Date Received: 2017-06-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Beginning in XXXX 2017 , Freedom Mortgage increased my escrow/insurance amount by {$25.00} a month and did not adequately notify me. As I was not well informed, I continued to send a $ XXXX monthly payment as normal. I thought all was well as the payment checks cleared my bank ( see attachments ). I received a notice of late payments and credit score c hange from XXXX at the end of XXXX 2017 . Upon investigation, evidently, because the extra {$25.00} per month was not included in my pa yments, Freedom Mort gage moved my payments into a " non interest savings account '' and did not apply any of the payments to my loan. As you can see on the attached documentation, all payments were made on time and as agreed upon. In XXXX , I contact ed Freedom Mortga ge and talked with a representative who instructed me to pay an additional {$110.00} to resolve the issue. In XXXX , I received an other notice from Freedom Mortgage stating my payments were still not accurate. After speaking with three representatives and a supervisor from Freedom Mortgage, I finally have the payments correct as I have now learned of the escrow increase. I filed a dispute with XXXX over my credit score as it has now dropped over XXXX points. Freedom has denied all my requests and have denied any credit review or withdrawal of two 30 day late notices.
I feel I was inadequately notified of the escrow increase and unfairly reported to the credit bureau as I was making payments on time and the amount agreed upon. I do not feel Freedom Mortgage has the right to withhold an entire payment as they have, causing me to be 30 days late for two months and ruining my credit score. I am a model consumer and pay all my bills on time. I feel this is a very unethical practice by Freedom Mortgage. I have researched several websites and have found several other people have reported Freedom Mortg age as well and have had no resolve. It is my hope that there will be actions taken to protect good consumers such as myself.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81007
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
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: My home mortgage was transferred from XXXX XXXX XXXX to Freedom Mortgage XX/XX/XXXX . The loan was paid off XX/XX/XXXX . Freedom Mortgage reported a 30 day late for the month of XXXX to XXXX XXXX and XXXX . I have uploaded a copy from XXXX , showing the account in good standing and not late. From my understanding according to RESPA Federal Guidelines companies are not to report late payments during the first 60 days of the transfer. I have spoken with several customer services representatives who agree this is true and that it should be corrected. I have been trying to resolve this since XXXX . I have been told that it will take 30 days, to no avail. Then I was told it has to be manually input into the system because it 's paid off, no avail. Freedom Mortgage has yet to update my account as paid with XXXX XXXX and XXXX . They reported the 30 day late after the loan was paid in full and said they have the right to do so because the RESPA expired. I also did not receive a my discharge of mortgage until XX/XX/XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I accidentally made double payments on the tax ( once from the escrow and once by myself personally ). The county sent back one of the payments to the Mortgage company ( XXXX. The Mortgage Company had transferred my account to another Mortgage Company ( Freedom Mortgage ). XXXX sent the money to Freedom Mortgage. Freedom Mortgage has received this amount ( They have the XXXX Tracking number and the package has been received by them ). I have requested them to send this money back to me. They have asked me to obtain Proof of Payment from XXXX etc. Despite many attempts to coordinate this effort between the two companies, I have not received my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent the following letter to Freedom Mortgage Corporation on XXXX . XXXX , XXXX , bu t to date there has been no response at all fr om Freedom Mortgage Corp. : " This is a request for information, for review, and for an explanation regarding my Freedom Mortgage ( FM ) account. In particular, I would like an explanation as to why twelve ( 12 ) mortgage payments were marked N or U for unapplied funds, occurred between XXXX and XXXX , and XXXX through XXXX . During these periods, I was enrolled in FM s Bi-Weekly Automatic Draft, and paid an additional {$300.00} a month towards principal in order to curtail my 30-year fixe d rate mortgage. In order to be on the Bi-week ly Automatic Draft, I had to pay one full month ahead to FM. The main purpose of signing up for th e Bi-Weekly Automatic Draft is to curtail my mortgage by having the mortgage paid every 14 days, thereby paying the principal down quicker. However, it appears that FM did not apply the funds when it drew from my bank account on a bi-weekly basis. Instead, it held on to the funds for 14 days and did not apply same to reducing my mortgage. Therefore, by utilizing such method, FM purposefully withheld funds paid to it for its own financial benefit at the expense of a borrower like me. I await a prompt written response from FM, within 20 days from the date of this lette r ( n o later than XXXX ) to address my concerns as stated in this letter. You may reach me by email or US Mail . Sincerely, ''
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX - Rescinding Offer/cancelling refi loan due to negligence of the Lender. Multiple laws broken/mortgage fraud/lender overriding successor/spouse of community property for spouse, falsifying documents, pushing closing/notarizing through despite requests for cancellation of loan multiple times by both borrower and spouse/No attempt to verify and confirm documentation, contact, basic knowledge, loan details, or aggreeance of spouse and successor of interest of community property/ Multiple incorrect and false documents. Homestead declaration documented incorrectly as waived when it should, would, and will be declared homestead if lenders legally abided by CA state laws, XXXX guidelines and orders, the laws and rules of the FDIC, let alone the ones that are on the documents that you push and fast track borrowers to sign illegally. Also very important is how the EPA you came to is completely incorrect, false, and not agreed upon with Lender ( that was informed twice by m e ) and spouse/successor. XXXX XXXX which I contacted twice on XX/XX/17 . Spoke with her and told her briefly of our legal situation and that I just found the documents to the loan on my home because my lender nor husband informed me of the loan details ; on my and our childs own home due to the borrower on title and lender coinciding. She stated, " I understand and did n't know, we will cancel and void the loan. '' As well as making contact with another employee of Mortgage Freedom just to be safe and she said she will red flag and cancel the loan, and stated, " I do n't know how it got this far! It just needs to be notorized ''. Despite me just finding an electronic copy of the finalized version of the revised loan offer on X/XX/17 because the lender or spouse never notified or sent documents for me to review, no access to your secured document site to view what was going on with my property, knowing my spouse was planning on getting it notorized behind my back, and speaking to two different representatives..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I n XXXX XXXX XXXX I purc hased a home. Several months later my loan was transferred to XXXX XXXX . During the 2 years XXXX has miss applied payments or not properly applied pays. Instead they held money that was intended to be additional principle payments. I called on several occasions and in the end I 've been prevented from making any additional payments beyond my monthly payment. Now my loan had been transferred to Freedom Mor tgage. I called to get a loan number. They where not able to provide such. I asked who or what they where. I was told they where not a bank but a mortgage company. I asked who help my loan and I was refused the information. I asked what service did the provide and again no answers given. If as the home owner and I 'm unable to get simple answers how can I trust them to " Service '' my loan? Additionally I asked what service they provide, the answer was we service your loan. Ok great what does that mean? Again no answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX, 2017, I was referred to Freedom Mortgage company in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to XXXX ( freedom mortgage company used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Back to the end of XXXX 2017 I recei ved an escrow analysis for my mortgage. I noticed that it did n't show my taxes owed for the quarter due X/X/17 . I wa s concerned about that since m y Homestead Rebate from my state should be deducted from that amount owed and it was a decent amo unt ( {$240.00} ) I called my mortgage company to make sure they have the correct amount to be s ent for my taxes owed X/X/17 . I spoke w/ XXXX on X/XX/17 . He told me the amount owed that 's showing is {$2300.00}. I told him that w as incorrect, that it should be {$2000.00} due to the reduction by {$240.00} from m y Homestead Rebate. I asked if they received notification of that from my town tax collector. He told me it did n't show they had. ( I work for my town and spoke to the tax collector and she said it was sent out to them ) I asked XXXX if I could scan it and email it to them so they could make the correction and do a NEW ESCROW ANALYSIS for me since that is also incorrect because it shows the non reduced tax amount thus making my shortage higher. He told me he would " have them run a new escrow analysis within a week. Almost a month went by and I had other things I had to deal w/in my ho me so I completely forgot that I had still not gotten a NEW ESCROW ANALYSIS on X/XX/17 so I looked up online my account w/my lender. It only showed the origina l ESCROW ANALYSIS an no note of a new one being done. It still also showed the higher mortgage amount owed for X/X/17 whic h should be a bit less DUE TO MY REDUCTION IN MY XXXX TAX ES which changed the " shortage amount '' in my original escrow. I immediately called my mortgage lender on X/XX/17 . I spoke to XXXX . Told her my problem, how I spoke to XXXX back on X/XX/17 , my tax amount owed for X/X/17 wa s wrong, I had a reduction due to homestead rebate and XXXX told me I would have a new ESCROW ANALYSIS RUN WITHIN A WEEK. I told her I NEVER received that and X/X/17 paym ent is still showing the higher amount, unchanged. She had me on hold f or 25minutes duri ng my work lunch break. She came back on the phone and said " I did find that it was put in for a new escrow analysis but it was denied ''. I asked her WHY it was denied and she said " a new escrow analysis could not be run until the X/X/17 tax payment was made, that had to happen first ''. I said WHY? That 's exactly the issue, you had the payment wrong, at the higher amount without taking off my homestead rebate amount ''. She just repeated herself than said to me " what I can do is put in another request for a NEW ESCROW ANALYSIS and put a rush on it ''. I said " so what XXXX told me back on X/XX/17 was meaninless, he never did what he told me he was going to do? '' She said " XXXX did n't do his job, the analyis was declined ''. I than asked her- " if XXXX did n't do his jo b, how do I know that you 're going to do it? '' She said " all I can say is that I am putting in for a new analysis and requesting they put a rush on it ''. My other issue is, if the new escrow analysis XXXX requested was truly denied, WHY WAS I NOT NOTIFIED OF THAT FACT? This involves me be owed a credit on my taxes and I 'm getting a run around. I told her my X/X/17 mortga ge payment is coming up fast, so can she guarantee that this will be resolved and corrected by than so my payment is at a lower amount? She said " all I can do is put the request in for a new analysis and ask that they put a rush on it ''. I am absolutely enraged over how this is being handled. I always pay on time, have my payments auto deducted, have a tax credit due me and I '' ve been ignored and now treated in such a way that it seems it of no urgency to them since I was completely blown off when I called back in XXXX on the XXXX , 2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Freedom Mortgage short paid property taxes from escrow account. Freedom Mor tgage stated refusal to pay full tax amount prior to foreclosure process date. Property Owner was forced to make tax payment in order to avoid foreclosure. County transaction record clearly states payment made b y Owner though Freedom Mortgage claims they made payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Previously, I had contacted CFPB with regards to the issues I was having with making mortgage payments to Freedom Mortg age using their online payment website. Following this, someone not sure who - from freedom Mortgage Customer Service contacted me and said that he was a supervisor. No name or contact info was given to me but he claimed that he would make the necessary adjustments to resolve the overstated charges which would be credited to the principal amount which would be reflected the following month, whioch would be XXXX XXXX . At first I saw the amount due for XXXX XXXX would be the usual {$610.00}, but then, somewhere during the interim prior to XXXX XXXX , I saw the amount due was changed to {$660.00}. The problem with this online payment site is that one is not given the option to pay a specific amount according to its category. There 's NO individual listing for principal, interest or escrow. There is just ONE total amount to be paid and that 's whatever Freedom chooses to put as THAT payment amount. My last payment was an exorbitant {$700.00} or more over the true amount that was actually due and that was supposed to have been credited back to me. Instead, Freedom has increased the monthly amount due which well may be added unnecessary late charges & fees which they choose to add on themselves and which there 's NO way of making payment for the actual amount due. Once again, I have been repeatedly calling and emailing and NO response. I have been in the hospital again because of all this and have proof of my constant XXXX XXXX XXXX caused by the stress Freedom Mortgage continues to be responsible for. I am seriously planning to file a civil law suit against this company for XXXX XXXX XXXX resulting in serious medical issues. XXXX XXXX seems to be XXXX again & all I get are solicitation calls about refinancing. THIS is a VA ARM Loan and there has been NO change in taxes or home insurance so there is should be no change in Escrow. Last year, XXXX , the monthly mortgage payment increased by about {$11.00} due to the change in interest rate, however, that increase from {$600.00} to {$610.00} remains in effect until XXXX XXXX , so why is their monthly charge {$660.00}. I am NOT falling prey to THIS SCAM company nor will I allow myself to be manipulated or intimidated in any way by their online payment site which is a BIG Scam. Read ALL the reviews on this yourself. I did call and and asked to speak with someone in the Accounting/.Finance Dept. and the person on the other end gave me a blatant NO. I even emailed XXXX XXXX expressing my intent to go into their office in XXXX XXXX NJ to get this all straightened out, yet, NO response.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A