Date Received: 2016-04-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: FREEDOM MORTGAGE is charging me for " payoff statements '' they send to lenders I am researching in an effort to refinance. Now my XXXX payment says I owe {$30.00} more than my normal, fixed 30-year payment! While calling, a representative also found an erroneous " late fee ''. ( My payments are deducted directly from my checking account and have NEVER been late ). I imagine that " late fee '' has been included in the payoff amount, adding an additional {$41.00} to their profit. I am a Veteran and resent the sloppiness of the bookkeeping and additional charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I can not get anyone to do their job at Freedom Mortgage so I am having the homeowner file this complaint on his own. XXXX XXXX is the homeowner and if this complaint is in the third person, it is because it is the same complaint I have tried to file on his behalf with no success, as Freedom Mortgage is seemingly above having to respond to complaints made against them with the the CFPB : XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He is actively seeking gainful employment and wants to save his home that he resides in, desperately. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Freedom Mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Freedom Mortgage calls me every week to ask me to RESUBMIT paperwork that I 've ALREADY PROVIDED MULTIPLE TIMES. This has been happening for over two months, going on three months. As a result, they keep delaying my forbearance application, charging me penalties and ruining my credit so that I have no ability to re-finance with another institution. The reasons they provide for the delay and request for re-submission of paperwork already provided are in an attempt to delay. The reasons have been ( a ) forgot to ask previously ; ( b ) personnel at Freedom Mortgage are not scanning documents properly ; ( c ) there are so many documents submitted, we are too lazy to confirm that we already have the docs we are requesting so it would be easier if you resubmit ; ( d ) the underwriter did n't review the docs properly ; ( e ) your single point of contact was out of the office and did n't have anyone covering his files in his absence ; and ( f ) your single point of contact does n't bother to look at your files when you submit docs but only every 3 - 5 business days. Also, why do they need paystubs in XX/XX/XXXX for a forbearance request from XX/XX/XXXX as a result of UNEMPLOYMENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-08
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I got a pre-approved home equity letter from Freedom Mortgage Company ( XXXX XXXX ) of NJ. They made this offer because " I am a XXXX and a home owner. But I 'm not a XXXX. I worry they soliciting people under the guise of " thanking a XXXX. '' I have the letter if you wish to see it. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was sold to a company called Freedom Mortgage from XXXX Mortgage XXXX XXXX As part of the notification process, I was sent a letter that told me about the sale and included a " Schedule of fees '' that is dramatically different from the fee schedule I had with XXXX as you can see in the " From '' and " To '' columns. I do not feel that it is fair to change any fee as part of the sale of a conventional and compliant loan. I have excellent credit and I do not expect to be treated this way after paying such high closing costs to get the loan in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41071
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-06
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: We began our short sale paperwork with Freedom Mortgage in XXXX of 2015. After being required to submit paperwork multiple times, over a span of 5 months, because Freedom employees have repeatedly lost documents, we were finally notified that our application was submitted to underwriters on XXXX XXXX 2015. The letter stated that we would recieve a final decision within 30 days. Our realtor reached out to Freedom via phone today ( XX/XX/2015 ) and was informed there was not yet a decision. Not only has it been well over their 30 day allotment, this is only one of a long list of issues we have been forced to deal with over the past 7 months. I had to put in complaints with both the XXXX and the NC Banking Commission in order to get our application submitted. Yet again Freedom Mortgage is failing to do their job in this process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: my mortgage company paid out 3 separate tax payments to my county at the end of the year, all 3 payments were for the wrong amount of taxes, one payment was used to pay taxes and the county sent the overage back, a second one was returned, but the third payment the county shows they never received. The mortgage company keeps saying that they are waiting to get it back from the county. It has been 4 months now and still no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-05
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Freedom Mortgage Corp - They keep sending me mail and I have to opt out to quit receiving their mailings. I NEVER Opted in. When I called their telephone number to opt out, they made it difficult to opt out, kept saying they did n't understand my voice commands to opt out,. These people are predators and need to be prohibited from conducting business. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Mortgage company did not pay homeowner 's insurance. My insurance payment was due XXXX/XXXX/16. I 've sent several emails to this company and have not received a response. Today i spoke with a representative and she stated i am supposed to pay my own insurance, however my HUD settlement states the extra amount paid into my escrow account is to cover homeowner 's insurance and property taxes. I sent this HUD settlement to thema gain today. She said they will get back to me by XXXX XXXX but my insurance is already far past due. I 've attached a copy of the insurance billing that shows it was billed to mortgagee. HUD settlement is also attached ( PASSWORD IS XXXX ) on page XXXX shows that homeowner 's insurance is included in the escrow payment and mortgagee is responsible for paymet.
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: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am trying to streamline my FHA mortgage. I sent late payment priority mail express overnight so I would n't get 30 day late. I mailed it to the address they said XXXX XXXX va but post office said they do n't deliver to the address that they pick their mail up. Well my payment sat at post office from XXXX XXXX/XXXX/16 until they picked it up XXXX/XXXX/16 which made them show my payment late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes