Date Received: 2015-12-11
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: As a veteran I applied to refinance my mortgage under a program to lower my mortgage payment under a program as a veteran. After accepting a fixed mortgage to get out of an adjustable rate I received an offer that would considerably lower my mortgage. It was then ( approximately 2 months ago ) I was notified the my credit report reflected the my loan was in forbearance for 2 months. I did not even have that mortgage for 2 months. My lender did a 3 way call with Freedom Mortgage who explained that this was a problem in their system. Now 2 months later I had a job offer with XXXX suddenly removed. I called them to find out about the correction which has not been made. This is also preventing a current refinance opportunity. Please advise.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Freedom Home mortgage acquired our loan from XXXX XXXX company beginning this month. My husband, XXXX XXXX, is listed on the mortgage with me. When I contacted the office as they state they are unable to locate my insurance information, I was advised they do not have me listed as a borrower and will not speak with me. Advised that I have the loan paperwork showing otherwise and they should produce the original documents which they were unable to do so. They now are not paying the loan insurance that is due to our insurance carrier from our escrow account. Now they are informing me that they are not listing me as a borrower on the account regardless. Please help!
Company Response: Company chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a residential mortgage with Freedom Mortgage for about 7 years. They collect XXXX per month towards escrow. My taxes and insurance come to XXXX per year. This should leave a surplus of XXXX per year yet every year I get a shortage letter and they can not tell me where my money is going. This is the first time I have stopped to research it and I am mad. I realize there should be a 20 % cushion but XXXX plus they want XXXX more as a shortage amount is absurd. I need someone that can get them to be accountable for every dime I gave them towards escrow as they will not communicate with me.
Company Response: Company chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-06
Issue: Settlement process and costs
Subissue:
Consumer Complaint: On XX/XX/XXXX, my home at XXXX VA.was officially closed ( Acct # XXXX old loan number, Va loan, XXXX XXXX , .-XXXX new loan number, FHA, Freedom Mortgage. Freedom Mortgage did a FHA refinance, but since I am a XXXX Honorably Discharged XXXX, I should recieved a Va refinance. I brought XXXX back on XXXX XXXX ( Va loan ) I want a refund from Freedom Mortgage ( FHA over pay ) from XXXX toXX/XX/XXXX for the FHA loan. I am XXXX years old, a senior citizen, and I feel that I was taken advantage of. On XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX Sales and Marketing Representative, Phone number XXXX, I had my new home home, XXXX XXXX XXXX XXXX, I had my new home constructed by this company. I was told by XXXX XXXX that based on my debt to income ratio, I had to rent XXXX in order to purchase XXXX XXXX XXXX XXXX. According to my checking account on XX/XX/XXXX I had, {$34000.00} in my checking account, so my finance statement was not a problem, and I was able to buy a {$240000.00} new home, from, XXXX XXXX. According to XXXX XXXX XXXX XXXX, a finance consultant with, Low Va Rates, Va Mortgage Experts- phone number XXXX, XXXX XXXX XXXX said if anything, I should have been told to do a short sale of XXXX But with about {$23000.00} in repairs and upkeep, and evictions since XX/XX/XXXX, selling sounds lick a better ideal. By the I want a {$23000.00} refund as well.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2015-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am in the process of refinancing my home loan. The previous lender sold my loan to XXXX XXXX. I have requested a " net escrow '' payoff from my new mortgage lender since XXXX XXXX, 2015. There have been several requests since then. I have called in and also faxed in a request several times, with no success. They keep sending me a regular payoff. I had {$2400.00} in my escrow account that was to be deducted from the payoff balance. They keep saying they have processed the request. Two weeks ago they sent out a payoff only showing a balance of {$1100.00} and the property taxes are n't due until next month. Last week I requested documentation that shows what happened to that money and have received no explanation. This delay has caused me to lose my rate lock and now rates have gone up, which is now costing me thousands of dollars in back end interest.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 95209
Submitted Via: Web
Date Sent: 2015-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am a XXXX Veteran since XX/XX/XXXX ( approximately ) and because of this I am exempt from paying state property taxes. Freedom Mortgage ( Lender ) has requested paperwork stating my exempt status. I have sent them the paperwork three separate times and they say it 's not the right information. This is paperwork from country courthouse/government center and is the legal paperwork for this exemption. They are ignoring the status and since the acquisition of the house on XX/XX/XXXX have been charging property tax to the loan.
Company Response: Company chooses not to provide a public response
State: MN
Zip: 55068
Submitted Via: Web
Date Sent: 2015-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-25
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My husband and I applied for preapproval with Freedom Mortgage wherein they submitted an email to my landlord indicating that we had great FICO scores and see no reason why we would n't be approved for a mortgage loan. After providing our driver 's licenses and other identifying information which revealed our ethnicity, we were asked to supply a numerous amount of documentation that was not relevant to the loan application. We were subsequently denied a mortgage loan.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2015-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had started dealing with issues with Freedom Mortgage at the beginning of this year. Approximately XXXX 2015. I was contacted by their company to refinance my current loan with them and decided to proceed. During the refinancing process I was made aware that my hazard insurance was no longer in place. When I called to see why exactly it was not in place I was informed by a customer service representative with freedom mortgage that when they had completed the escrow analysis on my account then did not include the insurance, there for it was not paid. They also stated at this time that they would immediately send the payment and my Insurance would be ok. After continuing this process I was made aware once again by the refinance department ( XX/XX/XXXX ) that I currently did n't have insurance in place, when i explained the issue to them along with customer service and they stated it was not sent out and at this point I had to get a brand new policy because the laps in coverage was too long and that they had begun putting forced place insurance in my monthly payment. I told them I would get a new policy and I did and submitted it to them XX/XX/XXXX. I had paid myself the premium in full and sent them a copy of the declarations page. After serval attempts of sending and contacting them to make sure they received the information they finally did a MONTH and a half later. I asked them at this point to re-adjust my mortgage payments to reflect that I now have my own insurance in place and that took quite some time as well. They has ALSO advised me that they had paid my Insurance ( after i already paid it ) and that I would have to look for the refund from the insurance company ( till this day the insurance company has not received this double payment of {$770.00} there for I have yet to be refunded. Check was sent out XX/XX/XXXX. ( check number # XXXX ) The next call to them to see if my payments were readjusted was on XX/XX/XXXX when I spoke to agent ID # XXXX. At this point the agent had informed me that my new payment was {$880.00} ( and now included escrowed insurance and taxes ) and for some strange reason went up form the original {$760.00}. She had also stated that I had a unapplied balance of {$2000.00} that she would submit a ticket to apply to my account so I would only be due for XXXX 2015 fro {$880.00} and the unapplied would cover XXXX 2015 of XXXX ( why this amount is higher after providing insurance in=s still a mystery ) and XXXX 2015 XXXX. At this point she stated all would be taken care of and to call back in 72 business hours to confirm. Today XXXX/XXXX/2015 I called them to check the status of this credit to my account, and after speaking to XXXX customer service agents ( # XXXX ) and a supervisor they stated there was no notes from XX/XX/XXXX and they had no idea what so ever what I was talking about and that I needed to pay. After asking to have the call reviewed they sent me in circled and said you just have to pay there is no agent id of XXXX or and record that you spoke to someone. Now they have caused me to show late on my credit report and to receive threatening calls and mail about my mortgage when this was their wrong doing and have made very little effort to help me when I constantly calling them to follow up with my issue. They state I 'm showing past due now and refuse to take action to look in to the problem. They take no reasonability or action to help out their customers, also starting the whole story every time is a headache. I need someone to take responsibility and review the entire issue from start to finish and also the refinance department has made no effort to contact me or respond to my emails.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2015-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold from first mortgage to freedom mortgage without my knowledge. I was finally made aware of the change after trying to access my online account with first mortage to make a payment with no avail. I spoke to a representative whom informed me of the changes, and I promptly contacted freedom mortgage. They said they had sent me information, however it was never received because the info was sent to the wrong address. The representative took my new mailng information down, and informed me that I had a 60 day grace period to pay my mortgage. Today less than 30 days later I received a letter from first mortage stating that I was 30 days late on my mortgage, and the information had been sent to the credit agencies. I am trying to avoid a ding to my ( and my co-signers ) credit, due to misinformation provided by my new mortgage company. As well my home is for sale, and will be closing by XXXX XXXX. After speaking with a representative last week, he was made aware of the circumstance, and never made mention of the negative effects that could occurs if I did n't pay. After that conversation I was still under the impression that the 60 day grace period was still in effect and that my credit was still to remain in good standings.
Company Response: Company chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2015-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Earlier this year, I refinanced my mortgage with Freedom Mortgage. In XXXX, my mortgage was transferred to XXXX Mortgage. My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please!
Company Response: Company chooses not to provide a public response
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No