loan, purchased by Freedom Mortgage after originated by XXXX XXXX XXXX and closed at the end of XXXX, I have been provided now four different PO Box addresses in which to submit payments to, including one in XXXX IL which three checks were sent over a period of four months from XX/XX/XXXX through XX/XX/XXXX and which were in the amount to pay the balance of the XX/XX/XXXX payment, the payment which was the center of a CFPB complaint in XX/XX/XXXX, as well as the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments in full, along with overages in the event of what appears to be normal and repetitive unknown fees which attach to the loan on a regular basis. Upon receipt of my third Qualified Written Request and Notice of Error sent CMRR after the first two were mailed via USPS and were not answered whatsoever, and my submitting of a complaint to the Consumer Financial Protection Bureau, I finally received an answer to my requests, and the justification at the time for continuing to report the XX/XX/XXXX payment as late, even though Freedom Mortgage had received the official check from XXXX XXXX, and it had long since cleared the bank, was that more of those repetitive, and unknown fees had been applied to the account, even though it is documented by payments and clearing of official bank checks that the loan was never late. I did not agree with their summation regarding the XX/XX/XXXX payment which was paid in full, however in the effort to possibly and finally get an accurate reporting of the loan and to move forward and hopefully have the accounting correct, I agreed to send the purported deficient amount created by the unknown and repetitive fees assessed to the account. In doing so I once again sent a certified check from XXXX XXXX for the amount of {$1300.00} in XXXX which would cure the created insufficiency of the XX/XX/XXXX payment as well as make the XX/XX/XXXX payment in full. This check was sent to XXXX XXXX XXXX, XXXX, IL XXXX as instructed by Freedom Mortgage after my receipt of the results of the third QWR sent CMRR. Then in XXXX another check was sent for the amount of {$1000.00} drafted off my joint account at XXXX XXXX in Mississippi for the full and complete payment of the XX/XX/XXXX due date, as well as an overage, once again in the event of unknown fees, this check was also sent to the aforementioned XXXX IL PO Box as instructed by Freedom Mortgage. Then the first of XXXX, a third check in the amount of {$2900.00} was sent via official check drafted on one of my accounts at XXXX XXXX, MS and was for the full and complete payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, plus an additional overage in the event of the repetitive and unknown fees that seemed to be routinely assessed to the mortgage loan. This third check was also mailed to the XXXX PO Box as instructed by Freedom Mortgage. Approximately three to four weeks after sending the third check for the payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my youngest brother, who has been occupying the subject property for going on a year now informed me that he had received a notice from XXXX XXXX XXXX, the foreclosure mill for Freedom Mortgage, and that the home was in foreclosure and the letter was to provide notice of potential vacating of the subject property once Freedom Mortgage assumed the Deed of Trust via foreclosure sale. At that time I immediately called Freedom Mortgage and spoke with a representative named XXXX, ID # XXXX and told him about the notice and questioned its being sent as three checks had been sent over a period of four months with the amount to pay payments in full through XX/XX/XXXX which payment was not even due yet, along with overages in the event of the normal Freedom Mortgage fees that continue to be assessed without notice. When asked where I sent the payments, I told XXXX, ID # XXXX, that I was instructed by Freedom Mortgage to mail them to the referenced XXXX IL, PO Box , which XXXX said, ooops, that is not an active PO Box , the payments should have been mailed to a XXXX CA address, the 4th PO Box address I have been instructed to send payments to. I was also informed that there was no mechanism in place for payments sent to the XXXX PO Box to be forwarded to Freedom Mortgage. I informed XXXX, ID # XXXX that this issue was created by an error by Freedom Mortgage, but that I would go to XXXX XXXX, stop payment on the checks and get checks re-issued for the same amounts as the ones previously sent to the XXXX PO Box on instruction of Freedom Mortgage, and that if the account had been placed in foreclosure due to an error on the part of Freedom Mortgage, that it needed to be corrected, and any and all foreclosure activities should cease. As I agreed, I went to XXXX XXXX and stopped payments on the checks, fees I incurred based on the error by Freedom Mortgage in the instruction to send payments to a purported inactive and non functional PO Box in XXXX IL, and I got the three checks in the exact amounts re-issued and sent them to the overnight address listed by Freedom Mortgage in XXXX IA, receipt of delivery I have in my records. Three weeks had passed since sending the checks and receiving proof of delivery when I started to get Foreclosure notices sent to my brother, heirs of my brother, occupant of the subject property both via USPS and later CMRR via USPS. At that time I called and spoke to someone in the loss mitigation department at Freedom Mortgage and was informed that the checks had been received, but Freedom chose not to apply them as they totaled {$5200.00}, which was sufficient for the principal and interest due on the loan, but not enough to cover P and I as well as attorneys fees, and all other normally and routinely assessed fees by Freedom Mortgage. I notified the representative that there was approximately {$600.00} in a non applied bucket account and that that brought the total to {$6000.00} and that was only {$200.00} short of their purported reinstatement amount including all attorneys fees and other fees, and well over the amount to pay the P and I due on the loan. The representative informed me that there was no money in a bucket list, and it must have been used for MORE of the continuously occurring fees, and that the account had been sent to their attorneys to proceed with the foreclosure sale. This is now the second time that checks have disappeared into the black hole of accounting at Freedom Mortgage to sit for weeks at a time, even beyond a month, and then returned after a default was created on the note and the account was placed with their foreclosure mill to drive up additional fees. This is also the second time that there has been NO Notice of Default and Acceleration of the Note sent to me at the legal address of record for the Executor of the Estate of XXXX XXXX XXXX, nor at the subject property address. This is in direct violation of HUD requirements, as well as the Deed of Trust itself. There has been no notice to meet face to face, no notice of my legal options, and the only mention of a reinstatement amount is a notation on the regular monthly mortgage statement. This default, the second one created by Freedom Mortgage on this account is one created based on the error made by Freedom Mortgage regarding its instruction on where to send payments. Interestingly as well, the third and final check, in the amount of {$2900.00} sent the first of XXXX was returned to me two weeks ago with a notice that the check was insufficient to reinstate the loan. The first issue here is that I was informed that this PO Box address was not active, yet this one check seemed to be forwarded or received by Freedom Mortgage, second at the time the check was mailed and received by Freedom Mortgage, even without the processing and application of the first two, still remaining lost checks, the third check had it been applied in a timely manner would have brought the loan to only 60 days late, and that is without the XX/XX/XXXX payment being correctly applied, which would have made the note only 30 days late. It is apparent that Freedom Mortgage is completely incapable of servicing the vast number of loans they have purchased, and have a payment processing system that is abysmal at best, and lastly seems to place more focus on applying fees whenever and for whatever they can verses correctly serving a loan, not to mention a comfort with creating defaults and placing loans for foreclosure with their foreclosure mill, XXXX XXXX XXXX, a chance to create more fees and all for the bolstering of their bottom line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Freedom Mortgage, my homeloan service provider made an unauthorized modification to my home loan mortgage by updating the address to an incorrect and unidentified mailing address that was different from the primary residence and property on the mortgage. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. Upon multiple calls I found out a loan modification was made by entering incorrect mailing address without borrowers permission. All written notices since were sent to the incorrect address causing the loan to default and start of foreclosure proceedings. The wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-26

Wattenburg, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Loan Servicing Issue : I have an insurance claim from Hail Damage to my home. Mortgage provider required numerous documents in order to approve a contractor so they may make the needed repairs. The required paperwork was submitted and received in XX/XX/2019 as confirmed by the website they use to upload the documents. I get a phone call claiming the paperwork was approved and they will issue a check addressed to me and the contractor. Two months go by and I make attempts to get a status to no avail. I finally get a phone call from a representative the w/o XX/XX/XXXX that confirms all the required paperwork was received ( again ) but they want a termination letter from the prior contractor that I didn't move forward ( zero costs incurred, I fired the contractor due to their inability to follow through with documentation on the work they WOULD be doing ) with and I terminated the agreement in writing, of which, they confirmed, in writing. I then, sent this termination correspondence to the lender and to-date ; don't have a reply. Additionally, I have submitted written correspondence through the same website to document attempts to get a status. The delays have caused damage to the inside of the home because the roof is damaged from the hail and I can not get approval to begin repairs. The negligence is significant on behalf of the lender - I will no longer stand by and allow them to manipulate a process they create and then simply ignore and abuse it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-25

Bohemia, NY

Trouble during payment process

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX I requested and was promised a VA mortgage payment of {$2200.00} monthly by XXXX XXXX XXXX ( XXXX ) out of XXXX, NY. This included taxes and insurance. I was told the taxes would be around {$14000.00} a year. The insurance would be around {$2500.00} a year. These numbers were estimates but proved to be accurate. The house cost {$310000.00}. We borrowed {$330000.00} with {$20000.00} down payment. The house was damaged in super storm XXXX, the lower level needed extensive work. The house had no heat or hot water. No washer/dryer. The lower level had no walls, floors or electricity. The lender ( XXXX ) requested access to the house to hide the damage and was given permission. They said the VA might want to inspect the house and would deny the loan if they saw damage. They covered the walls with paneling and the floors with linoleum. It looked okay. They wanted me to pay for this. After extensive background checks we closed on XX/XX/XXXX. At the closing we were told the VA loan was denied and we were offered an FHA loan for $ XXXX monthly payment. No warning of the change was provided. We accepted this loan under protest. The additional {$300.00} would be hard for me to pay. I immediately began working on the house. After 7 months and {$40000.00} more invested we moved in. Almost one year to the day I was called by Freedom Mortgage ( they acquired XXXX XXXX XXXX after my closing ) and was told there was some miscalculations with my loan and my monthly payments were going to be raised to {$3300.00} per month. An {$800.00} increase. There was nothing they could do. I was destroyed. I could never afford that payment. I would have never been approved for that payment. I tried calling my mortgage broker, XXXX, she was let go after the takeover by Freedom Mortgage. Since that phone call from Freedom Mortgage in XX/XX/XXXX, I have been fighting to stay in this house. I have worked with 3 different law firms. I am currently in a financial assistance program with Freedom Mortgage. They told me last month my request is denied. They want me out. My next/last court date is scheduled for XX/XX/XXXX. See attached. After going back and reviewing the closing documents, I discovered the taxes were estimated at {$300.00} per month. See attached 1st payment due has taxes and insurance estimated. That is wrong. I believe they were intentionally lowered to get me approved. After one year they were corrected to {$1200.00} per month. That is the {$800.00} increase that I could never afford. They did this to me knowingly. They say they have no record of my closing or my first year payments. I have provided them documents to support this and they still say no. They don't believe me. I have attached my 1st 3 payments. I made this exact payment for one year until the mortgage was increased to {$3300.00} After that I could not afford the increase. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-25

Long Island City, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I'm writing this letter to seek assistance regarding a recent unfair, and in my judgement, unlawful treatment I experienced at Freedom Mortgage. I was referred to XXXX XXXX XXXX XXXX by one of XXXX XXXX XXXX. We met at a XXXX XXXX XXXX on XXXX XXXX, NY on XX/XX/2019. XXXX XXXX glanced over our tax returns, pay stubs, bank statements, w-2 's, etc. He immediately, verbally, approved us for around XXXX without putting any information/ figures into his computer. He stated he would send out our pre-qualification letter next day. He then told us what differentiated him from other big lenders was the ability to waive ALL fee 's associated with closing cost except state fee 's and taxes. After a few months of house shopping we finally found the one. On XX/XX/2019 we met with our attorney and received an estimated closing cost of {$27000.00}. On XX/XX/XXXX, we were in contract and reached out to XXXX to begin the mortgage process. We sent out all requested documentation. On XX/XX/2019 we received a closing cost worksheet, from XXXX, around {$27000.00} as we expected. Through out the two months our mortgage was being worked on, XXXX disappeared. We were left in the dark. We were expecting a walk through during this whole mortgage process with updates as needed. We were consistently writing emails and texting to find out what was going on. It was very difficult to get a response and if we did, it was a one word answer. Around mid XXXX we spoke with XXXX again double checking our closing cost fee 's. He reassured us it would definitely be a lot less than the {$27000.00}. Now it's XX/XX/XXXX and we receive an email from XXXX about origination fee 's costing 1.529 % and we are locked at a rate of 4 %. We are due to close the XXXX of XXXX. Our closing cost fee jumped from {$27000.00} to {$39000.00}. {$12000.00} more than we anticipated. This was very alarming. We referred back to our commitment letter and the origination fee to Freedom Mortgage was only {$1200.00}. This was a very distressing experience as first time home buyers. It was never explained to us what locking a rate meant and when it was a best time to do so. It was never explained to us we would incur a {$10000.00} origination loan fee nine days before our closing date. I feel XXXX had an moral obligation to disclose all fee 's up front. He robbed us from the opportunity to compare prices with other lenders, robbed us from the excitement of owning our first home, robbed us of our rights. I did some research and I see there are laws in place to help protect consumers like myself against deceitful, untrustworthy mortgage officers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-25

Clarkesville, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: My wife and I are both XXXX vets. Our mortgage was sold to freedom mortgage from another company. Freedom mortgage never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX and has come out the first of every month. We have confirmed this with bank statements. Freedom mortgage has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and 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

Timely Response

2019-08-24

Coalinga, CA

Incorrect information on your report

Mortgage: FHA mortgage

Complaint: I logged in to make my mortgage payment, however, their website was non working when I would hit the make a payment option. I would show up as loading for long periods of time and wouldn't go anywhere. When it finally took my payment, it was minutes after XXXX XXXX. I made the payment before midnight, but they still marked my payment as a 30-day late. The payment was submitted before XXXX. I contacted them and explained the situation and the trouble I had with their page while making my payment, but they said that they couldn't do anything about it, and that I would have a late payment reported to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

WI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX I received an escrow analysis. The company showed a shortage and is attempting to increase my mortgage payment by about {$250.00}. The reason there is such a significant increase is due to the company paying my property taxes in full versus bi annual installments. They were paying in full because in XX/XX/XXXX I found they failed to make my tax payment putting me delinquent in my tax payment. I contacted customer service to have my taxes changed to bi annual payment and a new escrow analisys completed because of the original company error. This contact was made on XX/XX/XXXX. I was informed that the payment could not be changed because my county offered a discount for full payment. I contacted my county, this was a lie. I called again and it was escalated to a manager that followed up and said I would receive a letter sometime in XX/XX/XXXX or XX/XX/XXXXand I could change to bi annual payments at that time. Finding this unacceptable is called again. Representative XXXX said she would look in to it further and call back within 48 hours. No call back. I again have hours into fixing a problem created by this company and have no answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Green Bay, WI

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

Timely Response

2019-08-22

Sierra Madre, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Mortgage lender adjusted estimated amount needed for escrow-did not provide one-time payment option. Mortgage lender did not timely process the request for escrow removal from the account. Mortgage lender then treated timely auto-payment as insufficient and did not apply to principle and interest of loan. Despite having been contacted via telephone by borrower claimed payment received over 30-days late to credit agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-22

Rochester, NY

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

Timely Response