Date Received: 2018-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage company has PMI on the loan. I have reached my Loan to Value of 75 % and the mortgage company is looking to force my into paying for another appraisal. I already have a licensed appraisal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: i got this divorce- and my name is on the title or deed but not the loan- i was awarded the home- and now all i am trying to do is- utilize the successor in interest due to divorce- however they will not let me do anything- they wont talk to me- the house was going into foreclosure- and i had to file a chapter XXXX to stop the foreclosure- now the borrower who is a veteran who has some serious XXXX XXXX XXXX issues- has purposely tried to foreclose on the property by engaging in a number of distributing tactics- he is obviously under some type of undue influence. he abandoned the property 3 years ago- and i maintained the property- until- he started with the help of bankruptcy and divorce attorneys- placing the housing in an unneeded chapter XXXX 3 years ago- when i was paying he note. all i want is to be able to secure a loan modification through my chapter XXXX and move on- and refinance- giving him any moneys that may be due him- however i dont think he is deserving-but i will let the court decide this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After buying a house in Florida, and the loan sold to Freedom. I received a notice in XX/XX/XXXX that the real estate taxes that were supposed to be paid in XX/XX/XXXX weren't paid and the house was going to be put in for a tax sale in XX/XX/XXXX. There were numerous very heated calls for them to rectify their mistake, and they said they would take it into consideration and would have an answer in 30 days. Well at that point the house would have been in the tax sale. In order to save the house, I went and paid the tax bill, expecting and telling Freedom Mortgage that they had to reimburse me for the {$4000.00} that I laid out. Now its XX/XX/XXXX, and the account shows that they are only reimbursing me {$1700.00} stating that they escrow analysis which means I am out {$2200.00} that they kept because of their stupidity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2018-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a new mortgage with Freedom Mortgage. Payments after the XXXX of each month are late. Our regular payment is {$970.00}. On XX/XX/XXXXI did a search for " Freedom Mortgage payments ''. I clicked on the link that said " Freedom Mortgage : Login, Bill Pay, Customer Service ''. The Freedom Mortgage logo showed up with the word 'payment ' to the right of the logo. I clicked 'payment ' and proceeded to process a payment for {$970.00}, a little more. Today, XX/XX/XXXX I got a call from Freedom Mortgage stating we had not made our payment. Shocked, I began to research what happened. After several calls to Freedom Mortgage I got a Customer Service Rep that admitted there is a third party, XXXX, that takes payments for Freedom but stated that XXXX is not authorized by Freedom. So I asked, " then why do you allow them to use your logo!? '' I got the repeated answer, " we do not authorize them to take payments for us ''. Same question, " then why do you allow them to use your logo ''!? I asked for the legal department to which I was told they do not take incoming complaints but that I can send an email to XXXX. I will be sending that email when I finish this but I am quite upset. If Freedom Mortgage is aware that XXXX is using their logo to take monies for them then why is me, as a Freedom Mortgage customer not made aware that this is happening in advance not after my payment is taken! I just found out that these payments do reach Freedom Mortgage but late! Its not right!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 84128
Submitted Via: Web
Date Sent: 2018-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have a new loan with Freedom Mortgage ( started it XX/XX/XXXX ). Starting on XX/XX/XXXX I requested the removal of PMI with my payment of an extra $ XXXX toward my loan. I was first told I'd need 2 years of payment history before they'd remove. But, after I asked them to put that in writing they called back on XX/XX/XXXX and said they were wrong, and if I paid another {$7500.00} then they would remove it ( by XXXX # XXXX ) & would not need another appraisal as it was within the grace period ( since it was a new loan ). I paid the extra {$7500.00} assuming he told me correctly. On XX/XX/XXXX & XX/XX/XXXX I sent follow up emails to see if they'd removed it & as of XX/XX/XXXX they did not respond to either email. On XX/XX/XXXX I called in and was told by XXXX ( # XXXX ) that it would be processed by XX/XX/XXXX and to call back. On XX/XX/XXXX I called back and spoke to XXXX ( # XXXX ) who said I'd need to send another appraisal before they'd remove PMI. When I told him XXXX ( # XXXX ) said that wasn't true, he said he would call back once he spoke to XXXX. As of now, I still have PMI even though I've requested the removal of PMI, and have more than 20 % paid toward the principle. I keep getting told different things each time I call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83404
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with Freedom Mortgage Company. I have an escrow account that should pay my property taxes. They were due in XX/XX/XXXX of last year. As of today they have not been paid and the county I live in is threatening me with legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40741
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I tried to schedule a payment with Freedom Mortgage Company in the amount of XXXX the amount of my current mortgage payment. I TRIED to make the payment by XX/XX/XXXX payment options that were available each payment option told me I was not able to make the payment because I did not make the payment in full ( including late fees ) I was told by multiple supervisors that the late payments could be done at any time and was not required to be made at time of monthly payment. I feel discriminated against because I had financial difficulties in the past and I am now trying to get my finances in order however Freedom Mortgage Company 's payment system is basically designed to not allow you to make your current mortgage payment ... it makes you pay the entire amount in full when it States you can make your monthly mortgage payment free of charge however the system only allows you to take advantage of the free options ... if you don't have any past due balances ... this disclaimer is not stated on any documents. For people who get paid on the XX/XX/XXXX and it clearly states I have until the XX/XX/XXXX to make my payment they allow no free options like they do for regular customers this is very deceptive practices. There is no time to mail a payment so the only option there is ... make a payment over the phone with a representative ... so because I had financial difficulties in the past ... Im being punished with a XXXX fee each month because I have no other options available to me to make my mortgage payment free of charge. I can't help when an employer decides to pay its employees and I shouldn't be penalized either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Wanted to do a cash out refinance with Freedom Mortgage talked with XXXX XXXX and he wanted to pay off all my credit cards and other loans.All I wanted to do was get money to replace all my windows in the house as they were old and needed replacing. He said I would need a VA appraisal, Termite letter. and water well test. This I had done. Then He wanted to do a 15 year mortgage at twice what I was paying plus I would need to pay points to get close to what my rate was. I have a 3.625 % rate now he would get me a 3.865 % rate. by now I have spent nearly {$3200.00}. He received the VA appraisal and said I needed to do some repairs on the house nearly {$20000.00}. I said I was XXXX XXXX XXXX ( XXXX XXXX ) and on a fixed income and could not do the repairs. He said what if I found a company that would do the repairs and pay after closing. I said that would be great. I never heard back about the repair work and two day later I received a e-mail that if the repairs were not done by the XX/XX/XXXX of this month they would withdraw the finance offer.Now I have lost {$440.00} VA appraisal fee, A {$2500.00} fee for a no termite 's found letter and re exterminate for no termite 's. and {$160.00} water test. And Freedom is my regular mortgage lender 5 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30528
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been a home owner for the last 4 years and I have ALWAYS paid my mortgage payments on time and I have NEVER missed the payment deadlines. As always, on XX/XX/2018, i went to 'Freedom Mortgage ' website and I made my payment by entering my name and my bank routing number and checking account number. I hit confirm and the system took me to the next page and said 'Your Payment Is Scheduled ' and it also provided me a confirmation number for the payment. This clearly seemed like the payment process was completed as the system itself confirmed it with a confirmation number. However, on XX/XX/2018, i received a call from Freedom Mortgage informing me that the payment was not successful due to technical issues and they asked me to provide my bank routing and account number again, which i did and completed the payment for XX/XX/2018. I asked them what the technical issue was but they were not able to explain me the exact reasons for the payment not going through. Freedom mortgage has technical issues with their systems as it confirmed to me that the payment went through but now they blame me for being late. I am in no way responsible for this late payment as I duly made my payment and their system provided me a confirmation number as well. I have never been late with my mortgage payments in my entire life. I have now been reported to Credit Bureaus as late causing my credit to fall by about 80 points, for ABSOLUTELY NO FAULT OF MINE. I request you to kindly investigate this matter and order Freedom Mortgage to fix my XX/XX/2018 payment issue and have them work with the credit bureaus to correct my XX/XX/2018 payment as NOT late. Thank You XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a single mother of XXXX. I work full-time and I'm in school studying to be a XXXX XXXX. I'm hoping to be certified by the end of the year. I am struggling with my mortgage payments. I am 4 months behind and I'm concerned I'm going to lose my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A