Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir/ Maam To whom it may concern, I have a few late payments to my XXXX # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XX/XX/XXXXunexpectedly. Her XX/XX/XXXXwas and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. Her XX/XX/XXXXunfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XX/XX/XXXX. The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, XXXX, and XXXX to rectify the credit issue. Thank you in advance for your assistance to resolve my situation. XXXX XXXX XXXX XXXX XXXX. XXXXXX/XX/XXXXXXXX XX/XX/XXXXMD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through XXXX. We got it the day before our first payment was due. At this point we were already set up for payments with Freedom Mortgage so we paid Freedom Mortgage on XX/XX/XXXX. The money was taken out on the XXXX, but was never transferred to the new servicer. They said we could pay them up until the XXXX. After the XXXX we pay XXXX, as it was transferred on the XXXX of XXXX. We let XXXX know and gave them to confirmation number on the XXXX after we made our payment. My husband has called Freedom Mortgage every week since the XXXX of XXXX asking about the transfer and each time they say we have a different amount of days to transfer. One time it was a week, another 45 days, another 60 days to transfer it all starting at the date of the call. They keep giving him vague answers and keep giving excuses for why it wasnt transferable. The first excuse was that it was a holiday so it would take longer to transfer. Another was that we owed in XXXX but our first payment wasnt until the XXXX of XXXX. At this point Im concerned this isnt going to get resolved.
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: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with Freedom Mortgage, XXXX XXXX XXXX XXXX, MI XXXX. In XXXX, my home sustained considerable damage due to a hail storm. I submitted a claim with my insurance carrier, XXXX XXXX. Within a week, my insurance company issued a check for nearly {$50000.00} to make repairs. Freedom Mortgage is an endorsee on the check, along with myself and my wife. I was forced to mail the endorsed check to Freedom Mortgage, via USPS. They received the check on XX/XX/2023. As of this date, I have still not received the endorsed check back from Freedom Mortgage. The unnecessary delays have resulted in additional property damage and have personally cost me more than {$2500.00} to try to make temporary repairs on my home. I have contacted Freedom Mortgage numerous times. They have indicated to me that they intend to " reserve '' a portion of the funds until final inspections are done on the property. The problem is that contractors are telling me that they will not consider starting repairs until they are guaranteed payment. Freedom Mortgage does not return phone calls and often keeps me on hold for 30-45 minutes without answering calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: FREEDOM MORTGAGE IS THE NEW SERVICE PROVIDER AFTER ACQUIRING MY 25+ YEAR XXXX XXXX HOME MORTGAGE. THERE'S SEVERAL PROBLEMS. XXXX XXXX ( OWNER OF FREEDOM MORTGAGE ) TRIED TO COMMIT FRAUD ON MY PROPERTY BY IMPOSING A 2ND MORTGAGE OVER 10+ YEARS AGO. AND GOT CAUGHT. THE FEDERAL JUDGE ORDERED " NO CONTACT ''. WELL, I DO NOT PLAN ON BEING SENT TO FEDERAL PRISON FOR A MINIMUM OF 20 YEARS FOR WHAT FREEDOM MORTGAGE DID, ACQUIRED MY LOAN. I AM FULLY AWARE THAT MORTGAGE TRANSFERS ARE COMMON PLACE, WITHOUT ANY OBLIGATIONS FOR A CLIENT/CUSTOMER TO STOP SOMETHING BEFORE IT STARTED. BOTTOM LINE : FREEDOM MORTGAGE IS GIVING ME A DIFFICULT TIME FOR ME TO GET MY ACCOUNT SET UP. I FINALLY GOT MY LOAN NUMBER... HOWEVER, THEY HAVE BLOCKED ME ACCESS FROM ONLINE! I CALLED BACK, AND THEY TOLD ME BASICALLY " OH WELL '' AND LAUGHING ABOUT IT. THIS IS NOT FUNNY, THIS IS TOTALLY UNPROFESSIONAL. IT IS CONSIDERED RUDE AND ILLEGAL TO BLOCK ACCESS FROM THE CLIENT! THEN TO SUM IT UP, THEY ARE SENDING EMAILS TO A NO LONGER IN USE EMAIL ACCOUNT AND " CLAIMS '' THAT XXXX XXXX GAVE IT TO THEM. XXXX XXXX DID A RESEARCH AND FOUND THE EMAIL THAT I AM USING PRESENTLY IS REGISTERED AND ASSOCIATED WITH THE MORTGAGE. THEY ARE A BIT PUZZLED, UNLESS SOMEONE REVERTED TO WAY BACK, YEARS AGO, AND DECIDED TO USE A DEFUNCT EMAIL ACCOUNT AND BEGUN TO SPAM ME TO DEATH? REALLY?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Imagine putting your life savings into purchasing your dream home only to have it taken from you due to identity theft, a bank only interested in harvesting your deposit, and opportunistic real-estate investors swooping in and leaving you homeless. We are living this nightmare. We bought a house. We are XXXX and XXXX XXXX. In XXXX, the day after XXXX, we drove our XXXX small children and everything we owned 14 hours from XXXX XXXX to XXXX XXXX in hopes of a brighter future amidst the recession. XXXX got a job at a XXXX, quickly rising to XXXX and spending the next ten years with the company saving all the money we could from our combined incomes. Ten years passed and finally, in XXXX as we both approached our XXXX we had finally saved enough ( {$80000.00} ) to fulfill our dream : to provide a home for our family. We found the perfect house in XXXX. Neither of us came from backgrounds that made purchasing a home feel realistic. During XXXX childhood homelessness was a constant fear. Purchasing our home was a milestone and we were proud to set this example to our children : If you work hard enough you can achieve your dreams. It was the American dream come true. It was pure bliss. XXXX began working as a XXXX. Our new combined income was nearly {$7000.00} a month and our mortgage was a monthly {$1900.00}. We paid every month through the app. It was perfect until late XXXX. Thats when our financier XXXX XXXX XXXX began saying our payments were delinquent. We contacted them several times, as our payments were indeed leaving our account monthly and on time. They assured us this was an error on their part and we had nothing to fear. Things went back to normal for a bit, then we got the same notification : DELINQUENT. Again they assured us it was simply their system error. But then our credentials to log into their payment app were denied. We called XXXX XXXX and were told this was because they had sold our mortgage to FREEDOM MORTGAGE. They assured us this was normal and happened from time to time but they had neglected to let us know. We had received XXXX communication. We got in touch with FREEDOM and set up our monthly payments with them and continued to pay our monthly mortgage on time in full. For a while things were fine, then we got the red flag again : DELINQUENT. Again, our money was leaving our account. They were taking the money and saying we had not paid. Like XXXX XXXX before them, FREEDOM assured us this was an error in their system and we had nothing to fear. Eventually this became a monthly issue where they would take our payment then say we were delinquent then backtrack and tell us it was an error on their part, assuring us it was a problem they were working to fix. In XX/XX/XXXX XXXX was out in the yard when a man approached claiming to be a real-estate broker and asking what our plans were to vacate our home. He said he had listed our house for sale. He showed us the website where it was listed. This shocked us. We were still paying our mortgage and had received no communication of foreclosure. FREEDOM was processing our payments every month. We called FREEDOM. They said the man must be a scam. They assured us everything was fine. They were, after all, processing our mortgage payments every month. But the following month FREEDOM denied our mortgage payment, claiming our house was foreclosed in XXXX of XXXX. We ask why they took our mortgage payments for XXXX and XXXX. They dont have an answer. We had been in constant communication with them for months, every month, each time being assured everything was fine. They transferred us from department to department, each phone call lasting hours, much of it on hold. Finally we get a hold of their attorney who informed us our house was flagged for foreclosure in XX/XX/XXXX. We were shocked as we had never received any notice. In XX/XX/XXXX bankruptcy was filed fraudulently online under XXXX Social Security number in a case of identity theft that also racked up substantial credit card debt. The credit cards were shut down as a result. Again, this was identity theft, totally out of our control. We are not bankrupt, nor have we ever been. This fraud is able to be done through a loophole due to the whole COVID ordeal. People can file online without paying any money or providing any documents. The bankruptcy can not be completed unless you provide the proper documents and court costs are paid to process the case. None of that follow up happened as it was fraud and we are not bankrupt. The lawyer told us it doesnt matter if we are actually bankrupt or not because that initial filing is like throwing a stone in the pond. The creditors can see that original filing and make the judgment. As soon as that filing happened and our credit cards got shut down FREEDOM started the foreclosure process. We asked if there should have been any type of notice and they said yes there should have been a foreclosure served to us personally as well as taped to the house. No type of communication was ever received by us. We can prove we are not bankrupt, that we are the victims of identity theft and fraud, but FREEDOM said our only option to retain our home would be to buy it back from them conveniently at a new higher price, in turn demanding a larger down payment. That {$80000.00} original down payment was our life savings. We dont have that anymore. FREEDOM has made it clear that our identity theft nightmare will financially benefit them and they are all too happy to profit. It feels demeaning and insulting. We seek professional help and retain a lawyer who discovers multiple red flags, including records in the county deeds that FREEDOM took the house out of our name and gave it to a brokerage company for sale before the house was officially foreclosed on. We were hoping our lawyers could put a hold on the sale so that we could resume our trial. But FREEDOM was able to sell our home to an independent buyer, real estate investor and realtor XXXX XXXX, who owns multiple properties. As soon as the independent buyer bought the house and passed through escrow FREEDOM mortgage dropped the eviction as we were no longer their problem. The buyer has declared us unlawful detainers. We are unlawful in the home we paid for, the home we never missed a payment on, the home we put our life savings into. Like FREEDOM, XXXX XXXX wants to flip our home for profit and we are in their way. We went to the court to ask for resources but they had nothing that could help us. We went to court over being unlawful detainers and the Judge communicated to their lawyer that this situation was very unfair but unfortunately in that court we still had no case. Our home has been legally sold from under us, taking our life savings and leaving us with nothing. We had to make a settlement to leave our dream home, the only home weve had or could ever afford. This does not detour the main case between us and FREEDOM, but it will render us homeless. Our daughter will move to XXXX to live with her aunt as she finishes high school. Our son is still weighing every possible option. Now we must split our family apart. It is a waking nightmare, watching everything you worked for get wrestled away from you by a system that does not care. Were still trying to fight and we hope there is a slight possibility of us winning against FREEDOM in the form of a settlement. FREEDOM has much deeper pockets than we do. A faint margin of hope that must be fed with legal fees is little solace. Barely a hope. But its all we have. In California there is no black and white real estate case law for our situation. We are at the mercy of a system that has shown they would rather we be homeless than treat us fairly. We keep asking ourselves what did we do wrong? We paid our mortgage. We communicated with our mortgage company, pursuing them for answers even as they gave us false assurances. In the end perhaps the real mistake was falling for this American scam. We bought a house. thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage company is refusing to endorse the final check for repairs made to the house. Payments were broken up into 5 separate checks. Checks 1, 2, and 4 were all endorsed with no issue and only the statement from the insurance company on what the check is for. Check 3 we accidently endorsed before sending it to the mortgage company and it took nearly 2 months for it to be returned to us. We have sent them everything the insurance company included with each check, a statement from the contractor stating we had paid them in full, and a paid in full final invoice from that company as well. Today I sent the statement from the insurance company on what was paid out and why, pics of the work, and a lien release. We still can't get the check endorsed to repay our savings which was used to pay off the contractor. This has been going on for 3 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Freedom Mortgage Corporation XXXX XXXX ) purchased our non-XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. Sometime after the Corporations purchase ; without our knowledge or consent, the Corporation added XXXX XXXX XXXX XXXX XXXX ) to our loan, and listed it as XXXX XXXX XXXX loan. Our prior loan was specifically refinanced to remove the XXXX. Upon the Corporations purchase of the loan ( late XXXX ), the fair market value of the home was between $ XXXX $ XXXX ; and the remaining balance on the loan was less than $ XXXX. Those numbers show a Loan to Value ( LTV ) of 50 % - 45 %. Had the prior loan been a XXXX loan, this does NOT automatically make the current loan a XXXX loan as the LTV is well below the required threshold for automatic removal. Freedom Mortgage Corporation without consulting or notifying the buyer, negligently added the XXXX ( $ XXXX ). Additionally, the Corporation has based their additional escrow holding utilizing the XXXX in their calculations to an additional sum of {$300.00} ; in which it has raised the monthly mortgage payment an additional {$100.00}. We have called Freedom Mortgage twice on this matter and have been bounced back and forth between customer service to insurance and back to customer service ; however, no one will assist. We sent a letter ( USPS tracked ) dated XX/XX/XXXX which was received by Freedom Mortgage on XX/XX/XXXX @ XXXX ; however, again, Freedom Mortgage has ignored this also.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are getting so frustrated with Freedom mortgage. We made a {$2500.00} payment on XX/XX/2023 over the phone. Freedom mortgage withdrew the {$2500.00} from our XXXX bank account ending with XXXX on XX/XX/XXXX and did not credit to my balance till today. Called multiple times, spoke to many of their employees, different answers, provided bank statement shows the withdrawal and still can not get through to them, we are dealing with an incompetent staff. We keep track of every payment we make. Freedom mortgage needs to be investigated, this is considered fraud. In addition, We are still waiting for our repayment plan approval, we sent ppw to them and they always respond that they did not receive it, yet we have confirmations whether it was faxed or emailed to them. We are going to fight until this is resolved even if it goes to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Freedom mortgage reported my account to the Credit Bureaus as delinquent for XX/XX/2023 in XXXX ; I have attempted to make the payment online right before the due date however the company 's web site was down and the payment did not go through. I did reach out to Freedom but they did not do anything ; as a result of that the late payment they reported has impacted me hugely and preventing me from getting a new mortgage on a new property. I masking Freedom Mortgage Inc to remove the incorrect late payment from all the 3 credit bureaus as soon as possible, because it was not my fault. I have never been late before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX case XXXX has been stealing my mail since XX/XX/XXXX. 2022. I contacted XXXX XXXX for months, the XXXX, the XXXX, XXXX and no one has done anything about the mail theft issues. Due to missing mail pieces ( to include my driver 's license ) I have missed out on my VA XXXX, attending jury summons, and other appointments. Due to XXXX XXXX intentionally stealing my mail, I am now dealing with possible deed theft as my deed/owner information is not showing up on the XXXX XXXX tax website. I am an XXXX American, female, Veteran.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A