Date Received: 2021-09-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have yet to receive my remaining escrow balance after closing on XX/XX/2020. The balance in question is XXXX. I think this company should be investigated for not paying out escrows to customers since I havent received mine and had to call them to have them send again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We have received mail, email and phone calls to refinance our loan constantly. At one point we were told if we didnt that they would sell our loan so we did it. This is the third time were having to do this. We have called and left messages for two loan officers many many times, weve email the loan officers, we have tried calling the mortgage company customer service and got no response what so ever they have a recording basically saying they are to busy. I email their messaging center and they always respond if you havent received a call in two days let us know and when we do let them know nothing is done they say give another two days. This is absurd we had a natural disaster, hurricane Ida. Weve never been late on our mortgage weve never had a forbearance request at all. It shouldnt be this hard to reach someone. They had a closing officer call us to close on our loan but the hurricane hit and we were without power for over a week and so as she. No one has reached out to us or returned calls. Someone needs to be held accountable!! This is a superb way to treat your veteran customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Closed on my home in XXXX. Prior to closing I was advised I needed to purchase flood insurance. I called around for prices, FEMA policy was almost XXXX dollars. I was not going to purchase my home due to this amount. I found cheaper flood insurance through a private flood carrier. Closed on the home. In XXXX of XXXX I completed a streamline refinance, everything went well no changes except my APR. fast forward to approx a month ago I receive a letter from my mortgage company advising my current flood policy is not acceptable and I will need to find NFIP insurance ( FEMA ) prior to XX/XX/XXXX or I will have forced insurance selected by the mortgage company. After back and forth with plenty of supervisors and reps the end result was this is an FHA requirement and it was an error that should have been found at my initial closing, each year after and at the refinance. This error by everyone involved will cost be more yearly and monthly as the policy is a XXXX XXXX more. I have received conflicting information from each representative I spoke with. Every time I speak to someone I receive a different answer as to why I received this letter. I want a email documented as to how this policy was acceptable since the purchase of my home in XXXX and all the way to XXXX. There was no change to FHA requirements recently which explains why a MANAGER advised me this was an error on everyone who was involved. Which I want emailed to me and have yet to receive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: not listening as there is many faults to the purchase of my home as i believe in fraud. As in a XXXX indebtness on house that was not told about or aware as in property survay that is correct and was from a website instead of title company itself. There is three property descriptions with with three different county and names descirbed and much much more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46725
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a VA home loan serviced by Freedom Mortgage since XXXX. Automatic payment set up through my bank, always on time, no problems until we refinanced with them in XX/XX/XXXX. Then the roller coaster ride began. Currently F.M. has requested a supervisor investigate the issue. The issue is a chain of errors starting with their escrow department having us on record as uninsured since XX/XX/XXXX. Our original loan and the refinance documents clearly include an escrow account with F.M. to pay taxes and insurance. Evidence of Insurance was included with the refinance. Mysterious. Well the chain continues with subsequent escrow analysis based on incorrect records, then incorrect ( lower ) monthly payments, refund of balance in escrow account, failure to act to ( multiple and timely ) requests from XXXX XXXX to pay the annual premium, a new escrow analysis and a new ( higher ) monthly payment, those same monthly payments held in suspense and not applied, late fees. Since Ive dug into this matter a month ago, F.M. has waived the late fees, naturally and applied my payments. Their Customer Care department also want {$2000.00} from me to cushion the mysteriously on-record/off-record escrow account. Their loan officers want me to refinance with them again yet are unable to help me resolve these issues. Id like to have an explanation ( a real and true one ) for the vanishing of the escrow account, some renumeration for the time and patience Ive had to employ to educate F.M., investigate the matter and do myself what I actually pay F.M. to do : accurately maintain my loan and escrow account. I dont do this for a living but they do. Beyond all this Id like to trust my Loan servicer to do what they agree to do in the loan agreement. At this time that servicer isnt Freedom Mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Company states they sent notice of force placed insurance. I never received said named paper work. Apparently my insurance lapsed on XX/XX/2021 and I wasn't notified until XX/XX/2021. The insurance force upon me is significantly more expensive then i was paying and ever pulled my escrow into the negative. Tried to call XX/XX/2021 to finish putting this to issue to bed after getting my insurance company back on. the previous call was XX/XX/2021. I was told that is my problem and that I have to pay all fees and increases, because there records showed they sent a letter, which was not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX is who we were with until XX/XX/2021 that's when we got our notification in the mail that they were selling our Mortgage to Freedom Mortgage starting on or effective by XX/XX/2021 Freedom Mortgage will become our new service provider of our Mortgage. I have tried and tried to call and get a new Account number to pay our Mortgage and they say they don't have one for us yet. And that it could take awhile to get us one. NO NO that doesn't work for us. Both of these Mortgage Companies are breaking Laws Period. First we Never got a reasonable notice of transfer of our Mortgage with Homepoint under 15 days Not Legal at all. and then our new Mortgage Company Freedom doesn't want to give us a new account number so we can pay our XXXX 's Mortgage payment now. They said it could take awhile to get into the system No Way can this be Legal to Not Take a Payment from a New Customer or to Not provide us with a new Account number at all is it? How come wee can't pay on our Mortgage Now or even get an account number from Freedom Mortgage at all? In 12 days they could show us as we payed Late. We have NEVER paid Late. In fact our Mortgage has always been taken out Auto pay on the XXXX day of the month for 10 years. They will not give us an opportunity to pay on our Mortgage at all. Please HELP us in this matter in anyway possible to get resolved. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98501
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: loan number XXXX my name is XXXX XXXX i am trying to refinance i was in forbearance plan end in XX/XX/XXXX i am not late with my payment my mortgage company give false statement that i am late with payment 30days 60 days 90 days if i am in forbearance plan my mortgage company cant not reported late payment i think they doing this so they can keep my business but i dont this company my payment is to high and i am geting lower rate with another company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX ssi XXXX I owe XXXX Im paying XXXX each month need some more time. Freedom Mortgage Account XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A