Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Freedom Mortgage has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at Freedom Mortgage corporation. I called Freedom Mortgage and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: This is a situation that has gone from bad to horrific. A few years back I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was not only physically devastating it was also financially devastating. Due to mounting debt we asked our mortgage provider ( freedom mortgage ) to grant us a deferment to regain our composure. The deferment was granted but when we were trying to reinstate our mortgage is where the true nightmare began. We were being passed around, lied to, and in my opinion purposefully misled for the benefit of the ability to seize or home. Though we experienced major financial impact due to XXXX we have a strong monthly income and resuming our monthly mortgage would not be an issue but they had started a avalanche of fees and missed payments that was impossible to recover from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXXXXXX Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear Sir/Madam : Account Reference : XXXX I have been a customer with your company starting early XXXX and during that time, I want to express how pleased I have been with your customer service and also my gratefulness to have experience being serviced by Freedom Mortgage , it is great. I am writing to see if you would be willing to make a one-time " goodwill '' adjustment to your reporting to the three credit agencies. As I review my credit file, I have two late payments on the above referenced account, in which I am fully aware of. The months in which this has taken place are in the months XXXX and XXXX of XXXX. Since that time, your company has been so gracious to offer me a partial claim in which I was just made aware. This opportunity affords me time to inhale and exhale smoothly whilst catching up on all the bills around me as well as build a nest so that I never run into this problem ever again. Because of my exceptional payment history over the last few years, I am at your mercy and would like you to consider removing the negative payments from my credit reports. At the time of the late payments, we had just moved into our new home in XX/XX/XXXX and were getting adjusted to the new monthly bill schedule, as well as welcoming my XXXX boy into our lives, I had just returned back to work in effort to get back to our normal routines, I caught XXXX in XXXX and a domino effect my daughter and XXXX sons contracted the virus as well, which required me to take much more time off of work. As a single parent, I was left with the idea of juggling do I pay my mortgage or feed my family and also ensure that the utilities are maintained monthly. Due to this new variant, I have missed payments with my new loan as I wasn't near organized enough yet to have a savings plan in effect. I say this not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Freedom Mortgage is willing to work with me on erasing these marks from my credit reports. I am extremely excited and super eager to be a customer of yours, so much so that I am looking forward to refinance with new PMI rates as early as XX/XX/XXXX. I am hopeful to continue a long relationship with Freedom Mortgage. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Freedom Mortgage has been exceptional in our book so far and we highly recommend it to all of our friends and relatives. We hope that you will deeply consider this request and prove once again, why Freedom Mortgage is heads above the rest. I look forward to your reply. Thank you in anticipation. XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I have been dealing with Freedom Mortgage since XXXX of XXXX with a lost mitigation process. They've caused more problems than solutions. XXXX XX/XX/XXXX a foreclosure was set to take place so XXXX XX/XX/XXXX i called to beg and plead to request more time for document and application reviews and processes to resolve this issue and update the balance all i got from them was the run around with repeatedly saying there is nothing they can do to help its to late. I called the attorney involved several times and got no answer or call backs. So i got an agent from XXXX XXXXXXXX XXXX to assist me with the matter on XXXX XX/XX/XXXX we made a 3way call to XXXX to request for more time to allow an Illinois housing assistance application to be reviewed and processed before the foreclosure takes place. XXXX XXXX is my witness, my XXXX agent witnessed the misconduct they performed to offer any kind of help. XXXX said they would send the request in and that they would reach out to me within 24-48 hours before the foreclosure with an answer which i NEVER received causing the foreclosure to proceed. XXXX XX/XX/XXXX we made another 3way call to XXXX to ask what happened with the request along with rudeness and back talking we found that the request was never submitted to the attorney involved. i am submitting this complaint because XXXX XXXX has caused my family and I so much pain and stress this last year when all i have done is comply and cooperate with everything and everyone involved with 0 compassion in return. I have many efforts to make things right, to resolve this issue, to restore my mortgage balanceXXXX XXXX XXXX has not helped or assisted me in finding any solutions every step forward i take they push me back 2 more that is why i am here telling you about it. I need your help to get this resolved correctly and professionally. also, i have submitted a complaint to the Illinois Attorney General to help with this matter, after this is over I will be submitting a lawsuit against them for all the unnecessary damage they've caused my well being. there is more to this situation that I would be more than happy to discuss with you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 626XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Way back in XXXX, 2023, my realtor and short sale coordinator submitted a short sale request to freedom mortgage. They deny ever getting the request. I filed for bankruptcy hoping to get some relief. It temporarily stopped the foreclosure in may and moved it to XXXX. The bankruptcy was dismissed because of an clerical error that the judge blamed on me. Anyways, so we again, submitted the short sale offer to freedom in XXXX. At which point they agreed to delay sale to review. A few months went by and we changed short sale coordinators to use first title integrity at which point we needed to get them approved on my account to speak about the short sale. I personally had to call freedom and beg to postpone the foreclosure again because for some reason they were not responding to the short sale offer. Finally after having first integrity approved to discuss my account with freedom, XXXX said they never received a short sale offer and/or the loss mitigation forms and such. Weird right. So they said they would review within XXXX weeks. That was a lie, it took them a lot longer to review. Finally just last week they came back and said they would need one of the liens on the house to be paid off before they would review the short sale. So we came back and said the buyer would be willing to pay off the XXXX, but they would like this in writing that the bank would accept the short sale if the XXXX was paid. What was freedoms response? They will not reschedule the foreclosure this time which is within XXXX hours. They gave us an offer and XXXX time to enact on the offer. This has been the hardest bank to deal with. Its an FHA loan, their money is protected either way. They should be begging us to do the short sale so they get most of their money back plus the interest paid over the last 8 years. Poor communication on their end and it took them 3 months to pull title records. Now they want to auction my house under me while we have an offer in place that they legally should review but are refusing to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: XX/XX/2021 I applied for refinance and it was approved and I was told the next 2 months do not pay. I signed papers over the Internet. The following month I was told that I had missed a payment and I need to do a modification and then I had to make 3 consecutive payments with out missing a month in between. After that they approved my refinance after that and I change to a 3.0 % but it does shows on my credit report as missing a payment. I have been trying to switch loan company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023, I requested current balances and statements. I'm still not getting statements, but I can get a printout of my payments from the website. I make monthly payments of {$300.00} per month. The payments ARE NOT being reported to the credit agency. Only the original amount of the loan shows and no matter how much I pay the company will not report the reduction in my balance. I am only asking for TRUTH IN LENDING. Report my true balance or remove the " balloon payment '' comment from my credit report. XXXX XXXX XXXX ( Phone XXXX ) Loan Number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Inquiries on my report Dated : On XX/XX/XXXX XXXX Freedom Mortgage XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Freedom Mortgage Corp I did not Allow or Acknowledge these Hard Inquiries on My Credit Report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: The mortgage company platform has used predatory practices to secure me into a mortgage and use methods of credit reporting platforms which were not accurate or updated. The technology was immature and all done virtually which was not verified or authorized. The conventional loan I should have been able to qualify for was denied and I was forced to pay mortgage insurance and a higher mortgage premium instead. The current housing market and economic growth paired with job losses for me have resulted in a total loss of income and apparent opportunity to take a home I have put my life savings into. I have been a victim of a predatory mortgage system in the USA by both the conventional home loan and FHA home loan practices and if forced to give up this home due to job loss and income will continue to cycle of punishment to people like me who are trying to achieve a safe livable environment that I had to jump through incredible hoops to achieve and accomplish. Full loan forgiveness is requested in addition to seeking payment to maintain and improve the property as long as I am living on the property and dwelling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The payment for XX/XX/2020 was sent in through the mail. The payment was sent to Freedom Mortgage in the amount of {$1500.00}. I sent it out on XX/XX/2020 and Freedom Mortgage received it before the due date. They admitted that it took 3 days for them to process the payment. They put a late payment on my credit. I have verification following through the mail. It's not right that I have a late payment when My payment was not late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A