Date Received: 2018-10-05
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: In XX/XX/XXXX I have contacted freedom mortgage to ask if I can get a home equity loan, the CSR she answer the phone she refer me to the loan dept. in Indiana, after I asked few question they told me they cant help me refinance my house because I dont have 12 month on my job even I was in the same line of work for years but changed the company, the loan officer told me that we have other program I might be eligible to and ask me to call back the CSR and check, so I called back and I asked about the home equity and that really what I want from the start, but we got to talk and the CSR asked me how much do I need I said only about 3 thousand and she told me we have a program called hardship you can use if you need small amount so you dont have to wait for the refinance or home equity so I asked her to explain what that program and she said you have to be late on your payment another word you cant use it now you have to wait another month which will be the end of XX/XX/XXXX, I asked very specifically if that will hurt me in anyway she confirmed will not and I asked how about my credit she says no and this kind of program made to help people like me that need help fast and quick, I said ok but I keep it calling to make sure this info is correct and every one I spoke with they confirm what that CSR told me ( I have sent an email on XX/XX/XXXX it shows how many time I called before I was even late for a day ) so I went with what they told and by XX/XX/XXXX I found out that freedom mortgage already hit my credit and my score went down from XXXX to XXXX and to be honest I lost it so when I called to ask why you doing that the CSR answered oh because you are late on your mortgage and I answered but the CSR told me I can do that to be eligible to the hardship program because I need it 3 thousand for a family emergency and I did explain everything and that what she advice me to do instead of waiting to get home equity or refinance, but this time this CSR well you are late and we will keep hitting your credit until you pay the balance and at this time there is no way for me to pay the balance as my income has dropped a little and that what push me to do ask for a loan, I have tried to explain if your CSR dept. told me that from the start I will never used the hard ship program which your company claim to be found to help customer but to me it look like it made to deceive customer like who doesn't know anything about loans and mortgage company and I asked to speak to a manager and waited couple days .no one called me I called again and again no one called like just recently I called to CSR about this issue and I asked to speak to manager no one called so I called again and again finally spoke to lady from the loss mitigation her XXXX she ask me when did I called so I told she check the log and she told me I was right I did call so she placed the request for me to speak to a manager and the next day manager called and I was explain to her about my situation and how freedom mortgage XXXX my credit she answered no way we will do that and no way I will ask to speak to a manager and CSR will not pass that to the management so I gave her the name ( XXXX XXXX XXXX on XX/XX/XXXX ) told the manager I spoke with this CSR and request to speak with a manager but she did not request for me and that to show you that I was telling the truth and I do record my phone calls with freedom mortgage because I dont trust anyone in the company any more, she answered me we did help a lot of people like your situation I said if that true why you dont help me it took me 8 month to find someone to help and tell me what papers I need to file so I did and with 2 weeks all my papers was in order but in the last 8 months no one was able to explain to me what to do go back and see all my emails for the last 8 months she did not answer me ..as a professional super visor she did not give me her name or ext and that shows these people in the company are not professional as they claim finally after 10 month ( from XXXX till end of XX/XX/XXXX finally they figure out that I need to modify my mortgage but they said they cant repair my credit because it was not there fault it was my fault because I did not pay my mortgage on time ..even I have sent to them a list of the phone calls I made between XX/XX/XXXX till XX/XX/XXXX when I found out they are hitting my credit and asked them to listen to the recorded line the S.V. told me uhh we says that but we dont record and if we do its for training propose only so my life was destroyed for dealing with unprofessional people and company I will never have had this issue if a professional person who know his/her job well answered my question right I will have never been late on my mortgage and by now I could finance my house again and paid all my debt instead am paying now 28.8 % on my credit cards and I had to close couple of them because the payment is too high all that from dealing with unprofessional people on the other end of the phone line from freedom mortgage and when I told that SV that she told it happened to me with XXXX XXXX XXXX for about a thousand of dollar probley she said that thinking that will make me feel good, am so sorry I have stuck with this company freedom mortgage and for now I have no way out unless they repair my credit score so I can refinance somewhere else they are very unfriendly people not all though some like XXXX XXXX XXXX was great he helped me and stayed with me on the phone till I got everything right on the hardship papers but I cant say that about over 80 % of the people I talked to with freedom mortgage I wish there is a way to repair my credit fast so I can refinance somewhere else I was planning on refinance with freedom mortgage but after what happened I hate to hear there name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to jobs loss for my wife in and reduction of income for myself, I started to get behind on our mortgage payments with Freedom Mortgage and started the loan modification process on XX/XX/2018. I sent in all the required documents, including Hardship Letter, Financial Package, W2 's, bank statements, and 4506t.etc. Freedom Mortgage for the past 4 months has made no progress on this loan modification application and seems to be requesting documents every month which I always provide. I've sent updated hardship letter, paystubs and bank statements and for some reason they still can not get to a resolution. I spoke XXXX agent id : XXXX on XX/XX/XXXX and she informed that Freedom had received all documents and everything was complete for review. Another rep call on XX/XX/XXXX and advised the same information and that I would have an answer on XX/XX/18. I called on XXXX to get an update and AGAIN, I was not told that More a bank statements are needed. What seems to be happening is I provided the necessary documentation and they sit on them for 30 days to let them expire ONLY to request new docs which now takes another 30 days for review. Also, my frustration lead me to contact FHA/HUD directly to see if they could be of assistance I have been dealing with XXXX XXXX ( XXXX who provide me ticket # ( XXXX ) and instructed me to send any documents directly to her and she'll forward to Freedom. I have since called back Freedom to file a formal complaint and inform them I will not be sending any more documents to them. I've also request a supervisor call me in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX i emailed customer care after speaking with the below mentioned representatives. Here is what occurred : I did a pay-by-phone for {$3900.00} to be applied to Escrow in XXXX. It was not applied per the bill dated XX/XX/XXXX. I contacted customer service, spoke with XXXX on XX/XX/XXXX @ XXXX MST. Her ID number is XXXX. XXXX was going to apply the amount to Escrow and call me back, XXXX never called me back nor did she make any changes to the account. On XX/XX/18 XXXX, ID # XXXX called and advised my mortgage payment was late and fees were applied. I told XXXX about my previous conversation with XXXX and the payment over the phone. He issued a ticket to apply the funds to Escrow since XXXX did not. I requested an email or letter confirming the matter has been handled and that Freedom Mortgage reversed any fees and they DID NOT issue a late-payment notification to the credit reporting agencies given all of this was by no fault of my own, XXXX confirmed this on a recorded line. I also advised XXXX that I need a follow-up phone call to speak with someone regarding the matter once it has been handled, either later today or tomorrow. I did not receive a letter confirming the events and the matter was closed. XXXX did not get the account issues resolved and it appears nothing was done. Because then I received another call from a different rep, his name was XXXX, ID # XXXX on XX/XX/XXXX at XXXX MST. We reviewed the account and its history, he apologized for the repeated mistakes. I issued a escrow payment that day to Freedom Mortgage in the amount of {$3900.00}. XXXX said he would call me Monday morning, XX/XX/XXXX with an update and that he would escalate the account to a manager as well. XXXX never followed up and I received letters from Freedom Mortgage stating my account was past due and that was reported to the credit agencies. Then XXXX ID # XXXX called me on XX/XX/2018 at XXXX to tell me my mortgage payment is going to increase. We reviewed the account history and discussed the issues. Resolution is still pending and Freedom Mortgage acknowledged receipt of my written complaint received via email on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2018 received the annual Escrow Account Disclosure Statement. The information provided is deceptive and should not be provided to a customer in this means. Company has contacted me twice and all they say is they are required top provide this. At the top of the letter denotes I'm short on my escrow by {$890.00}. This about gave me a heart attack. At the bottom of the letter it denotes my payment is going down XXXX XXXX. How is that possible. This letter is deceptive and the should fix this so that the information is correct. XXXX XXXX contacted me on XX/XX/18 via email. Didn't resolve the issue. Another person contacted me XX/XX/18 via phone. Provide legalize but didn't resolve the issue that I'm short a log of money and your payment is going down. I informed this person I know why I receive the letter. I was trying to get them to see this from a Customer 's perspective and they feel they have done no wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX To Whom It May Concern : I am requesting that the negative late payment remark be removed. I have shown proof that I had my bill pay make a payment. I have made a payment every month since they took over my loan. I never once received a statement showing an increase and I did not receive mail from Freedom Mortgage until XXXX except for my initial welcome packet. My loan was sold to them to be serviced in XXXX. I got the first introduction letter and I tried to do as they told me to sign up on their website. After multiple attempts, I had a username and password and they had my email, but it would not let me access it so I gave up and set up payment through my bank bill pay. Fast forward and I received a statement in XXXX showing that my payment was double the usual amount. This was the first piece of mail I had received this year from XXXX Mortgage. I contacted them and we spoke on XX/XX/XXXX. I asked why the payment was more and they said that there must have been an overlap in the system and perhaps my bill pay was delayed. They said I did not need to do anything about it. I received another statement for XX/XX/XXXX showing the same thing. This time when I called in, I was told that my payment was not for the correct amount and that each month the money was pooled together and the payment would be made but there was a shortage. I asked about the shortage and about what happened. They told me that the escrow account had been adjusted and that they sent me a letter stating this in XXXX. However, I informed them that I had not received that statement or any mail from them until this past month. The customer service representative told me that I did not need to worry and that no negative report would be made to my credit. All I needed to do was to pay the difference and adjust my payment amount. I immediately did as I was told and was relieved. I thought that this was resolved. I told her that I did not have access to their online system and she said that it did not work for some browsers like XXXX XXXX. Well, about a week later, I get an update credit alert and it says I was marked with a late payment on my mortgage. I was shocked because I did everything the customer service representative said to do and they still did this. I called immediately and the representative said my payment was late and that they reported it. I explained with the prior representative had stated and she said there was nothing she could do about it. I explained how I never miss any payments on things and she could check my report and she said it was too late. I asked what I could do to rectify this. She said I could send a request to Freedom Mortgage and ask them to reverse it so I did this. Then a week or so later, I got a letter saying that they would not reverse this report. This is not right. I did my part as the consumer. I followed up with the company. I even received confirmation and was told that they would not report late as it was a mix up. Since then, I have spoken to multiple supervisors and their supervisors. XXXX, XXXX, and XXXX. XXXX listened to all of the recorded calls and told me that they did in fact tell me that it would not be reported but that the customer service representative would be dealt with. I explained that I use my credit for business and that this was not the result I was looking for. She also told me she would call me back in 24 hours and I had to wait 48 hours and follow up with her myself. I spoke to her supervisor, XXXX, and he told me that it was reported due to the Fair Credit Reporting Act. I explained to him that it was not fair at all. There company misinformed me. I then asked him why they never sent me an email. He said they do not use email. He said they had robo called me. However, I explained that I am on the phone all day and I did not have one message from any Freedom Mortgage robot to call them. This is disgraceful and an abuse of power on their part. My loan was sold to them in XXXX. I did my part to pay my bill every month. I did my best to get acquainted with their program and system. After multiple calls to this organization, I am in disbelief that they can even service a loan. They were not professional. They did not inform me that my payment was not cleared. I am the one who inquired and they didnt tell me on XX/XX/XXXX. For this to drop my credit score over 100 points while I was not informed is an outrage. I am asking for this to be reversed and for them to be further investigated. I hope my loan is sold to a professional servicer. Please help me resolve this issue. I also have included my bank balances. I had the money to make the payment. I was not behind because of a lack of funds. I simply did not know that my payment amount had changed. Also, I received a letter in the mail last week about my insurance policy being inactive. This company is a fraud. I used their service and uploaded everything. I called the next day and they said it could take one to two business days. I called the following week and they still did not have it. They were threatening to add on expensive insurance and I have a current policy that I have had since XX/XX/XXXX. I gave them the information on the phone. I hope they do not add new surprise fees. I want a new loan servicer and my credit repaired. Thank you for your time and consideration. My credit is extremely important to me. This has taken hours of my time to resolve. Best Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Since purchasing my home in XX/XX/XXXX, my mortgage has been passed around to different mortgage companies like a hot potato. It has been sold, transferred many times. Each time the mortgage was passed on, we did not know about it for months. The current company that held it, Freedom Mortgage, stated that I should have received a welcome packet ( which I never did ). The process for paying the mortgage was difficult. The website was not helpful as several times I was believed to be on a payment plan thru automatic withdrawal through my bank. Inquiries that are sent to the company are only replied to thru US Mail with a letter stating that someone will contact me within 30 days ( I get better customer service resolution when XXXX messes up my order ). In XX/XX/XXXX, an error was discovered that my mortgage was not being paid properly. I was under the impression that things were coming out automatically through my bank. I contacted the lender and disputed this and stated that I would be sending in the missing amount for each payment ( via 6 separate checks through certified mail ). I did this and contacted them back days later to see if they had received it. They stated that they would be sending the checks back to me and that I had to send the payment via wire transfer through my bank ( which I did on XX/XX/XXXX ). This matter should have been resolved then and my account was to be made current ( which it was not ). After the payments had been applied, I was able to go onto their system and setup the automatic withdraw from my bank account which I made a physical copy of ( in the event that some screw up happened again ). I had also asked them to resolve the situation and was told that erroneous reporting on my credit report would be taken care of. I received a letter ( weeks into XXXX ) from the company stating that my account was current and that the matter was resolved. I later found out the matter was not resolved as the document had stated. Not only did they take the wire transfer money but they also ended up cashing the 6 checks ( for which I did not have enough funds to cover the amount in my bank ). So not only was I lied to about the situation being resolved but I was also the victim of fraud due to them keeping the checks and cashing them ( which caused multiple ISF fees which has affected my bank account balance as it was never resolved by the company ). This situation was never resolved and the company did not continue to withdraw funds from my bank account to payment for the mortgage. I have mailed several times and issues complaints online to no resolution from this company. More recently, we found out that the mortgage was in foreclosure while we had attempted to sell our home. We received no mailing about this from the mortgage company, no phone call info rming us of this and have seen multiple charges on the account about legal fees and inspection fees when nobody is inspecting the home ( we have a camera on our front door so we know if someone is at the door ). I contacted the attorney handling this case on behalf of the mortgage company several times asking them inquiring about how this could be in this situation and left them my name and never received any response either. I have complained several times about this and had sent in paperwork trying to get this mortgage resolved and get some kind of plan. I need this foreclosure sale or auction to stop and be given some kind of resolution, even if it may be temporary to fix this. Due to the errors and notes about the foreclosure on my credit report, I can not even take out a loan to fix this. I need some kind of help on this because no one from the mortgage company is helping me out and now it is leading to several health issues, one of which sent me to the ER several days ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46311
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX County Nevada isn't given my ( Tax-Exemption ) to Freedom Mortgage at all. Now Freedom Mortgage Coming after me for Tax payment. As they gave me my Parcel # XXXX, and Tax-Exemption # XXXX still not given to my Mortgage Company over a year since XX/XX/XXXX. Why are they doing this to us, deemed to be a breach of information wise. Please ; I need help to relegate this unrighteous Dominion and Unscrupulous practices and conduct by such a County ... .. '' XXXX County '', Nevada.. I am XXXX XXXXt XXXX Veteran. since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint number : XXXX. The real problem started with XXXX XXXX XXXX. Account # XXXX. Before they sold my Mortgage to : Freedom Mortgage LLC. Loan # XXXX. I sent off the information you requested on XX/XX/2018 Priority mail. Sometime I don't trust mail carrier at all. Even postal services anymore. I think they probably supporting the Leftist Liberal and their Collusion Dishonest Activity. The bottom-line is : My VA Home Loan suppose to have a reduce interest rate accordingly. But, somehow they are playing a role of Defiant and Deviant all along obviously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2018-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/18, I sent freedom mortgage an email requesting 12 months of mortgage payments deferment under section 8 because I was fired from my job XX/XX/18 ( documents provided to them as proof on XXXX ). The request for deferment was denied by freedom mortgage on XX/XX/18 because they don't do deferment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I called to confirm the closing of my mortgage with my preferred attorney, XXXX XXXX in XXXX, his office had no record of my closing and I was baffled because I had received an e-mail form XXXX XXXX at Freedom Mortgage indicating I would be closing at the address of his office on XX/XX/XXXX just a few days before my call. After speaking with several people at Freedom Mortgage who assured me my loan was closing with XXXX law firm I did not understand and neither did XXXX law firm. I asked to talk to the title company ( XXXX XXXX ) and they told me XXXX XXXX was closing my loan, but the problem is XXXX doesn't practice law with XXXX law firm, he is with XXXX Law Firm in another city, XXXX. I spend the next 48 hours piecing together my own closing that I was paying Freedom to originate and close on my behalf. The closing finally takes place because I have to switch to XXXX law firm. Reason being I had scheduled my family vacation and work schedule around closing on XX/XX/XXXX and XXXX law firm was booked, I was forced to close with XXXX or I would lose my rate lock an have to rearrange my schedule again to accommodate for Freedom 's missteps. ON XX/XX/XXXX I sent my preferred closing attorney docs to XXXX XXXX and Freedom Mortgage and she acknowledged the receipt on XX/XX/XXXX. This correspondence was forwarded to XXXX XXXX at Freedom Mortgage would was verbally handling my complaint details and trying to get a resolution for me. Email sent on XX/XX/XXXX and form filled our on Freedom Mortgage WEbsite : I have tried to come to talk with a manager about the closing of my loan on XX/XX/2018 by XXXX Law Firm, XXXX XXXX, lawyer. Property Address : XXXX XXXX XXXX, XXXX, SC XXXX I spoke with numerous people at Freedom and have also emailed my customer care and closing coordinator ( XXXX XXXX and XXXX XXXX, respectively ). After a week of trying to speak with someone in upper management and completing the telephone survey conducted by Freedom on XX/XX/XXXX, I still have not received a call or any correspondence to acknowledge the errors made by Freedom in processing the set up of the closing on my loan. I am very disappointed. Please have someone in upper management that oversees any of the individuals that I have been in contact with, so that I can understand the missteps and bring resolution to this matter. If a response is not received in 3 business days, I will file a formal complaint with the XXXX XXXX XXXX and, if necessary, the Consumer Financial Protection Bureau, to express all of the missteps made by Freedom in completing the closing of my loan. As of today, all I'm asking for is a person in senior management to call and discuss this situation with me at XXXX, I think I have earned this opportunity based on the missteps. Should you need the missteps I am sure that XXXX or XXXX would be happy to share with you my e-mails and experience with your company. I also dealt with the following people in the closing department that tried to help, but I really ended up doing their job for them in coordinating my own closing because Freedom did not use my preferred attorney. Their names in the closing department were : XXXX XXXX, XXXX XXXX and XXXX XXXX. I really do not want to go through the channels of bureaucracy to have a conversation with someone, but if I need to go that route, I am happy to do that in order to move the needle here. I went back and forth with XXXX XXXX for over 60 days trying to get a formal response, but kept getting the run around and a delay about being compensated for my effort in coordinating the closing of this loan ( a job Freedom was hired to do ). I gave Freedom a chance to make it right bu XXXX XXXX INSISTED that I give a dollar amount for the compensation I was seeking, so I told him {$2500.00}, but ultimately what I wanted is for Freedom to explain the missteps, admit their wrong doing and pay me what they thought was a fair amount, but they insisted that I name the dollar figure, so I did. The transaction clearly breaks SC state law by allowing me to close with my preferred attorney in a reasonable time frame and due to Freedom 's miscommunication and lack of organization they failed to follow the law. AT no point was I offered to extend my rate lock or offered a lower closing cost prior to closing, so I feel this was my only option to ask for the money after the transaction. Freedom Mortgage failed and should be held accountable along with compensating me for my loss of time and XXXX over this situation for the last 80 days. I originally requested the company compensate me {$2500.00} for person time and effort put into following up and scheduling my own closing which I had hired them to do as a loan origination company. At this time I feel that my time and effort that has spent spent chasing Freedom Mortgage for an answer is worth {$5000.00} in punitive damages on top of my own time and effort for doing their job for them in the days leading up to the closing. It took Freedom over 80 days to respond to me with a final decision and the CFPB timeline for a response in writing is 30 days, nearly triple the government standard. On top of this, the stress it has caused me knowing I did their job for them in the most important part of the loan closing process. I also expect the state of SC to hold all of the following people accountable to the letter of the law for their actions and in-actions in this case. XXXX XXXX, XXXX XXXX and XXXX XXXX ( all spoken with on XX/XX/XXXX who had NO IDEA what to do and where my loan was closing, I ended up calling the title company ( XXXX XXXX ) my self to find out that XXXX XXXX was trying to close the loan at a law firm where he doesn't even practice law ( my preferred attorney 's office XXXX XXXX ) because XXXX XXXX did not schedule the closing with my preferred attorney, SC state law requires I be given that right and Freedom essentially ripped it away from me because otherwise I couldn't close on time ). XXXX XXXX NMLS ID : XXXX, loan officer of the transaction, who tried to be helpful, but really did not see the deal to closing with my preferred attorney as a loan officer should do and failed to help after the closing other than to escalate to her manager ( unnamed by her, but that person should also be held accountable ). XXXX XXXX XXXX - person responding to my inquiry over 80 days later in writing, see attachment. XXXX XXXX - called to tell me a VP was working on a resolution around XX/XX/XXXX, no response after that to e-mails and not a call from her VP either. The following were all e-mailed as escalation points and no response to my e-mails or even an acknowledgement of the e-mail that would be responded to by some at Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ultimate message here is that Freedom Mortgage failed to honor my preferred attorney in the closing time frame that was agreed upon with XXXX XXXX. I had to do everything myself on behalf of Freedom to make sure the loan closed before the rate-lock expiration. Freedom displayed a gross misconduct of SC law and federal law by not allowing me to close with my preferred attorney in a reasonable time because of their failed systemic issues of clarifying loan closing dates with the preferred attorney on record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A