Date Received: 2024-02-18
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Hello, I sent a payment for my XXXX mortgage on XX/XX/XXXX. I have two bank accounts linked to the account. I chose my business account. It took them 10 business days to try to draw the money at which point the account had insufficient funds. They then notified me on the XXXX that payment didnt go through. Then I switched to pay from my personal bank because I have no idea when they will draw from the account. Unfortunately, they claim I selected the same business account. On XX/XX/XXXX they reversed the payment for insufficient funds, claiming the payment request came from the business account. The software doesnt let you know which account you paid from or send you verification. I rectified the problem immediately by deleting the other account from my payment options and only putting my personal account, and then sending the payment through. Freedom mortgage takes 10 days to update the payment status of the account and takes a very long time to draw the money, and their inability to notify me in a timely fashion lead to the late payment. I had never missed a payment in the years that Ive been with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Freedom Mortgage has been swindling from my escrow account for over 3 months, Im a XXXX and total XXXX veteran. This is not the first case of this company doing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to financial hardship there was a flood in my home thus resulting in late on my XXXX payment which was made on XXXX second. I made XXXX payment on XX/XX/year> which is the last date before the account is considered late for XXXX. I received notification from XXXX that my account was 30 days delinquent which is incorrect it was current as of XX/XX/year> and the following payment for XXXX was received less than 13 days later. I respectfully request my credit report be amended to current as all payments were received. I called Freedom Mortgage on XX/XX/year> to address the incorrect reporting on my credit report and XXXX the representative would not listen to me or address my concerns. I asked to speak with a supervisor was told she would transfer me and instead they kept me on hold and then hung up the call. Which I encourage them to pull the call as all calls are recorded for quality assurance and monitoring. The representative was very rude and unprofessional and didnt address my concerns or create a ticket to address my concerns. This resulting in needing to file a complaint. This XXXX payment will hinder my progress with closing/selling my home in the next three weeks thus resulting in impending homelessness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Freedom Mortgage is attempting to extort me out of XXXX dollars to pay a XXXX dollar home isurance. They want XXXX dollars for escrow and they want me to pay XXXX dollars over next year. I have 10 months left on a 5 year XXXX XXXX bankruptcy. In that time, I have never missed a payment with Freedom. Yesterday, I received a letter from them informing me that they will foreclose on my property. I called and they told me that I should just disregard this. I will not do business with a company that has so llittle regard for their customers. When you call their customer service department, they promise to help with issues, but in fact they tell you what they think you want to hear. They are a predatory agency. Freedom mortgage is attempting to raise my mortgage from XXXX a month to XXXX monthly. I have never missed a payment and always have my payment there within the grace period. This company need to be punished to the greatest extent of the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My mortgage was recently transferred from XXXX XXXX XXXX to Freedom Mortgage. While at XXXX we made some additional principal payments which reduced the loan payoff significantly, and at the time of the transfer we had less than 170 payments remaining with a payoff date around XX/XX/year>. The Freedom Mortgage website does not take this into account and shows my payoff as XX/XX/year> and they said that they know its wrong but its just how their website is and they won't fix it. I also can not view the amortization schedule and they want to charge {$10.00} for me to view this information ( which will not even be correct since they don't know when my real payoff date is ). When I called, it took over 45 minutes and 4 transfers just to get to the right department who could not help. The website is full of junk ads for their affiliates and this company seems more interested in selling more services instead of servicing existing ones.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Freedom Mortgage Fails to Timely and Properly Pay Property Taxes, and Manage Escrow Account, Creating Escrow Surpluses and Engaged in Creating Escrow Shortages, Price Fixing, Price Gouging, Harassment & Discrimination Against me. Freedom Mortgage from the onset of servicing this account has made nonstop errors and willful violations of RESPA until this day playing abusing the RESPA violations processes. They have a history of doing this no fines seem to be a deterrent and the Consumers Affairs and/or governing agencies need to address this matter. It is my request and/or suggestion their licenses be revoked. See groups Exhibit 12 attached. See Exhibits 31, 32, 33 attached. Freedom has numerous consumer complaints lodged against it nationally on the CFPBs consumer complaint database. Each such complaint is filed and cataloged in the CFPBs publicly accessible on-line database which can be accessed at the following link : http : //www.consumerfinance.gov/data-research/consumer-complaints. See Exhibits F1, F2, F3 & F4. I have for years now had to file numerous complaints. Spend endless amounts of time to deal with this never-ending problem that is created by Freedom Mortgage. It started from day one when they stated to service this account. I received an erroneous letter dated XX/XX/XXXX from Freedom Mortgage a copy of letter is attached See Exhibit XXXX. I notified Freedom Mortgage of the errors on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, See emails attached Exhibit 8, Exhibit 9, Exhibit 10. I Received an email Freedom Mortgage on XXXX XX/XX/XXXX see email from Freedom Mortgage it is attached See Exhibit 11 I contacted Freedom Mortgage about the correction of errors on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an email Freedom Mortgage on XXXX XX/XX/XXXX see email from Freedom Mortgage saying they could not move forward because a document they previously on a phone call and email said they had received it is attached was missing. See Exhibit 16. I received an email Freedom Mortgage on XXXX XX/XX/XXXX see email from Freedom Mortgage saying they did not know what the pending or, what the correct mortgage payment due was, because they were without a supervisor it is attached See Exhibit 17. I contacted Freedom Mortgage on XXXX XXXX XXXX asking to please tell me the current months mortgage payment amount due see Plaintiffs email it is attached See Exhibit 19 I contacted Freedom Mortgage on XXXX XX/XX/XXXX asking them to please tell me what the current months mortgage payment amount due. And explained what the property taxes should be. And requested that the escrow surpluses be returned in accordance to RESPA 1024.17 ( e ) ( 1 ) ( ii ) ( 2 ) Surpluses. And again, requesting the authorization form see Plaintiffs emails it is attached as TAR FORM ( TAR-2516 ) " AUTHORIZATION TO FURNISH TILA-RESPA INTEGRATED DISCLOSURES AUTHORIZATION '' See email sent attached See Exhibit 20. I contacted Freedom Mortgage on XXXX XX/XX/XXXX who maintained that they did not receive the alleged escrow shortage payment XXXX even though XXXX it shows on their books See Exhibit 5. A pattern that keeps reoccurring even when the Plaintiff pays any escrow shortages in full Freedom Mortgage claims that they did not receive it. They also make false and misleading responses to CFPB and to me in an attempt to do plausible deniability one of their practice 's. I explained what the taxes should be. See Exhibit 21. Freedom Mortgage is being ran like a Racketeer Influenced and Corrupt Organization. As defined in Title IX of the Organized Crime Control Act of 1970 ( Pub. L.Tooltip Public Law ( United States ) 91452, 84 Stat. 922, enacted October 15, 1970 ), and is codified at 18 U.S.C. ch. 96 as 18 U.S.C. 19611968. I email Freedom Mortgage on XXXXXXXX XXXX XXXX XXXX XXXX XXXX which still had errors. See Exhibit 23. 24 I requested that Freedom Mortgage stop the numerous RESPA violations that were occurring. See Exhibit 25. I contacted Freedom Mortgage XXXX XX/XX/XXXX. And explained the importance of the authorization form which still not received. Plaintiff explained that the numerous errors were exacerbating a current illness. See Exhibit 26. I contacted Freedom Mortgage XXXX XX/XX/XXXX and notified them of more numerous errors occurring as well as again provided new material information as defined in 2012 Real Estate Settlement Procedures Act ( Regulation X ) Mortgage Servicing Act. I was receiving numerous statements that were erroneous and conflicting. I received statements that were indicating that I was in default as well as double billing was occurring while in fact there was an escrow surplus. The Mortgage payment was never late nor was there any shortage of escrow or payments. The amount paid exceeded the amount due because of the numberless errors that kept occurring and which are occurring to this day nonstop. See Exhibit 28. I provided previously and explained it to no prevail what the property taxes were as well as that there was a surplus not a shortage of escrow, that the statement billing and amounts being paid were higher than what the monthly payment should be. See Exhibit XXXX. I received a letter dated XXXX XX/XX/XXXX from Freedom Mortgage after he had served notice Freedom Mortgage to cease and desist from willfully violating RESPA and to cease desist from harassment and discriminating against him as per Federal Stalking and Harassment. Laws 18 U.S. Code 2261A - Federal Stalking Laws. Freedom Mortgage letter is willfully noncomplying with the notice they were served with and have recognized. Freedom Mortgage has a history of harassment and discrimination. In XXXX, the CFPB found that Freedom Mortgage had intentionally misreported HMDA data about applicants race and ethnicity. See Exhibits 31, 32, 33. I sent a response to Freedom Mortgage 's letter Dated XXXX XX/XX/XXXX. Notifying them they now are willfully misusing Section 805 ( c ) : CEASING COMMUNICATION and now was inferring that the Plaintiff " a consumer refuses in writing to pay debt '' to cease and desist from doing so. I again explained the errors and violations of RESPA occurring and that the Mortgage is over paid there is a surplus of escrow, and a violation of Continuity of Contact 12 CFR 1024.40 See Exhibit 34. I received a letter from Freedom Mortgage dated XXXX XX/XX/XXXX XXXX stating that there was a surplus of escrow because of the prior property tax billing error. Freedom continued to make errors or willfully muddied the waters to create the illusion that the tax error was resolved in ignorance to information provided explaining that there was not just a surplus because of prior errors. That there was an even larger surplus because of the partial tax exemption. See Exhibit 35. I contacted Freedom Mortgage on XXXX XX/XX/XXXX again explaining to them that there are errors occurring and that the property has a partial tax exemption. Plaintiff again provided Freedom Mortgage with a copy of the letter from the tax assessor. See Exhibit 36. I contacted Freedom Mortgage on XXXX XX/XX/XXXX again providing them with the correct tax information and the correct balance of the surplus. See Exhibit 37. I received a letter from Freedom Mortgage dated XXXX XX/XX/XXXX which was also erroneous. Freedom Mortgage again muddies the waters. Also note they said " partial exemption ''. The surplus is more then what is mentioned in the letter also note that they said " will be sent directly to you in the amount of {$1000.00}. '' And they also stated " there was a surplus in the of {$170.00} with the new payment {$1200.00}. effective XX/XX/XXXX. See Exhibit 38. I contacted Freedom Mortgage on XXXX XX/XX/XXXX and asked them in a written request asking who owns the mortgage. The servicer has an obligation to provide me, the name, address, and telephone number of who owns the loan. In compliance to Requests for Information 12 CFR 1024.36 The requirements set forth in 12 CFR 1024.36 apply to any mortgage loan, as that term is defined in 12 CFR 1024.31. and as in 12 U.S . Code 2605. Freedom Mortgage has refused to comply or furnish that information until this time. Freedom Mortgage had to respond with an answer within 30 business days and continues too willfully violate the laws pertaining to the request. See Exhibit 38 B. Information Requests Regarding the Identity or Contact Information of the Owner or Assignee of a Mortgage Loan If the information requested is the identity or contact information of the owner or assignee of a mortgage loan, determine whether the institution complied by identifying the person on whose behalf the institution receives payments ( 12 CFR Part 1024, Supp. I., 1024.36 ( a ) -2 ). I contacted Freedom Mortgage on XXXX XX/XX/XXXX. In another attempt to get the numerous errors ones corrected occurring on a daily basis. And again, explained the errors and the fact that he has spent endless hours days and time on getting the numerous errors corrected. Freedom Mortgage had admitted that they did receive XXXX from the XXXX of XXXX which they had previously said would be returned directly to me. Freedom Mortgage had willfully paid the quarter of taxes even though there was a surplus and a refund once again mudding the waters to create a desired effect. To obtain that money as well and to continue in the willful actions under the cover of an error exploiting the situation and willful violations of RESPA as plausible deniability to continue in at bear minimum in their never-ending errors in servicing the mortgage. Freedom Mortgage then created an additional surplus while billing me as a shortage. In the amount of XXXX is grossly mismanaging the taxes account while representing in a letter sent by them that the XXXX of XXXX would be refunding directly to me. Freedom Mortgage then claimed that that overpayment to the city tax officials was part of the refund of the check for the amount of XXXX creating yet another error. Freedom Mortgage continued to bill me the wrong amount and increased my monthly payment for what they claimed was an escrow shortage when in fact there was no such shortage there was a surplus that Freedom Mortgage was well aware of or notified about. There was no taxes due there was a refund due the taxes were over paid. Freedom Mortgage was also double billing the me. Freedom Mortgage at the time who was the servicer then tried to blame the previous servicer XXXX for the errors Freedom Mortgage was doing including the denial of the so-called shortage. Freedom Mortgage then willfully abused a government program to assist the public during Covid 19 Pandemic. Freedom Mortgage was also reporting incorrect information to credit reporting agencies causing harm to the Plaintiff and effecting his credibility. In violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). Freedom Mortgage created harm so that I could not obtain a lower interest rate or obtain any equity out of the property. Freedom Mortgage was reporting that the Mortgage was being paid sluggishly and payment and/or payments were not received before a 16 day grace period which they would again misrepresent a month ago. See Exhibit 39. I contacted the City Tax authorities and Freedom Mortgage XXXX XX/XX/XXXX to get the errors corrected. Freedom Mortgage was blaming the City Tax authorities for their error in over paying the taxes even though they were notified in writing of what the correct taxes on the property was as had acknowledged there was a surplus. However, Freedom Mortgage inexplicably made a tax disbursement instead of refunding me. Freedom Mortgage was claiming they did not know what the taxes were and that they could not get in touch with anyone at the taxing authorities. See Exhibits 40, 41 & 42. In frustration filed a complaint with CFPB on XX/XX/XXXX. See Exhibit 47 Freedom Mortgage responded as Exhibit 47 shows. In their response they made false and misleading statements to CFPB and to me. They blamed the taxing authority for billing me even though they were provided with the correct information numerous times by me. They also stated that they sent a refund of {$4300.00} on XX/XX/XXXX when the check they received on XX/XX/XXXX exceeding XXXX024.17 ( e ) ( 2 ) Surpluses. See Exhibit 48. Freedom Mortgage also made false and misleading statement that they had received the refund " on XX/XX/XXXX. See Exhibit 49. I then received from Freedom Mortgage a statement claiming there was an escrow shortage of {$1500.00} on a statement from Freedom Mortgage dated XX/XX/XXXX in which they claimed was because of the taxes, which was already paid by the Plaintiff. On XXXX XX/XX/XXXX I paid XXXX XXXX Tax collector {$1800.00}, on XXXX XX/XX/XXXX I paid XXXX, on XXXX I paid XXXX to the XXXX XXXX Tax collector because of Freedom Mortgage 's willful negligence and/or continuous errors that are still occurring to this date and time. Therefore, there could not have been a shortage for a bill that did not exist. In fact, the taxes were over paid and there was a surplus at that time. See Exhibit 51 I knowing what they were up to and familiar with pattern that Freedom Mortgage was engaging in. Went to a public notary and paid the shortage in full with a cashiers check attached was the lump sum payment coupon provided on the statement. Plaintiff gave specific instructions what the payment was for and sent it to the address on the statement which said where to mail the payment to. It was sent priority mail with a tracking #. See Exhibit 52. Freedom Mortgage continues to skillfully disregard my option to pay any escrow shortages in a lump sum. I without a doubt paid the alleged shortage in a lump sum and opted out of having it broken down in 12-month installments or to have it added to his monthly mortgage billing to keep the payment lower. Even when I pay the alleged shortage in a lump sum Freedom Mortgage denies receipt of the lump sum payment. Creating willful errors so that I have to spend endless amounts of time to get it corrected. This is a violation of Regulation X, such as a lump sum payment option. 12 CFR 1024.17 ( f ) ( 3 ) ; 12 CFR 1024.17 ( i ) ( vii ). Freedom Mortgage continued bill me at the 12-month installment plan in disregardful such mechanism and continues to do so or make such errors. See Exhibit 55. Freedom Mortgage continued to make false or misleading statements to me and CFPB without any regard in their lawlessness. One of such is " the XXXX XXXX XXXX Collector 's website, they credited you with a 100 % tax exemption for your XXXX tax liability " and " Your home owner 's insurance premium also increased from {$820.00} to {$1.00} XXXX " and " We have not received any payment from you to be applied to the shortage as of the date of this response. " Freedom Mortgagee continues to make derogatory and defamatory statements while alluding to the facts causing further harm to the Plaintiff. I contacted the bank and did research to track the payment of {$1500.00} which Freedom Mortgage claimed they did not revive and determined it was cashed at XXXX XXXX XXXX XXXX. And contacted them they refused to tell the me if it was cashed by Freedom Mortgage or who had cashed it. See Exhibit 62. I received a letter from Freedom Mortgage dated XX/XX/XXXX which the letter stated egregious erroneous statements and in which Freedom Mortgage still maintained that the lump sum balance was not paid. See Exhibit 64. Freedom Mortgage continued to make false and stated egregious erroneous statements to me and CFPB. Then said " Regarding the lump sum payment, you did remit {$1500.00} on XX/XX/XXXX which represented the escrow shortage from escrow analysis dated XX/XX/XXXX. However, the payment with a principal curtailment was inadvertently applied as a regular payment with a principal curtailment and the monthly payment was not adjusted '' Another mistake and then Freedom Mortgage made another mistake and increased the monthly payment from, {$1000.00} to {$1100.00} a difference of XXXX per month. See Exhibit 68. In addition to that once again Freedom Mortgage had over charged the me {$410.00} and created a surplus that had to be refunded. I filed two more complaints with CFPB XXXX and XXXX. And once again to no prevail the error was not corrected. And the same patterns that Freedom Mortgage has been engaging in and has a long history of such patterns of what is being described. On XX/XX/XXXX I again served Freedom Mortgage about the never-ending errors upon errors of the errors that has been going on for years now. See Exhibit 69. I in a clear and precise mannerism notified Freedom Mortgage to " cease and desist comply and conform without delay. '' I then received a notice that is a very clear indication and proves intent that Freedom Mortgage was not going to comply or conform in fact they were going to double down on it and created the newest error. In which they would again say there is an escrow shortage in the amount XXXX date of the notice XX/XX/XXXX. In which they also make another one of those so-called errors and make a mistake as to what the current payment is and tack on top of the current payment and additional {$220.00} to begin by XXXX XX/XX/XXXX. Mistaking the current payment which is without a doubt and as the facts will show XXXX not XXXX. Making the new alleged {$1000.00} lump sum option which if we do the math comes to {$91.00} if we divide it by 12 months. Making it {$18.00} difference from the erroneous called current monthly payment {$1300.00}. The current payment which they have stated which is in no doubt is XXXX as the as the without a doubt and as the facts will show XXXX and not XXXX. Making the new alleged {$1000.00} lump sum option which if we do the math comes to {$91.00} if we divide it by 12 months. Making it {$18.00} difference from the erroneous called current monthly payment {$1300.00}. The current payment which they have stated which is in doubt was XXXX. My taxes have not gone up and my insurance cost went down. See Exhibit 73 & 74. I paid the previous alleged escrow shortage in full which ended up in a surplus of {$410.00} which Freedom Mortgage paid to me ck # XXXX. And a refund that the City Tax collector had to have a Common Council vote to refund the overpayment of {$410.00} and issue XXXX XXXX XXXX # XXXX Freedom mortgages newest stunt is that they now did not know what the current mortgage payment was which wasXXXX and not XXXX that there is shortage for the same reason of the prior shortage paid in full because that there was partial tax exemption on the property and not a full one which they as provide knew from the onset. That same escrow shortage paid in full that they said they did not get then later said they made an error. That now there is a shortage of XXXX and to top it off they make a mistake as to what my mortgage payment was prior to the new charade which was XXXX and not XXXX. They have now jacked it up to XXXX. I have served them certified mail they continue it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX I requested that my online account information be updated to reflect payment received on XX/XX/XXXX in the amount of {$1500.00}. Please see the attached verification from XXXX XXXX XXXX that the transaction was completed on XX/XX/XXXX. Funds in the amount of {$1500.00} were transferred to Freedom Mortgage on XX/XX/XXXX. In addition please see verification from XXXX XXXX XXXX of payment transaction in the amount of {$210.00} to be completed at XXXX on XX/XX/XXXX to satisfy the outstanding balance created by an increased escrow amount. It has been 15 days since Freedom Mortgage company has been in possession of {$1500.00} which was identified in the electronic transaction as payment on account XXXX. Failure to update their records to reflect an outstanding balance of less than {$200.00} dollars appears to be an intentional effort on to create a default on my loan. When searching for a means to contact the company electronically to provide evidence of payment I located the email customercare XXXX XXXX. Emails sent to that address were returned with a message indicating unauthorized to send to this address. Information available when speaking to a representative reflects that a payment has not been received in XXXX although the company received payment of {$1500.00}. Another payment in the amount on {$200.00} has been scheduled to be electronically transferred within less than XXXX hours. The company is creating a situation wherein their records reflect that I have not made any payments since XXXX and I am potentially at risk of having defaulted on my loan. Once that process has begun I will be charged late fees and experience difficulties in satisfying my financial responsibility to the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Good afternoon, I took this mortgage out on XXXX of XXXX. When my mortgage was issued my monthly mortgage payment was {$1900.00} and at the birth of this mortgage I submitted my Property Tax Exemption due to being XXXX XXXX XXXXXXXX Veteran. I provided my mortgage servicer the letter issued from XXXX XXXX XXXX XXXX XXXX. Note : I set up auto payment to post on the XX/XX/XXXX from my bank XXXX. Now it's XXXX, XXXX, XXXX and Freedom Mortgage withdrew {$3700.00} from my checking account. Note, I was Never notified that this money was going to be withdrew from my account. I immediately called my bank, put a freeze and informed them this was Not authorized. I also called Freedom Mortgage and asked why was my money taken without my permission? This is when I first became aware of the Property Tax issue. My bank was able to return my fund. Freedom Mortgage informed me that my property taxes were paid to XXXX XXXX in XXXX of XXXX. Due to my account not having escrow funds to pay the property taxes they forwarded that bill to me and increased my monthly mortgage. May it be noted that Freedom Mortgage already had my property tax exemption letter due to my XXXX XXXX VA XXXX. On XX/XX/XXXX I finally received the check from XXXX XXXX XXXX XXXX and I made a payment of {$5900.00} which was to go into my account for the Property Taxes paid XXXX of XXXX. I have provided bank statements showing that I have continued making monthly payments on the 1st of every month. Freedom Mortgage continues to show my account as delinquent and the amount I pay is not enough to cover the amount they show. Each and every month Freedom Mortgage has changed the amount of my mortgage payment. I am asking if your office can please help correct my monthly mortgage. My mortgage prior to this mistake was {$1900.00}. Now Freedom Mortgage is saying my monthly mortgage is over {$2200.00}. I have called my Home Owners Policy carried by XXXX and it has not incresed to justify the increase. I have called and emailed Freedom Mortgage just about every month since XX/XX/XXXX trying to get this issue corrected. If you have any questions, feel free to contact me. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Last year, I was struggling to pay the mortgage after I came down with XXXX for a few months and couldn't work. I am a XXXX Veteran with a VA mortgage. I called Freedom Mortgage and they told me ( on recorded lines ) that I could take advantage of the Covid relief program and it specifically would NOT require me to pay a lump sum after it was up, nor would I have to go under a modification. The terms explicitly told to me over the recorded line was that " The several months would just be added on to the end of the mortgage and payments would resume as normal. '' I confirmed this multiple times during the call. Come to find out a few months later, not only had that program expired when the licensed agent told me that information, but the mortgage company wouldn't do anything about it and told me I had to pay ~ $ XXXX lump sum to catch up on my mortgage or modify it - the exact opposite of what I was specifically told. I fought with them and the best solution they offered was " we'll coach the agent so that they don't give the wrong info. '' I kept fighting it and eventually had to get a lawyer. During this time, the mortgage went unto foreclosure and legal fees were then applied on top of the lump sum. I was able to get enough money to cure the loan and bring it back to current. I verified XXXX times over the phone and even had a statement directly from Freedom Mortgage saying the loan was cured in full. XXXX months later, I get another letter telling me that I now owe $ XXXX in MORE legal fees! Freedom Mortgage did not know what these fees were, just that they were applied to the account. I refused to pay them and have the lawyer involved again. I am about to take this garbage company to small claims court because they keep giving me false information, they have the recordings and legal letters, and yet they refuse to back down from this racket. They told me my loan was cured, I paid off EVERYTHING in the bill from the law firm, and they keep trying to gouge me. I want action taken against these mobsters and get my extra fees refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: THIS IS NOT A DUPLICATION BUT A NEW COMPLAINT OF ISSUES THAT OCCURRED AFTER I FILED THE FIRST COMPLAINT. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just professional courtesy please and thank you. Related to Complaint number XXXX I am writing to bring to your attention ongoing issues with my mortgage servicer, Freedom Mortgage , and to seek the assistance of the Consumer Financial Protection Bureau XXXX CFPB ) in addressing these concerns. On XX/XX/2024, I emailed the CEO and the teller concerning the correspondence I received from Freedom Mortgage dated XX/XX/2024. In this letter, there were numerous inaccuracies and misleading statements, including the assertion that my " package '' was sent to loss mitigation assistance and subsequently to underwriting. This is particularly concerning given that there are no modification programs suited to address VA mortgage issues, and a new VA modification program has not been announced for VA-backed mortgages. Despite my request for an accurate and detailed letter outlining the current status of my situation, Freedom Mortgage has yet to respond. Furthermore, the law firm representing Freedom Mortgage filed to vacate the Final Foreclosure, and I have yet to receive a copy of an executed New Jersey XXXX XXXX XXXX XXXX XXXX 's order to vacate. To my dismay, upon checking XXXX on XX/XX/2024, my home at XXXX XXXX XXXX XXXX XXXX NJ XXXX was still listed on the foreclosure list. This oversight by Freedom Mortgage is not only embarrassing but also damaging to my personal and professional reputation. I demand the immediate removal of my home from all foreclosure real estate listing companies. Despite receiving correspondence from Freedom Mortgage that gives the appearance of communication, the only response I've received is from the above CFPB complaint ( XXXX ), riddled with untrue statements. This lack of accurate and transparent communication is deeply concerning, especially considering my health challenges, which include multiple XXXX XXXX XXXX XXXX and ongoing battles with XXXX illnesses. I am not seeking to be difficult but rather to ensure that Freedom Mortgage fulfills its obligation to provide clear and truthful information to its customers. Given the ongoing challenges, I am requesting the CFPB 's assistance by assigning a monitor to ensure Freedom Mortgage refrains from retaliatory tactics and focuses on providing valuable service to a XXXX veteran homeowner. I appreciate your attention to this matter and your assistance in resolving these issues promptly. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A