Date Received: 2015-08-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I refinanced with XXXX in XXXX of 2015. They sold my mortgage to Freedom Mortgage and so the nightmare began. After my XXXX payment I received a late payment letter dated before my payment was late. I sent proof of payment from my bank but it did not stop their pursuit to a DEFAULT. They have lied, been rude and are duplicitous. What they say on the phone does not match what they say in their next letter.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2015-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-17
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am able to pay my mortgage to Freedom. This is regarding Freedom soliciting a new refi. They called me at least XXXX times. The final time, I accepted. Then they took like XXXX months tostart the process, so I cancelled the refi. Nowthey are uncooperative. I understand that I am still aFreedom mortgagee, however they have beenuncooperative.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2015-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB.
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have a loan through Freedom Mortgage - XXXX months ago I applied for HARP- I sent in all documents that Freedom request- XXXX weeks ago ( XXXX/XXXX/15 ) I found out via email that the loan had been closed on XX/XX/2015- no explanation given- XXXX days prior to receiving an email from the loan processor I was informed that I would have to pay {$130.00} at closing- if I agreed they would continue with the loan- I asked what the {$130.00} was for - no answer- I was dealing with XXXX XXXX with XXXX and the next thing I received was an email from the loan processor telling me that the loan was closed did not give me an explanation nor a date of when the loan was closed - sent emails and left messages - no response from XXXX. I request to speak to his manager- XXXX XXXX XXXX XXXX assured ( XXXX XXXX informed me the loan was closed on XX/XX/2015- had I not received a notice in the mail ) I informed him that I had not received a notice via US mail and if the loan was closed on XXXX/XXXX/15 why was I still receiving emails from the loan processor regarding payment of {$130.00} at closing and I was informed by the loan processor that the loan was not closed- XXXX XXXX assured me that he would find out what was going on- spoke with XXXX XXXX who tried to blame the closing on the loan on me stating that I had not sent in all required documents- tried to explain that I never received an request from XXXX XXXX or his XXXX loan processors I was dealing with- XXXX XXXX stated that I did not send in the name of the HOA or the amount I paid monthly- XXXX XXXX was informed from the first day that I did not have a HOA or paid dues- I received an email from XXXX XXXX on Monday XXXX/XXXX/15 asking if I had been informed of {$180.00} that was one of the issues with my HARP loan ( which was closed on XXXX/XXXX/15 ) - sent an email informing him I did not know anything about {$180.00} and what other issues - I have not received a phone call or a email from XXXX XXXX or Freedom Mortgage- the lack of response and keeping me hanging for XXXX ( nearly XXXX months ) without an explanation or an effort to move forward with a HARP modification loan. Freedom Mortgage does not take responsibility for their mistakes and lack of communications but now I feel I have been discriminated against. I would like Freedom Mortgage to answer my questions regarding all issues I have had with their company.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-15
Issue: Settlement process and costs
Subissue:
Consumer Complaint: We refinanced our mortgage with our lender, Freedom Mortgage, on XXXX/XXXX/15. For the convenience of the settlement agent, the closing was held at the XXXX in XXXX, CT. We were given only a copy of the HUD-1 ; we have no other documents, including the mortgage or note. XX/XX/XXXX, I contacted VP XXXX XXXX, who expressed surprise that copies of all documents were not given to us at closing ; he promised that we would receive the documents. To date, we have not received any documents.
Company Response: Company chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-15
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I began working with XXXX XXXX and XXXX XXXX in XXXX 2015. Several times during the mortgage preapproval and application process I was told that I would receive communication back, either via a phone call or email, however, I did not. Having waited for said contact on multiple occasions over two months, mortgage rates have now risen. Because of their inability to follow through on what they said they would do, and the lack of communication on their part, I had to pursue my mortgage application with another company at a higher rate. My last conversation with XXXX XXXX ended on XXXX XXXX, 2015. He stated at the end of our conversation that I would receive a call back later that day. To date, I still have not received any contact. On several occasions, I had to call his office multiple times in one day. Specifically on XXXX XXXX, 2015, I called XXXX ; XXXX in the morning and XXXX at close of business, only to be told that I would receive a call back both times. I never did receive that call. Instead XXXX XXXX sent me an email to call him the following morning. Since I began the mortgage process, I have been pursing the XXXX Achieving the Dream product with the 3 % Down Payment Assistance Loan. Since XXXX 2015, the rate has held steady at 3.375 %. However, on XXXX XXXX, 2015, the rate rose to 3.5 %. Because I waited to hear back from these award-winning employees, I am now locked in at a higher rate, thus spending XXXX more over the life of my mortgage. I now highly regret engaging in contact with XXXX, believing that I would receive timely correspondence. During the course of my career, I have been trained to spot regulatory violations and this XXXX is glaringly obvious. It is exceptionally unfair that I am now subject to the higher rate and thus more money out of my pocket, because I waited for contact me back. Had these loan officers followed through not only in communication, but with my application, this could have been avoided. Furthermore, having sent XXXX XXXX and XXXX XXXX the XXXX pieces of information that constitute an application and receiving no response to date, this is clear violation of the service level agreements set forth by RESPA statute. I have attached a timeline of events depicting the correspondence between XXXX and myself. Emails and phone records are available upon request. I want to know what XXXX will do to rectify this situation.
Company Response: Company chooses not to provide a public response
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2015-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We carried a mortgage with another company and then found out that our mortgage had been sold to a company called Freedom Mortgage. We hit hard times when my husband lost his job after XXXX years. We went to our mortgage company and tried to modify our loan until we could get back on our feet, sent us paperwork to fill out and send back in which we did with our documents, we faxed them continuously and we mailed them, each time they told us they never received our documents. We in return resent documents time and time again and with no fail was told they did not receive them. We then had to go through mediations and worked with a lady named XXXX and explained to her what was going on, she also faxed the documents to the company and once again they said they did not receive them. Now we have to go through loss medigations because our home was being foreclosed on. We went to Save the Dream for help and sent in paperwork and was told that they could not help us because we were in foreclosure, this was XX/XX/XXXX, come to find out that they said we did not submit documents to them either. After doing some research I discovered that Freedom Mortgage was a preditory lending company with XXXX XXXX attached to them of course this was after my home, my family home that my parents had built XX/XX/XXXX had been foreclosed on and sold in a sheriffs sell. I feel as though we were set up for failure from the very begining of trying to save our home, we tried to get help in every way we knew how to. Freedom Mortgage never had any intentions in working with us to save our home. We fought with everything we had to save our home just to have it taken away from us. I am XXXX and had told them that and it still did not matter to them. No one should have to go through this even though there are so many families out there that are loosing there homes to companies such as this. We even had to file bankruptcy to stop foreclosure to work on getting help.
Company Response: Company chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My ex left me, she is on the mortgage, she had a restraining order on me for 30 days until court where her complaint XXXX was dismissed. During this time she lived in the house and did n't keep the payments up. So when I was able to get back in the house I begin to make the payments again. I was one month behind at this point. During the past couple months I had been talking to the mortgage company, Freedom Mortgage, and making payments we discussed a repayment plan that initially sounded like a good deal then after further consideration it was determined at the time that this was not going to work. They are saying that I broke an arrangement and now they need two full payments or they will not even talk to me. They changed the terms of the loan which has now put me 3 months past due including the current month and they are refusing to accept any payment from me which has put me in an even worse position because I am doing everything in my power to get it caught up.
Company Response: Company chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2015-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I recently refinanced my home with XXXX XXXX XXXX Bank. Myold financial institution is Freedom Mortgage. During the process, mycounty received a payment for property taxes for the XXXX installmentdue this year between XXXX 2015 and XXXX 2015 from both institutions. The county stated that the payment from XXXX XXXX XXXX Bankwas received first. So because of this, the county stated on the phonethat they were sending the other payment back. Freedom mortgage usesa third party, XXXX, to take ownership of mortgage responsibilities. Ihave called XXXX almost every week since XXXX 2015 to get myamount of property tax payment refunded to me. They have stated thatthey have been waiting for the county to send it back to them so they cansend it to me. XXXX has already established it is owed to me. Ispoke to XXXX, ID # XXXX, a supervisor from XXXX in customercustomer service in mid XXXX 2015 with a representative from thecounty, XXXX, on the phone. She witnessed them tell me that the countyhas already sent the amount of {$1400.00} approximately back toXXXX. As of XXXX XXXX, 2015, XXXX claims that they still have notreceived it and that they would forward the concern. I have constantlycalled them for my refund and they continue to promise that some onefrom XXXX XXXX would get back to me about this matter.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2015-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No