Date Received: 2021-12-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My home was appraised on XX/XX/2021. Freedom Mortgage has stopped responding to me and has not given me a copy of my appraisal. I've called and emailed with no response. My primary issue is I need the appraisal so I can work with a different company and I shouldn't have to pay for another appraisal. I was supposed to close on my loan today ( XX/XX/XXXX ) but my file is reportedly still in underwriting. It's been one issue after another with this company. I started the process on XX/XX/XXXX. I can't get any response on any topic from the loan officer or the customer service advocate. I have no idea when I might have a closing date. This is hands down the very worst experience I've ever had with any company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My dad is XXXX, so I am paying the mortgage on his house. Every time I call Freedom Mortgage to pay, they come up with some new problem, and at this point, I'm wondering if it's intentional or if there is some type of scam happening. I paid the XXXX mortgage on XX/XX/XXXX and the XXXX mortgage on XX/XX/XXXX. The money was taken out of the same account both times. However, when I called to pay the XXXX mortgage on XX/XX/XXXX, they stated that they never received my XX/XX/XXXX payment and the Bank told them the account was closed. Which is not true, because they took the money out of the account, and they took the same amount out of the same account on XX/XX/XXXX, so they know the account isn't closed. Also, I talked to the bank and they said they never told them the account was closed and verified they sent the money ( as it shows on my XXXX statement ). So, now Freedom Mortgage has the money for the XXXX mortgage, they just won't give me credit for it and gave me a ridiculous story about why not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After the death of my husband I tried to make a modification on my house mortgage. they asked for documents and I sent them by fax, then they sent me a letter saying wait for 30 days. I called because no answer, then send me an application to put another person as collateral and I did it after that I do not have any response... new application packages got en the mail ; application I had already filled before, even so I filled them and sent them.. then nothing at all then the pandemic came and now they just send me a letter from a lawyer to start a foreclosure? this company is not serious and I feel I have been discriminated against and they want my house even though I send documents showing that I am able to make a MODIFICATION and pay the mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am a current customer of Freedom mortgage and requested a Cash out refinance back in XXXX of 2021. They asked me to provide a {$300.00} deposit for an appraisal which I did back in XXXX they indicated that I would be refunded the {$300.00} if anything happened and the refinancing did not go through because of the incompetence of their customer service department they did not get the paperwork processed in time on XX/XX/2021 on their form I requested a refund of that {$300.00} they indicated it would take 10 to 14 business days for it to show up in my checking account today is XX/XX/XXXX and after numerous emails back and forth about this {$300.00} I am still yet to receive it. I have copied the emails and attach them for your perusal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. FREEDOM MORTGAGE CORP Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX. I immediately disputed this information with FREEDOM MORTGAGE CORP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Freedom Mortgage ( NMLS ID : XXXX ) recently ( Freedom began to accept any payments after XX/XX/21 ) took over servicing my VA loan from XXXX XXXX ( NMLS ID : XXXX ). I mailed my first payment to them and they received it on XX/XX/21. On XX/XX/21 I began to receive sales calls disguised as customer service calls. I answered the first XXXX and listened to the guy give his intro and when I realized it was the new mortgage company, I hung up. I had already sent payment and didn't need any information from them so I assumed it was a sales call to get me to refinance. He immediately called back, which I ignored, but listened to his voicemail. He also sent an email ( also on XX/XX/21 ) stating this : My name is XXXX XXXX and I am your loan advisor for your home loan with Freedom Mortgage, which was recently transferred to us from XXXX XXXX XXXX. I am trying to contact you regarding your account with us, and left a message for you at ( my phone number ). Please reach out to me at your earliest convenience at ( his number ), or respond to this email with a good time to call you. I look forward to hearing from you. Thank you XXXX XXXX Team Leader, Sales Producing His signature is what told me this was definitely a sales call rather than an actual attempt to assist me with my loan. I immediately went online to look up their main number, called it and was able to get my loan number and confirm they received my payment via their automated system. It gave no options that I could find to actually get to customer service ( you can, it's just either buried at the end of the IVR or requires you to smash 0, but only within certain menus as I was smashing zero pretty much the entire call ). I then sent an email back to the agent stating this ( I'll admit I was being a jerk, but I was frustrated ) : Hi XXXX I'll cut to the chase. I hate sales and marketing. I don't need a sales pitch. The loan is 6 months old. So unless you are going to reduce the interest rate below 2.75 % AND ( this is key here ) cover all closing costs so that I pay XXXX out of pocket, I'm not interested. I've already set up my online account and your company has received and cashed the check for XXXX 's payment so I think I'm all good. I'll continue to make payments either online or via mailed checks ( no app, are you guys living in the 90s? ). Please remove me from all marketing and sales email and call lists. I appreciate you reaching out, but for me, when the loan transfers I prefer to have a seamless transition where I speak with no one and can immediately access the account online. Thanks for the call and email and have a happy holiday season! Again, I want to reiterate that all voicemails received ( XXXX so far ; XX/XX/21, XX/XX/21, and XX/XX/21 ) didn't not specify what they wanted exactly, but rather left vague references to assisting me with my loan ( which I didn't need as I had already set up my online account and made my first payment ) and their email was the same. I figured maybe that would be the end of it. Nope, he calls again on XX/XX/21, I recognize the number and ignore again, but listen to him give the same salesy pitch in the guise of helping again. I leave it be as I figured maybe it takes some time to process my request to be removed from their marketing and sales lists. Then he calls me again today to which I again ignore it, but listen to the exact same vague message to assist me. Now I'm XXXX. I immediately find the customer service number again and call in. I go through the prompts trying to find my way to a service rep. Finally, one of the menus worked when smashing zero and it takes me to a wonderful rep who validates my information and asks what I called in a about. I tell her I have a sales rep keep calling me and I want it to stop and she immediately says she will take care of it. She said that it was someone from their refinance team ( as I had already assumed at this point, but had not confirmed until now ). I thank her and we end the call. I opted to do their survey to which I gave the service rep a glowing review as she did great and I left them some comments about the shady practice of calling recently bought loans ( that closed on current loan only XXXX months before ) to get them to refinance. After this call ends and I do the survey I check my email and now see I have another survey about the onboarding experience. What? Onboarding you say? Oh you mean the aggressive sales calls disguised as a helping hand? It basically asks if you received a call to review your loan to which I say yes and then it asks you if you got various information ( how to set up account, make payments, etc ). to which I say no, because I never actually took the call. I was able to figure this out on my own ( which I know not everyone is and would likely take these sales calls, hence me reporting this shady practice ) and already had an account set up and made my first payment. The survey asks how likely you are to recommend Freedom Mortgage to family friends on a scale of 0-10 ( I'm sure you're stumped at this point as to the score they got ). The actual email is only signed by " XXXX XXXX XXXX ''. So who actually does the onboarding? Customer service or sales? Are they same thing? Are the comingled, but still have divided duties? I don't really care, but I don't want to take sales calls on my XXXX-month old loan and I don't think any one else in a similar situation should either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortage company has sent me three annual escrow analysis statements all three times increasing my monthly mortage payments. If this is suppose to be an annual occurrence why has it occurred three times in one year? I've called multiple times and can't get a resolution or can anyone tell me if this will keep happing more then once a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I previously submitted a complaint for this matter onXX/XX/2020 ( # XXXX ) in an attempt to get the inaccurate and ONLY XXXX mortgage delinquency corrected on my credit reports for the XX/XX/2020 payment that was NOT made 30 days late and was told then it would be taken care of. I made the XX/XX/2020 XXXX online onXX/XX/2020 and accidently checked the incorrect box to pay ALL late fees ( {$530.00} ) plus my mortgage payment ( {$1500.00} ), which totaled {$2000.00} and that amount was thus deducted from my XXXX XXXX checking account. Realizing the error and the fact that I did not have those extra funds at that time for ALL late fees, I contacted Freedom Mortgage immediately to request reversal of the late fees only of {$530.00} ( not the funds for the payment ), which I was told they would refund and which was also stated would be done in the company 's response to the prior CFPB Complaint on XX/XX/2020 made by XXXX XXXX XXXX, XXXX of Customer Service for Freedom Mortgage. However, instead of doing what they promised and committed to in writing ( and what I requested ), they instead refunded the ENTIRE payment of {$2000.00} back to my account and showed that they did this onXX/XX/2020 on their online account portal and then proceeded to report me 30 days late for the XX/XX/2020 payment as a result of THEIR ERROR in returning the incorrect amount. Further, the refund was not issued until until XX/XX/2020 per the mortgage statement copy attached dated XX/XX/2020 and did not hit my XXXX Federal account untilXX/XX/2021, at which time I immediately sent back the funds sent back to me in error by Freedom Mortgage to cover the payment and was told by the customer service advocate I spoke with would take care of being sure I did not get reported late for the XXXX payment due to the error in refunding the incorrect amount. I then made an additional payment onXX/XX/2020 to cover the XX/XX/2020 payment as well. Despite all of my repeated disputes to the credit bureaus in an attempt to correct this fiasco and incorrect reporting of my account, Freedom Mortgage still insists on reporting that payment 30 days late, despite the fact that I have NEVER had any other late payments in the almost 4 years I was with their company. Not one single late payment. I have an exceptional payment history, and this negative XXXX late payment for my mortgage due to their error does not accurately reflect my historical credit worthiness and has significantly unfairly damaged my XXXX XXXX and I have suffered credit denials, as well as other financial damages as a result, not to mention the mental anguish of trying to get this resolved repeatedly over the last year and a half of my life. Running out of other options, I have recently consulted an attorney who advised me to try one last time to get this matter resolved amicably through the CFPB engaging him to bring a FCRA violation lawsuit against Freedom Mortgage for this matter and sue for damages and attorney 's fees I am entitled to under said law. So, this is my absolute LAST attempt to try and get Freedom Mortgage to review this unusual situation, consider my PERFECT payment history with them, and do the right thing once and for all and correct my credit report by deleting this ONE and ONLY XXXX late payment still showing on all XXXX credit bureaus. I have suffered unfairly and severely as a result of this situation and my credit worthiness is certainly NOT being reflected accurately. This is a very simple matter for them to correct considering the very unusual and extenuating circumstances in this case. Again, I have a PERFECT payment history with Freedom Mortgage for every other payment both before and after this, and request that this be corrected and deleted from my credit reports immediately. I feel that is a very fair request. I have attached numerous pieces of supporting documentation to support my case and request. I do not wish to have to file a lawsuit against Freedom Mortgage but if this is not corrected I am left without other options and absolutely will be doing so promptly. I can not continue to suffer unfairly due to this error. The payment was made on time on XXXX XXXX XXXXXX/XX/XXXXas reflected in supporting documents, and it was not my fault that the company refunded the incorrect amount in error, but am the only one suffering since then as a result of this incorrectly reported delinquency. I am aware under the law that they are NOT REQUIRED to report anything to any credit bureaus, but instead choose to. They can also remove items of their choice as well to accurately reflect a consumer 's credit worthiness when errors such as these arise. Hoping that happens and we can all move forward accordingly with this matter behind us and no lawsuit will be necessary to have this corrected. This has been absolutely horrible to deal with and hoping this is the end one way or the other. I have to get my credit restored as it should be. I have a perfect payment history and am very diligent to pay my bills on time every time. If there is anything further needed from me, I am happy to supply it. Please let me know. I am more than happy to provide my XXXX XXXX bank records, if needed.
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: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi so to make a long story short back in XXXX my mortgage company decided to pay my taxes annually. This happened to many companies all of a sudden which made it seem as if my balance in my escrow would be - almost {$4000.00}. The only option I gave me was to send a payment in full or take the mortgage payment of almost {$300.00} more. They did not give an option they did this because the 2 percent savings by paying it annually. They did it again in XXXX and now again XXXX and 4 next year. I got nervous that something would happen back in XXXX and they gave me the option of paying it over 36 months I believe. My town does not require XXXX they require quarterly. That being said they would only money and my mortgage payment would be much lower. I started fighting again with them back in XXXX about this and I keep getting the runaround they're talking about my mortgage insurance and about my fire taxes and they keep stating they pay my annual taxes annually for my town I have told them over and over again it can be paid quarterly and I do not want them to pay it anyway. I feel as if this getting pushed out because the longer it waits it'll be too late for them to do a quarterly for next year. My mortgage was XXXX in XXXX took forbearance which in itself is very difficult because I did it on my own and every time I tried to submit something another document or over the 30 days so my credit score went in the tubes. After the forbearance I believe it went up to about XXXX a month right now it's at XXXX and they're saying next month starts XXXX. I have spoken with the tax assessor 's Department four times in the last month and still nothing gas been done. Mortgage company us freedom mortgage. Ty I was told us to be rectified by the beginning of. XXXX and then again I was told by mid to end XXXX and it is still not done and I have not paid XXXX though I have the money because it should be much much. I just spoke to a member services person and they told me to not pay it and to call on Monday to talk to the assessor office I have very little hopes that I'll be able to get through and not be on hold for 3 hours or transferred to different departments and then disconnected. Now because of all of this my credit is too low to refinance somewhere else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to get my loan out of Loss Mitigation since XX/XX/XXXX. I am frustrated with Freedom Mortgage to the point I have cried over this, stressed all I can, I have been super nice to your front line staff. Each conversation I have takes exactly XXXX min to get to the Loss Mitigation Department. Then at least an hour to get through to someone who can help me. I sent on XX/XX/XXXX the scan of my driver 's license, marriage certificate, and social security cards, with the loss mitigation agreement to remove me from loss mitigation and change my name in the process. I was furloughed from my job in XXXX of 2020 and I was finally back on my feet. I thought everything was good, no one called me to say it wasnt. I received the paperwork on XX/XX/XXXX and my name was still XXXX XXXX. I called and they said " Oh the state name " Virginia '' was cut off the top of your ID scan so we couldn't change it ( even though I sent my Virginia marriage certificate and my social security cards ). I told them I can't get the paperwork notarized because it is not my name anymore. I resent the information within 10 minutes of finding this out thinking it would be taken care of and they would immediately send it out. I then called on XX/XX/XXXX to see where the package was with the new paperwork in it and made sure they indeed had the new ID 's reflecting my married name. They assured me it was changed and I would get it soon. I explained that I was in the process of buying a commercial property and I really needed to get this taken care of. They said just a few more days .... XX/XX/XXXX I got a package in the mail. It was the EXACT same paperwork with my maiden name on it. It said XXXX XXXX again! OK lets start the process all over again. I was on the phone this time for 1.5 hours trying to get it resolved. I was assured it would be sent to me by XX/XX/XXXX and it would be expedited. XX/XX/XXXX I received a call from I guess your mobile notary to come and notarize the paperwork. I tell her it is the wrong name again but I should have gotten the new one that day. XX/XX/XXXX I called because it was not received. When I went to verify my account they asked me what my name was. I said " XXXX XXXX '' ( surely my name would be correct by now ) they said " could it be under another name? '' I cried. How can a company STILL not have changed my name? They then told me that they don't understand why someone would have told me Wednesday that no one at that level has control over when things get shipped. They would expedite it and give it another week. In the meantime...... I am turned down for my commercial mortgage from 3 banks because my home mortgage is in modification. I can't get it modified because Freedom Mortgage won't change my name! XX/XX/XXXX I called again. Wait time is over an hour. Instead of running my business I am on yet another hour long conversation trying to get my name changed and my paperwork right. I was told it is coming. I explained the other mortgage and they just apologized and said there wasn't anything they could do. XX/XX/XXXX I called again. There was no wait. That was a plus. The girl on the phone can't help. She says it is processed and I will get it any day now. 5 months. 5 months of me following up. 5 months of me trying to make payments and getting mixed signals because half the staff at Freedom Mortgage says to pay it and half of them say don't pay it. I don't know what to do so I have been paying. I don't even know how much my payment is anymore so I just pay {$1600.00} I pay it in hopes one day maybe you will send me the paperwork. In the meantime Freedom Mortgage is preventing me from moving forward in life, growing my business, and ultimately increasing finances to benefit my family. I also sent an email to the XXXX email with a timeline of events. It has been over a month at this point and I am still awaiting a response. XX/XX/XXXX I call and I speak to XX/XX/XXXX and she sates that now they dont have my marriage certificate. I email the exact same email from XX/XX/XXXX toXX/XX/XXXXalong with the customer complaint letter from XX/XX/XXXX that never responded to. XX/XX/XXXX I called and ensured everything was taken care of with a supervisor named XXXX. XX/XX/XXXX was very nice. She told me that everything was good and I would receive my paperwork shortly. XX/XX/XXXX, today, 6 months laterI get my Loan Modification document via XXXX and guess what. It still has myXX/XX/XXXXmaiden name as XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A