Date Received: 2023-06-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was approved for a loan modification in XX/XX/XXXX. In XX/XX/XXXX I received a Notice that my house was in foreclosure. In XX/XX/XXXX I received an email that my account was protected and received the loan documents on XX/XX/XXXX but the return deadline was XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Freedom Mortgage Corporation changed the physical address for my property ( without my consent ) to an invalid address. This is now the third time Freedom Mortgage has erroneously changed our home address. This problem occurred in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. The CORRECT address ( mailing and legal / physical ) is XXXX XXXX XXXX, XXXX XXXX CO XXXX. Freedom Mortgage has been provided a letter from the XXXX XXXX CO address manager confirming the correct address and still refuses to take permanent corrective action ( s ). Most recently I've spoken with " XXXX '' ( employee XXXX ) at XXXX who confirmed Freedom Mortgage has the address validation letter from our County. I want Freedom Mortgage to ( 1 ) FIX this problem and ( 2 ) explain to me what steps are being taken to ensure this will not happen again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX and XXXX all listed a bankruptcy 's on my credit repot as accurate. so i contacted the federal court and they informed me in writing how they do not repot or verify bankrupts to any one.so that means my rights are being violated with accordingly from the fair reporting act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27801
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to a recent escrow change in XX/XX/2023, my usual automatic monthly online payment was made in the amount of {$690.00} versus the new increased amount of {$790.00}. As a result, Freedom Mortgage placed my on-time {$690.00} payment in a suspense account and the payment was not applied to my balance. This created a 'late ' payment status that was reported to the credit agencies, causing a significant impact to my credit score. When I reached out to their customer care team, my request to update ( remove ) this late payment status to all credit agencies was declined. I was informed a letter was mailed to me to notify me that my payments were increasing in XXXX. Unfortunately, I did not receive this letter. Had the letter been sent as certified or trackable- or even a different color paper or envelope to differentiate it from the barrage of marketing collateral from Freedom Mortgage - I would have received it and would have adjusted my online banking payments accordingly. I've reached out to the following people, and none have provided the courtesy of an acknowledgement of my request. None of the executives have responded to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Summary Our mortgagee, Freedom Mortgage ( FM ), declared that the wind insurance coverage on our apartment had expired. FM purchased wind insurance on our apartment for which we will be charged until we renew our wind insurance. I provided evidence to FM that our wind insurance had never expired. However, FM has refused to acknowledge that our wind insurance coverage had not changed since our mortgage was originated a decade earlier and will charge us for lender-placed insurance coverage that FM has not demonstrated is needed. Three lengthy telephone calls to FM haven't resulted in FM working with us to resolve this problem. This despite that during the past decade, we have never been late on a single mortgage payment, we have never allowed our insurance coverage to lapse, and we have always paid our property taxes. If FM considers our wind coverage to be deficient, why didn't FM notify us about this deficiency years ago? It's unfair of FM to suddenly claim that our wind coverage is deficient yet to provide no opportunity for us to buy the wind coverage that FM claims that we need before FM purchases lender-placed insurance. How can FM buy wind insurance on XXXX XXXX XXXX that is effective on XXXX XXXX XXXX, a date in the past? There have been no hurricane losses between XXXX XXXX XXXX and XXXX XXXX XXXX. FM has not provided any evidence that our wind coverage became deficient on XXXX XXXX XXXX, so we should not have to pay for lender-placed wind coverage from that date. Despite FM not providing any written requirement for optional hurricane coverage in Hawaii, we agreed to add hurricane coverage to our HO6 policy effective on its renewal date, XXXX XXXX XXXX Details In late XX/XX/XXXX, I received a letter from FM dated XXXX XXXX XXXX in which FM declared that the wind insurance coverage on our apartment had expired and had not been renewed. FM wrote that it had purchased wind insurance on our apartment and that FM would charge us for this insurance until we renewed our wind insurance coverage. After received that letter, I called our XXXX insurance agent, XXXX, to verify that our XXXX policy had wind coverage. Our XXXX agent confirmed to FM in a telephone call that our XXXX has always had wind coverage. FM told us that it considers hurricane and wind coverage to be the same. Our agent explained that in Hawaii, wind and hurricane coverage are not the same with hurricane coverage being optional. No XXXX agent has ever suggested that we purchase optional hurricane coverage. No wind losses as a result of a named hurricane have occurred in XXXX since the XXXX 's. FM told us hurricane coverage is required for Hawaii properties and that we had 45 days to add it. We added hurricane coverage effective on XXXX XXXX, less than 45 days after we were told we must have it. I sent the updated declarations page to FM. In mid-May, I received a 2nd warning letter from FM dated XXXX XXXX. On XXXX XXXX, I called FM to ask whether they had received my updated declarations page showing hurricane coverage as of XXXX XXXX. FM confirmed that they had received it but that my insurance had been deficient since XXXX XXXX XXXX, so I would be liable to pay for FM-purchased wind insurance as of XXXX XXXX XXXX. FM could not tell me why on XXXX XXXX XXXX our wind coverage had become deficient and guessed that our condo master policy must have excluded betterments and improvements coverage as of that date. On XXXX XXXX, I wrote to our XXXX XXXX 's insurance agent, XXXX XXXX, to ask about the condo master policy. She confirmed that the master policy had always covered hurricane damage " as-built '' but never covered betterments and improvements. The only change to the master policy on XXXX XXXX XXXX was an increase in the water damage deductible from $ XXXX to $ XXXX. She advised us not to accept being charged for wind or hurricane coverage. By this point, I had given up being able to work with FM and decided to file a complaint with the Consumer Financial Protection Bureau. On XXXX XXXX, I called FM to request in writing the reason why lender-placed wind insurance was purchased for our apartment effective XXXX XX/XX/XXXX. FM could or would not provide anything in writing. On XXXX XXXX XXXX, I paid our annual premium for XXXX coverage including optional hurricane coverage for the first time. On XXXX XXXX, I filed a complaint against FM with the Consumer Financial Protection Bureau. Attached is a document that includes the 3 FM letters that we received XXXX declarations pages for previous and current insurance condo master policy insurance certificates from before and after XXXX XX/XX/XXXX with hurricane coverage and deductibles highlighted message from our condo master policy agent XXXX annual premium invoice for renewal on XXXX XX/XX/XXXX receipt for the XXXX XX/XX/XXXX payment of our XXXX annual premium
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage was paid in advance through the month of XXXX and when we went to pay the XXXX mortgage we were told not only was the XXXX amount not paid but that also we owed an additional {$800.00} per month starting XXXX. Mortgage amount was {$1600.00}, and they now state it is {$2400.00} per month. We were not notified that this change would be happening until after it already happened. In addition, they initially refused to apply my payment I had already made to the premium for XXXX until after I notified them that I would be filing complaint against them. They are stating the amount owed is over a year old and they are just now discovering this. Per their verbiage used they are treating us like we are default on old payments, when in fact we were ahead. This company texts/calls/emails us on an almost daily basis because they see we have a lot of equity in our home, and they are trying to get us to refinance with them or purchase another property using the equity. We feel this " owed balance '' is an attempt to get us to default on the mortgage. We happen to be fortunate enough to have the money to cover the difference until it can be resolved but we know if they do this to us, they do this to others who can not afford it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Pursurant to 3-501. PRESENTMENT, 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. OBLIGATION OF ACCEPTOR ( b ). This Account has been paid in full and still pending submission of the satisfaction from Freedom Mortgage to file with XXXX deed records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted Freedom mortgage on XXXX regarding late payments on my credit report. It states on my credit report with XXXX and XXXX that I became 120 days late in XXXX of XXXX. I wrote to them asking how this could happen. I do not ever remember missing a payment and especially not 4 months of payments. When did I become 30 days late, when did I become 60 days late, when did I become 90 days late??? How did I arrive at 120 days late in XXXX. If you look at ANY of my mortgage accounts I was NEVER late on ANY of my payments. There has to be some error and this needs fix because it is damaging to my credit score and my character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing because I feel Freedom Mortgage is intentionally delaying my loss mitigation application. The lack of attention to detail and servicing has delayed my application to the extent that I have lost eligibility for several XXXX XXXX XXXX mortgage assistance programs. I have now submitted the loss mitigation application and supporting documentation on 4 different occasions. My first application was submitted XX/XX/2023. I have submitted documents per the request of their loss mitigation specialist on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received no less than 3 separate letters in the mail stating my application was incomplete with a due date to submit the missing documents but the letter arrive 15 days after the due date. I call the loss mitigation line once a week and have been given incorrect or misleading information each time. Freedom mortgage is refusing to offer mortgage programs that would allow me to place the balance owed at the end of the loan and maintain the current interest rate. These delays are intentional to force me into a longer loan term and higher interest rate to the benefit of the mortgage company. I have provided duplicate documentation repeatedly and with every weekly call am told that I have missed a document. I have asked for supervisor review of my application twice without a response from anyone. I have asked that ll correspondence be sent via email and letters continue to arrive late via USPS. The mortgage company claims to support veterans and their families but obviously do a very poor job of providing service to the less than 1 % of the their customer base.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I uploaded an escrow analysis to Freedom Mortgage as requested to show that we are owed XXXX overage from our escrow account. They sent us a check for XXXX and refuse to tell us where the extra XXXX dollars is. I called them again today and they stated that they dont have the money and that they didnt receive the uploaded Document even though I can see it was sent to them through their online account as requested. It has been a runaround between them and XXXX XXXX since XX/XX/XXXX. It is so concerning that to see companies keep money that they are not allowed to keep. Its so frustrating as a consumer that I can not get anyone to help and I keep Being asked to do the work to get Our money. Thank you for you time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A