Date Received: 2022-04-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to losing my job during the pandemic, I have reached out to my mortgage servicer 3 times for help through loss mitigation. Prior to losing my job, I was never late with a mortgage payment. After finding employment at the end of XXXX, I experienced a decrease in my annual income so I reached out to my servicer for help. They closed my case twice due to my account being current. My mortgage was being paid thru a program called Hardest Hit Alabama. I applied for assistance when I was unemployed so my account was current until XX/XX/XXXX. I had to file bankruptcy in XXXX of XXXX BUT NOT ON MY MORTGAGE. IT WAS CURRENT. I only filed on my revolving debt in order to be able to afford my mortgage payments. Again in XX/XX/XXXX I reached out for help thru loss mitigation but my servicer closed my case due to my account being current. I was not able to make my mortgage payments when my assistance with HHA was up in XX/XX/XXXX. I reached out to my servicer again and have gotten the run around since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and I have had a 3rd loss mitigation application in for review since XX/XX/XXXX. As of today, XX/XX/XXXX, the status of my mortgage account says " active loss mitigation '' but an attorney has looks to have initiated foreclosure proceedings. My servicer has never once mentioned foreclosure to me and not once have they tried to contact me. I have contacted them many, many times for information and I am getting the run around. I have proof of everything written in this statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX we decided to refi our mortgage to pay off 2 home improvement loans and 1 medical credit card with closing costs around $ XXXX our refi would be in the $ XXXX range. We chose freedom Mortage out of XXXX, IN and were approved. XXXX XXXX Customer Advocate XXXX was our contact. We selected them because their rates were low and because we know that these smaller mortgage companies sell to bigger banks anyway. To us they are all pretty much the same. We were locked in at 2.75 % Process begins : W-2, taxes, social security income etc. Typical stuff. By XXXX they were telling us they hadnt received any of the documentation, we sent everything again. Appraisal came back, looks great. XX/XX/XXXX they wanted a termite inspection, which we received and sent to XXXX. We went back and forth because he said he didnt get the signed portion of the attachment, they didnt accept the payoff letter from the window company. It went on and on. I reached out to XXXX on XX/XX/XXXX via email telling him we keep getting phone calls requesting information we had already sent and we would like a closing date but he never responded. Later, he called my husband to tell him he needed a XXXX ( we had already sent ) I asked for a received a copy of our appraisal on XX/XX/XXXX. Then someone called us and told us we needed a water test. I emailed XXXX asking why. He never responded. So, XXXX and XXXX talked on the phone, the water test was the very last thing needed and then we could get a closing date for our refinance. We arranged the water test ( {$180.00} ) the water needed to be treated ( {$180.00} ) the company actually explained the water test to us ( XXXX never did ) and it made sense. So after the water was treated and we couldnt use the water, before being tested again ( {$180.00} total cost {$550.00} ) XXXX received a phone call from a man, XXXX, from Freedom Mortgage asking questions about our " closed File ''. Yes, they closed our file, literally " dropped '' it on our refi in the middle of the very last thing needed before we could close the loan. As you can imagine I was beyond angry-I was LIVIDXXXX said oh it looks like you were lost in the cracks ... he said he would see what he could do to get us back to active status and our 2.75 % rate-He later came back and said the best they could do was 4.50 % -he sent my husband a follow up email stating we " declined the offer '' and so here we are today and I am typing this email Also we did get really XXXX with XXXX and sometimes we were angry with these random people working for freedom calling us and wanting documents we had already sent ( I think Ive noted this already in this email ) We have refinanced in the past and never experienced this level of frustration-ever- but with Freedom Mortgage, it was beyond frustrating and I believe they strung us along knowing the rates were going to go up. I will file a complaint with the XXXX too
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. *** *** This is new information only available as of today about a growing concern about the inadequacy of Freedom Mortgage to address the transfer of a mortgage - apparently this is impacting other people too. Again, this is not a duplicate, there is new information updating information previously provided in XXXX. If a human is reviewing this, please do not flag this as a duplicate as it is not, there is new information here. If an algorithm is doing this with no human oversight, then CFPB needs to implement an appeals mechanism when the algorithm is wrong. Again, there is NEW information below current as of today the inadequacy of Freedom Mortgage to address the transfer of a mortgage that per documentation is impacting multiple people *** Early in XX/XX/2022, we received notification from XXXX XXXX XXXX XXXX that our mortgage was being transferred to Freedom Mortgage effective XXXX XX/XX/2022. We called in XXXX and Freedom Mortgage said they had no information in their system about the transfer and that we should call again on XXXX XXXX. We called again on XXXX XX/XX/2022 and Freedom Mortgage said they have no information as of yet about our new mortgage and that we should check again on XXXX XX/XX/2022. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. *** This is highly disconcerting that they don't have information as we have always made timely mortgage payments and done so consistently for several years. Freedom Mortgage said that they would be providing a 30 day grace period on mortgage payments- this sounds contradictory to CFPB 's own guidance of a 60 day grace period when mortgages are transferred. Moreover Freedom Mortgage has not, as of yet, been able to provide even the most basic of welcome letters or information about our loan. By Freedom Mortgage 's own admission they have not officially uploaded the information yet to the loans being transferred to them- which is seriously distressing. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***CFPB should investigate Freedom Mortgage and what is going on here - moreover CFPB should check with Freedom Mortgage 's claim of a 30 day grace period on mortgage payments, shouldn't it be 60 days when a mortgage is transferred? Moreover Freedom Mortgage should provide information, as soon as possible, on how to make the epayments. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***There are already concerns online about other somewhat sketchy practices at Freedom Mortgage- it is very troubling about the company that they have an 82 % " XXXX '' ( the lowest rating ) satisfaction rating on XXXX - XXXX XXXX XXXXwww.freedommortgage.com They have a XXXX out of XXXX stars total - also raising some serious red flags. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for a loan modification in XXXX ( with a former mortgage company ). After Freedom Mortgage purchased my loan and, their modification process was successfully satisfied, it was finally approved in XXXX XXXX XXXX. A Freedom Mortgage representative called me in XXXX XXXX XXXX to share the good news. As she ( XXXX ID # XXXX ) shared the details, I suggested that the new monthly mortgage payment seemed much higher than it should be. Although she initially disagreed, she soon shared that she absolutely did agree, and she committed to " dig in '' to the situation to find a resolution that made sense ( That call and 90 % of the subsequent calls was/were recorded ). She was intentional about asking that I allow her a few days, to afford herself enough time get clarity and subsequently share with me, answers to the questions we both had at that point. She was intentional about promising to call me back by that following Tuesday, XX/XX/XXXX ( I believe that was the exact date ). She did not call me on that day or, he next. I called her on Wednesday XX/XX/XXXX and was told she was out sick. I called on Thursday and Friday of that week as well and was told the same. Between XXXX XXXX XXXX and XXXX XXXX XXXX, I called Freedom Mortgage no fewer than 20 times asking to have my situation escalated to Senior management to get my modification explained, have the numbers rectified and to ultimately activate the agreement. Unfortunately, most of my calls forced me to be on hold for an average of 2-3 hours each call - only to be hung up on or, promised that someone would call me back. But I never received those calls. In XXXX or XXXX XXXX XXXX ( I'm not 100 % sure of the month ) I received a call from a Freedom Mortgage representative who had an aggressively nasty tone. She told me that I had " breeched '' their modification agreement offer and wanted to know if I planned to " keep my home. '' Needless to say ; I was angry, concerned, confused, and disappointed... I explained to that person ( I believe her name may have been XXXX ID # XXXX - I've spoken with so many people at so many times, the exact conversations may be a little off ) that I hadn't breeched anything and that I in fact, had been trying to get back in contact with XXXX or someone in senior management who could rectify what was now a total nightmare, for XXXX months regarding my modification agreement to NO avail.! I asked to speak with a manager, who told me she agreed that the initial person was very rude as well - I then, explained to her ( I believe her name was XXXX XXXX XXXX ) my very long nightmare of a story. She assured me she was going to FINALLY get my situation handled. When I told her that countless representatives had made that same promise over the months and NONE of them ever called back nor could I ever reach them again, she gave me her " personal '' work email address and promised that if I ever needed to reach her while she was working on rectifying this problem once and for all, that should absolutely respond. I emailed her twice with no response. Back at square one regarding speaking to a Freedom Mortgage representative ( a manager at this point ) who could end this five-month long nightmare, I called asking to speak with someone in escalations. I spoke with XXXX ID XXXX ( I believe on XX/XX/XXXX ). XXXX transferred me to XXXX, a supervisor. XXXX also promised to help and never called back. I was told that a Loss Mitigation manager would call me and, that I should call her on that Monday if I didn't hear from the manager- I NEVER got the call and XXXX refused to take my follow up calls to share that bad news. She, much even to the confusion of the representatives I spoke with, literally told them that she was NOT going to take my calls. I spoke with at least 2 additional supervisors who made unkept promises regarding phone calls etc. Within that time frame, it was made clear to me that " representatives '' were " aware '' of my situation and it felt like a decision had been made to allow time to render my modification offer, null. In fact, I was told that my modification approval process would have to start over from the beginning. I shared how unfair and unacceptable that would be given the fact that there are some 20 plus documented phone calls ( most of which were recorded ) where I've been proactively attempting to get this situation taken care of. My primary concern was that the interest rate would be higher than the one offered in XXXX XXXX XXXX ( it should be noted that I began voicing that concern back in XXXX XXXX ). I believe I spoke with a representative in early XXXX who promised to have a manager call me back. I NEVER received a call! I've NEVER spoken with ANYONE who's been able to explain and rectify this nightmare - assuring me that I'll have the rate that was offered to me that could have been activated last year. In the last 5 plus months, I've spoken to no fewer than 40 Freedom Mortgage representatives regarding this issue- with no resolution. Although Freedom Mortgage has never thought enough of me to call me to talk this situation through, I received a modification package at my home on XX/XX/XXXX ( yesterday ). Not only have they not spoken to me but, there are interest penalties that I'm include the six months now, that THEY have chosen to refuse to address and rectify this nightmare but, ( unless I'm missing it ) I have no idea what the interest rate is, whether it's fixed, I don't know anything. But the documents say that the modifications effective TODAY! Of course, I called Freedom Mortgage yesterday, to find out how this is possible with I STILL haven't spoken with anyone. I very calmly explained to the representative who answered the phone that I needed to speak with a Senior level manager given the gravity and time I've been forced to spend on this issue. She found a supervisor, who was also rude to me. She literally " offered '' to notate the system that I had rejected the modification. For easily the 7th time throughout this saga, I was on hold for at least an HOUR AND A HALF - only to finally speak with a supervisor with absolutely ZERO compassion or empathy, who ultimately ended the call because I had the NERVE to be upset... I had been told a manager would call be. It is after close of business the next day and I've not received a call from them. I am convinced that this negligent treatment is a micro aggressive discriminatory practice based on my race. I don't believe there is absolutely ANY way a homeowner in XXXX, XXXX would ever have questions about a loan modification that were never answered, be threatened with having to re-start the entire process with a higher rate and ultimately have a modification sent to their home with no explanation, clarification, etc. PLEASE HELP ME!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Due to my wife 's illness we paused our mortgaged payments from XX/XX/XXXX to XX/XX/XXXX under COVID relief. We were told in pausing our mortgage that we would not incur any interest or penalties in doing so. We were so thankful for this blessing as my wife was ill for over a year, and I transitioned from XXXX XXXX XXXX of 30 years with XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. Once we were financially stable enough to continue our payments we contacted Freedom Mortgage and were told that it would be no problem at all. We would just need to make XXXX payments on time, and then we would be able to skip a payment and then our loan would be modified without any extra charges. Meaning that the late payments would just be rolled back into the loan and the loan would become another 30 year loan without any other changes and it would not be considered a new loan. This is not what happened. When we paused making mortgage payments we owed XXXX when we signed the new loan modification papers we signed a loan for XXXX. We were charged XXXX for modifying this loan and no one from Freedom Mortgage can tell me what this charge is for. They just say you signed the paperwork so that this is what it now is. No one went over the papers we signed. We went by what we were told and were unaware that we would be receiving any charges. I asked several times if we would be charged and were told no. I asked if there were be a va funding fee and I was told no. I am XXXX XXXX XXXX XXXXXXXX from his 30 years of military service and from all of the medical conditions that were a direct result of my service we are now exempt from a VA funding fee. I was told that there is no reason given that the mortgage amount was increased. We signed those papers in good faith that what we were told by Freedom mortgage that due to COVID relief that there would be no interest or penalities accrued during this time. No one from Freedom Mortgage can tell me why we gained an additional XXXX onto our mortgage, but because we signed the papers that no one reviewed with us that is what it is. We need this XXXX, XXXX removed from our mortgage principal as a verbal promise was made that we would have no penalities or interest accrued while our mortgage was paused. This also was not discussed with us when we signed the new mortgage papers. No one reviewed the paperwork with us we were just told to initial and sign to get back on track after our XXXX consecutive payment was made. This is a travesty and is unjust that we are being penalized and additional charges were added, but no one at Freedom Mortgage can tell me why these charges were added, what they are for or anything else. Please help to resolve this immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage loan on XXXX through freedom mortgage. They have switched the person I talk to at least 5 times. I was having trouble understanding one person because of my hearing loss and ever since I told them that they have been dragging out the process. Now they want another appraisal because of holes my dog dug in the yard. I filled in the holes as soon as the ground thawed. It has been one thing after another and it's too late for me to get a similar rate through another lender. They told me this process would be finished XXXX then XXXX then XXXX now it is almost XXXX and they are still holding up the process. The mortgage I have is through the same company. I don't know what to do and feel like I am being discriminated against because of my XXXX. I was just trying to lower my payments. I was not trying to get money from the equity in my home. I can send all my correspondence with them and they record all the phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This started at the end of XX/XX/XXXX when a supplemental tax bill was due and separately, when I spoke with one of their representatives regarding a refinance loan. First, I was under the impression that the mortgage company would pay that, but was not sure, so I sent a message through their website asking for clarification on whether that was the case or if I had to pay it. I sent this on XX/XX/XXXX hoping for a reply in the next couple of days since the bill was due on XX/XX/XXXX but I did not get a reply until XXXX. Since I did not hear from them by XX/XX/XXXX, I went ahead and paid the bill, only to find out on XXXX that they had supposedly sent a payment. Additionally, they informed me that because they paid this supplemental bill, the escrow portion of our monthly payment would have to go up to make up the deficit ( since there is a minimum amount of money required to be kept in the escrow account ). However, to this date, the county tax office still does not have any record of any payment sent by the mortgage company and as such I have requested that our payment go back to what it was previously. They have failed to respond to multiple messages I have sent with this request or asking what is going on with the payment at the county tax office has not received anything. Until yesterday, they had done nothing but simply said they would start looking into it. Then today I discovered that they sent another tax payment for a portion of the supplemental bills ( XXXX installments ), but not sure why that was sent prior to resolving the issue with the XX/XX/XXXX payment, which already included this. Secondly, we were considering refinancing our mortgage and made a call to them in XXXX to see what they could offer. The representative on the phone went through a series of questions and gave me some preliminary numbers. He asked if he could proceed with all of the info I had provided and do a soft inquiry on our credit report, and I said that as long as it was a soft inquiry, that would be ok. A few days later, we received a new loan document package for a loan application that was open on our behalf and noticed that a hard inquiry had been placed. I never authorized this, but they pointed the finger at the credit bureaus and the bureaus pointed the finger back at the mortgage company with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been on the phone for 25 minute trying to catch my mortgage up to date. I removed money from my 403 k plan to pay back past 6 months of missed. freedom mortgage is refusing to take the money and I had asked to fill out a modification several times in the past few months and they said no I can't because I'm behind. I also told them it takes about 30 days for my money to come from my retirement and the last time they had me request the wrong amount and than charged an enormous late fee. I took out extra this time but really need a modification I was out of work due to an injury late in the summer refereeing hockey game at my part time job. The lady at Freedom just refused to take the payment and told me I could only apply for a forebearance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred from XXXX XXXX to Freedom Mortgage. On XXXX I received paperwork ( dated XXXX ) from XXXX about " Notice of Servicing Transfer ''. Today ( XXXX ) I contacted Freedom Mortgage to ask about what amount is due and when. I was told " whatever you paid your other morgage company ''. The rep gave me a loan # and stated that's what I should use for my payment. She ( Freedom Mortgage rep ) then said that my " acount has not yet been moved over '' but that I have until XXXX XXXX to make a payment ' XXXX XXXX is 6 business days from today ( XXXX ). I then asked when would my account be moved over and she said " well our paperwork says by XX/XX/XXXX ''. I asked her if Freedom would notify me when my account IS moved over ; she said no. I told her I was not going to send money to a nonexistent account and asked if I would then be penalized for not paying on time. She said 'no '. So I still have no idea when Freedom will officially have my account and apparently this company- Freedom Mortgage- doesn't know. Freedom Mortgage also says to use their automated system, which I tried to do and everytime I entered my phone #, I get the message " yourinformation is incorrect '' ; it's not. I now suspect this is because Freedom STILL doesn't actully have my account up and running.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i am XXXX, XXXX XXXX, Consumer, authorized representative for the Original creditor, the XXXX XXXX XXXX XXXX. i am submitting this complaint in regards to the account ending in XXXX with FREEDOM MORTGAGE CORPORATION. FREEDOM MORTGAGE CORPORATION is in violation of Title 15 of the United States Codes, in regards to a collection of a debt and extension of consumer credit. They have engaged me with communications that are false, misleading and use obscene language, written with the intent of harassing, annoying and oppressing my NAME, reputation with the credit bureaus, and my mental state. Their contract was originated in fraud due to a lack of full disclosure, deeming the contract null and void. I have sent multiple affidavits to FREEDOM MORTGAGE CORPORATION without PROPER response. I have asked them to explain to me what type of " account '' FREEDOM MORTGAGE CORPORATION, has set up in the name of the XXXX XXXX XXXX XXXX, they have failed to provide a PROPER response. Pursuant to 15 U.S. Code 1693a 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; Pursuant to15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. I am confused as to which I have because the definition of " account '' excludes " incidental credit balance in an open end credit plan. These material facts have been omitted from their Deceptive credit application. This has led to my identity being stolen, my reputation being ruined with the credit bureaus, and mental anguish that has severely impacted my personal and family life. Pursuant to 15 U.S. Code 1631 ( a ) a creditor or lessor shall disclose to the person who is obligated on a consumer lease or a consumer credit transaction the information required under this subchapter. Pursuant to 15 U.S. Code 1635 Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. It is obvious, the intent of the designer and furnisher of this form is attempting to prevent me from making an informed use of my credit pursuant to 15 U.S. Code 1601 by omitting these material disclosures which is a violation of the Fair Debt Collection Practices Act and Truth In Lending Act. This contract shall be deemed void and unconscionable I was also not made aware that it is a possibility that my account could be securitized, bundled together with other credit accounts and placed in the XXXX XXXX XXXX XXXX XXXX and to be sold on the market. The actions of FREEDOM MORTGAGE CORPORATION, are not alone violations of civil laws, they are also criminal as they are guilty of theft by conversion. They have lawfully obtained possession to the personal property/information ( XXXX XXXX XXXX XXXX ) of XXXX, XXXX XXXX XXXX XXXX, and possibly converted the property into funds for their own use and without the individuals permission. It was not possible for me to make this decision as I was not given all of the material disclosures required to establish a valid contract I am demanding a sum of {>= $1,000,000} for FREEDOM MORTGAGE CORPORATION transgressions against XXXX XXXX XXXX, Consumer and the XXXX XXXX XXXX XXXX. I am also demanding all derogatory remarks be removed with the credit bureau, and any other account or TRUST that derives any funds from the XXXX XXXX XXXX XXXX XXXX, be exposed and all proceeds from said accounts due payable to XXXX, XXXX XXXX, Consumer. I expect quick resolution of this issue as it seems to be an ongoing issue with this financial institution. If it is not properly handled they will continue to violate consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A