Date Received: 2023-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am the executor of the estate of XXXX XXXX. He had a mortgage loan with Freedom Mortgage. The loan number is XXXX. XXXX XXXX is deceased. This loan was paid in full in XXXX, XXXX. I have received the release of mortgage form. However, Freedom Mortgage continues to charge and deduct a monthly mortgage payment and refuses to discuss the issue with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have two issues with a recent escrow analysis on my account that is causing my monthly payment to go up by {$800.00}. 1. I requested that recent overage check ( issued XX/XX/23 ) be cancelled. I have not cashed this check and mailed in a response four weeks ago requesting that the check be cancelled and be refunded to my escrow account. I have received no action or response to my request. 2. I have called the tax department of Freedom over four times in the past week and no one answers the phone. I requested call backs, but have not received a call back. The most recent ( XX/XX/23 ) escrow analysis says I make semi-annual payments of {$4700.00}. However, I make an annual payment of {$4700.00} for my taxes. This makes it seem as if I owe more in taxes than I do. This is urgent as I can not afford an additional {$800.00} per month in my mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had a home mortgage with Freedom Mortgage which I purchased with them in 2017. When the pandemic hit I got ill with covid and unfortunately was off work for almost 5 months so I had to utilize the Forbearance plan. Although my payment history was intact they sold my loan to another lender. Shortly after I sold the home and attempted to secure a new loan with Freedom Mortgage for which I was denied a loan. What I don't understand is how the underwriters could deny me if I my history with their company were overall positive and at the time of the application my credit was in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was awarded a grant for mortgage assistance they would pay my mortgage and utilities for 6 months. During that time I didn't make any payments to my mortgage because I was getting ahead on other bills and improvement to my home during the hurricane. The government grant HAF send paper check to the mortgage company on behalf of the recipient my self XXXX XXXX I have received two late payment reporting to my credit report when I have never been late. The taxes and insurance have increased in my house i spoke to an agent at freedom mortgage that advise me that they can " split the taxes and insurance overpayment in over 24 months they are not allocating the funds to escrow because every time i call every other agent advise me the same thing but falsely reporting that i am late when i am not I have all documentation to provide in regard to this case They are also falsely charging me a late fee when i paid before the due date
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was sold off in XX/XX/XXXX from XXXX to Freedom Mortgage. Freedom Mortgage has failed to acknowledge payments made with XXXX that were advance mortgage payments that were paid ahead in time. Even though I have provided all documentation proving these payments were made and they are aware these payments were made, they are failing to report XXXX and XXXX escrow payments and causing my account to go into an escrow shortage because they feel since these payments were made when I was with XXXX, they dont need to do anything. Also, anytime I make a payment over the phone to one of there live agents, they seem to not understand on how to properly distribute payments when they receive them, as they will put 100 % of your monthly payment into only principle and causing the rest such as escrow and interest to not be paid for. As of XX/XX/XXXX, they falsely reported to my credit company that my mortgage balance increased by {$2500.00}, causing my credit score to drop. They have not provided any documentation showing there findings, nor were they professional at any point during the process. Freedom Mortgage is not a professional mortgage company and are responsible for mismanaging many peoples loans. Please investigate this mortgage company and investigate my concerns, or there errors and there mistakes could cause me to go into foreclosure. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I refinanced my mortgage from Freedom Mortgage to XXXX XXXX XXXXXXXX XXXX. My taxes were paid from my closing by XXXX of XXXX Mortgage on XX/XX/XXXX. Freedom Mortgage had already been paid off and I received an email from Freedom Mortgage on XX/XX/XXXX confirming that. On XX/XX/XXXX, 14 days after the mortgage had been completely paid off, Freedom Mortgage proceeded to pay my taxes in the amount of {$2100.00} out of my escrow account instead of refunding that money to me. On XX/XX/XXXX, the XXXX of XXXX refunded the the entire {$2100.00} back to Freedom Mortgage. I contacted Freedom Mortgage about my refund which should have been refunded to me with the rest of my escrow money and they told me that the money would be refunded to me by XX/XX/XXXX. They have already been holding this money for a month but I waited patiently. I called them on XX/XX/XXXX because I still had not received the refund. The person I spoke with said it was still pending. I told her that I was told that I would have the money by Wednesday XX/XX/XXXX and she said she doesn't know but it still says pending. So I asked to speak to a person who could tell me what where my money was. She put me on hold for a long period then came back and said her supervisor said the check went out on XX/XX/XXXX and that they had no control over the mail. She had just told me it was still pending and all of a sudden now she lies and says it went out and blame the post office? I asked her why they would send a {$2100.00} check through the regular mail when it should have been sent XXXX? She had no answer. I asked her if I would be receiving interest on the money they are withholding and she said no. I just had a XXXX XXXX on Saturday XX/XX/XXXX and got out of the hospital on Tuesday XX/XX/XXXX and I need this money which should have been refunded to me from my escrow account when my mortgage account was closed on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My previous complaint XXXX was addressed from my mortgage compnay and it seemed like it was going to be resolved. It has been over 5 months since they responded with a resolution but have yet to meet them. Ive called them numerous times and they still havent returned my call or resolved my issue. Please reffer to complain number XXXX as it has been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX discharged from XXXX XXXX XXXX XXXX XXXX XXXX re : XXXX prevention * SEE DOC XXXX XXXX forbearance terms : 2 month agreement start date : ( XX/XX/XXXX ) expected end date : ( XX/XX/XXXX ) * SEE DOC XXXX XXXX notice of transfer from XXXX to freedom ( unpaid balance {$150000.00} ) * SEE DOC XXXX & XXXX ( FMC Declaration of total debt assumed : {$150000.00} * SEE DOC XXXX ) starting date : ( XX/XX/XXXX ) effective date : ( XX/XX/XXXX ) contacted FREEDOM about ending forbearance in XXXX and about applying disabled veterans tax exemption XXXX {$4200.00} VA benefit award letter [ temp hardship over ] * SEE DOC XXXX [ filed for 100 % P & T tax exemption ] XXXX single point of contact teller number : XXXX * SEE DOC XXXX XXXX single point of contact teller number : XXXX * SEE DOC XXXX XXXX Declaration of total debt assumed : {$150000.00} * SEE DOC XXXX XXXX 1st incomplete application acknowledgment notice * SEE DOC XXXX Requested to end forbearance forced to extend forbearance * SEE DOC XXXX old expected end : XX/XX/XXXX new expected end : XX/XX/XXXX XXXX XXXX * SEE STA XXXX {$5200.00} called in every week for updates no single point of contact established told call back in a week { through all of XXXX } XXXX * SEE STA XXXX {$6300.00} FREEDOM MORTGAGE IS concerned about recent missed payments * SEE DOC XXXX XXXX * SEE STA XXXX {$7300.00} qualified me for a loan mod it was originally a no doc quick easy deferment balance simply moved to end of loan FMC told me yes a loan mod is the one that moves balance to end this is the one I wanted ( DECEPTIVE ) call back in 30 days. XXXX streamline review notice & no need for any docs at this time * SEE DOC XXXX Decision expected within 30 days ( DECEPTIVE ) XXXX * SEE STA XXXX {$8400.00} escrow statement reflecting disabled veterans tax exemption * SEE DOC XXXX - XXXX my old payment was : {$1000.00} My new payment is : {$830.00} XXXX verification of mortgage shows incorrect total monthly payment * SEE DOC XXXX XXXX * SEE STA XXXX {$9000.00} the evaluations are taking longer because everyone was ending forbearance and they were swamped And call back in a week ( UNFAIR ) XXXX * SEE STA XXXX {$9800.00} application incomplete in order to complete << -- ( DECEPTIVE ) * SEE DOC XXXX send the following incomplete or missing docs : streamline offer pending income doc << -- ( SUPPRESSION OF INFORMATION ) XXXX * SEE STA XXXX {$10000.00} resend my docs * SEE DOC XXXX XXXX -- ( RESPA ) call back in a week XXXX as of XXXX application is facially complete * SEE DOC XXXX <<- ( RESPA ) XXXX application incomplete in order to complete * SEE DOC XXXX <<- ( RESPA ) send in the following incomplete or missing docs by XX/XX/XXXX : 2 months most recent bank statements << -- ( DECEPTIVE ) XXXX sent in docs again as requested * SEE DOC XXXX XXXX -- ( RESPA ) earnings and bank docs XXXX weekly called back XXXX facially complete as of XX/XX/XXXX * SEE DOC XXXX XXXX -- ( ABUSIVE ) final decision expected in 30 days <<< -- ( RESPA ) ( DECEPTIVE ) XXXX * SEE STA XXXX {$11000.00} XXXX application incomplete in order to complete * SEE DOC XXXX XXXX -- ( UDAAP ) ( RESPA ) send the following incomplete or missing docs : 2 months new bank statements 30 days new pay stubs <<< -- -- ( unfair ) Signed & dated XXXX tax returns Signed & completed XXXX XXXX * SEE XXXX XXXX {$12000.00} XXXX Sent required docs to freedom mortgage again * SEE DOC XXXX XXXX -- ( RESPA ) XXXX mint phone call to them they recommended I get the CMRFP grant and no longer assured me that i was not in danger of losing my home and i needed to resend docs that have expired XXXX CMRP application number : XXXX submission date : XX/XX/XXXX, XXXX pm * SEE DOC XXXX XXXX updated docs as the first ones are outdated again * SEE DOC XXXX ( RESPA ) XXXX XXXX am 9 min phone call to FM XXXX * SEE STA XXXX {$13000.00} ( UDAAP ) ( RESPA ) Unable to proceed because we have not received the requested outstanding docs from you A complete loss mitigation application, including all additional requested documentation is required to review your loan for potential loss mitigation assistance options, closed the review the following reflects missing docs * SEE DOC XXXX & DOC XXXX Most recent signed fed tax return XXXX XXXX application incomplete in order to complete * SEE DOC XXXX ( DECEPTIVE ) ( UDAAP ) send the following incomplete or missing docs : One more months new bank statement ( already sent the two newest ones ) Complete financial worksheet << -- -- - ( UDAAP ) Hardship letter * SEE DOC XXXX XXXX FREEDOM concerned about my recent missed payments * SEE DOC XXXX ( ABUSIVE ) XXXX Contacted VA loan servicer * SEE DOC XXXX XXXX XXXX dated XX/XX/XXXX ) ( UDAAP ) ( RESPA ) ( FDC ) Your loan is now in default this is a demand for payment * SEE DOC XXXX Total due by XX/XX/XXXX : {$13000.00} ( RESPA ) XXXXXXXX XXXX ( 25 min ) call to freedom mortgage XXXX * SEE STA XXXX {$14000.00} XXXXXXXX CMRP - application approval letter The funds will bring your loan current as of XX/XX/XXXX * SEE DOC XXXX XXXX california mortgage relief program approval letter i have been approved for the grant to pay the balance due through to XX/XX/XXXX pleasecontact them about finlizing payments and lets get this thing done already,- thanks XXXX xxxxxxxxx xxxxxxxx XXXX XXXX XXXX XXXX XXXX CA XXXX xxxxxxxxxx XXXX Dear XXXX XXXX XXXX : Thank you for contacting Freedom Mortgage Corporation ( " Freedom Mortgage '' ). We received your request via our website on XX/XX/XXXX, regarding Your Hardship. We appreciate the opportunity to assist you and hope that you find the following information helpful. Please note additional research is required and we are working diligently to respond to your concern. Our research should be completed by XX/XX/XXXX. The findings will be sent to you via our secure message center once the research is complete. XXXX * note this date they have not yet got the funding Called in to FM * AUDIO XXXX Spoke with tell # Received CMRF approval letter XX/XX/XXXX not received funding yet as of XX/XX/XXXX still waiting for the funds to be sent over until they send the funds nothing we can do Once we receive the funds we can make the account current protected under loss mitigation until that time* XXXX ( UDAAP ) *FM has closed the review for loss mitigation * SEE DOC XXXX No longer protected under loss mitigation XXXX * SEE STA XXXX {$14000.00} ( UDAAP ) ( RESPA ) CMRP funds {$14000.00} received XX/XX/XXXX Statement due XX/XX/XXXX in the amount of {$14000.00} * SEE DOC XXXX But i see it still says {$830.00} due XX/XX/XXXX XX/XX/XXXX Dear XXXX XXXX XXXX Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ). We received your request via our website on XX/XX/XXXX, regarding mortgage relief program funds. We appreciate the opportunity to assist you and hope you find the following information helpful. We have received your notice regarding the mortgage relief program and have forwarded the information to the appropriate team for review. Freedom Mortgage is currently working with the California Homeowner Assistance Fund ( HAF ) program to post payments to your account. Please note, you may contact your single point of contact XXXX ID : XXXX at the number below to follow up with this matter or with any questions or concerns. If you need to speak with a Customer Care Representative, please call Monday through Friday XXXX XXXX, and Saturday XXXX to XXXX, Eastern Time at ( XXXX XXXX XXXX. Sincerely, Customer Care Team Freedom Mortgage Corporation XXXX Called into FREEDOM MORTGAGE * AUDIO XXXX ( UDAAP ) XX/XX/XXXX payment received for {$14000.00} teller confirmed {$14000.00} received XX/XX/XXXX Next statement issued on that day XX/XX/XXXX : {$830.00} payment due XX/XX/XXXX {$830.00} returned to state {$830.00} past due as of XX/XX/XXXX Teller agrees it should have been funded sent it to billing for corrections statement date XX/XX/XXXX amout due date XX/XX/XXXX amount pass due {$14000.00} XX/XX/XXXX current due {$830.00} total due by XX/XX/XXXX {$14000.00} XX/XX/XXXX total amount recieved {$14000.00} balance {$0.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- & now i see your charging me for XXXX twice? ( XX/XX/XXXX amount now pass due {$830.00} ) ...... NONONO the next due date is XX/XX/XXXX & should read [ statement date XX/XX/XXXX ] due date XX/XX/XXXX {$830.00} fix the error to reflect the new due date and that i am not in fact pass due and make the noted new payoff ballance reflected acuretly in my credit reports as required under the fair credit act. XXXX Thank you for contacting Freedom Mortgage Corporation ( " Freedom Mortgage '' ). We received your request via our website on XX/XX/XXXX, regarding HAF. We appreciate the opportunity to assist you and hope that you find the following information helpful. Please note additional research is required and we are working diligently to respond to your concern. Our research should be completed by XX/XX/XXXX. The findings will be sent to you via our secure message center once the research is complete. XXXX Requested information about accessing the {$150000.00} in equity i have in my home to buy a car and cure all of my debts * SEE DOC XXXX XXXX CMRF current through to XX/XX/XXXX Contacted congressman for help in the matter * SEE DOC XXXX XXXX Had a phone consultation with XXXX XXXX executive loan advisor and branch manager XXXX XXXX XXXX option XXXX Told me the lump sum for the last year would be considered on time payment and a credit score of 600 or higher for a VA loan would meet the requirements along with my annual grossed-up income and he would be able to work out something * SEE DOC XXXX XXXX XXXX XXXX and I am your loan advisor for help * SEE DOC XXXX XXXX XXXX * SEE STA XXXX {$830.00} You are now two payments past due {$1600.00} reported to the credit bureaus * SEE DOC XXXX ( UDAAP ) ( RESPA ) ( FDCP ) ( FCR ) XXXX Thank you for contacting us on XX/XX/XXXX ( error ) {$14000.00} received XX/XX/XXXX, a payment of {$14000.00} paid through XX/XX/XXXX {$830.00} was returned to the state XX/XX/XXXX we are not allowed to retain funds > {$100.00} * SEE DOC XXXX MY NOTES ON THESE CLAIMS : I contacted them on XX/XX/XXXX not XXXX so yea They claim the funds were received XX/XX/XXXX The statement due on XX/XX/XXXX is dated XX/XX/XXXX * SEE STA XXXX {$14000.00} As of my phone call with FM on XX/XX/XXXX they had not received the funds * AUDIO XXXX The date the claimed sending the XX/XX/XXXX payment back was XX/XX/XXXX XX/XX/XXXX I resubmitted the error with supporting docs on XX/XX/XXXX I got a different resonance and different breakdown of payment history still failing to credit the payment in question * SEE DOC XXXX Our credit team has reviewed and determined the reporting of your account accurate and true see attachment * SEE DOC XXXX ( FCR ) XXXX CMRP - your servicer has confirmed the funds have been applied to bring your account current as of XX/XX/XXXX You will need to resume making payments on your mortgage in XXXX * SEE DOC XXXX XXXX Your single point of contact is COLLECTION, teller # XXXX * SEE DOC XXXX ( UDAAP ) XXXX FREEDOM reported my account 30 days or more past due XXXX day after responding to my notice of error ( they erroneously claimed it was accurate and true. ) * SEE DOC XXXX XXXX # CMRP - your servicer has applied a payment of {$14000.00} to your loan * SEE DOC XXXX This is the first day of the third month after the error still unfixed i was notified of the way the funds were misappropriated first time this number is reflected back to me the total expected less the XX/XX/XXXX payment retroactive to the damages unfairly at my expense XXXX * SEE DOC XXXX FREEDOM MORTGAGE received my notice of error / request for information please alow up to 30 days XXXX * SEE STA XXXX {$2500.00} ( {$830.00} for XX/XX/XXXX + {$830.00} for XX/XX/XXXX + {$830.00} for XX/XX/XXXX ) sent a message through freedom website pointing out the error With the supporting docs and noted i will bring my account current before the end of XXXX but i have been in contact with freedom since XX/XX/XXXX in regards to the missing payment not yet properly applied to my account parameters. * SEE DOC XXXX Hi, I will have my account caught up and current before the end of the month - please consider removing the late payment from my credit as i was told that freedom mortgage verified my loan as current through XX/XX/XXXX and wouldnt have to resume normal payments until XX/XX/XXXX my credit was at XXXX before you reported me late and was working with one of your loan officers on a cash out loan as of XX/XX/XXXX i was under the impression the issue was resolved as such and it was after that date you reported me late, and i was only updated about the misapplied payment on XX/XX/XXXX after the fact ... also its unclear to me why the payment for XXXX was returned to the haf fund when you informed me you recived it on XX/XX/XXXX and returned it XXXX and the statements dates are XX/XX/XXXX due on XX/XX/XXXX i think it would be an act of good faith to credit my account for XXXX and cure my credit as to avoid a potential UDAAP violation and to mitigate my loss of the opportunities a {$50000.00} cashout ... ...... XXXX XXXX XXXXXXXX XXXX * SEE DOC XXXX XXXX Message from freedom in website We have received your request and need to further do research Our research should be completed by XX/XX/XXXX ( As of XX/XX/XXXX no updates on the research ) * SEE DOC XXXX Dear XXXX Thank you for contacting Freedom Mortgage Corporation. We received your request regarding Credit dispute via our website on XX/XX/XXXX. We appreciate the opportunity to assist you and hope that you find the following information helpful. Please note additional research is required and we are working diligently to respond to your concern. Our research should be completed by XX/XX/XXXX. The findings will be sent to you via our secure message center once the research is complete. * SEE DOC XXXX XXXX I made payment in the amount of {$2500.00} for XXXX to XXXX posted as paid out of my account to freedom mortgage however it was applied from XXXX to XXXX Mach {$830.00} now due * SEE DOC XXXX ( missing payment still ) XXXX * SEE STA XXXX {$3300.00} * SEE DOC XXXX Reached out for help from the XXXX at CMFP *SEE DOC XXXX Dear XXXX : Thank you for the discussion this afternoon. During the half hour phone call you shared that you would like our team to share the dates with you for the transfer of funds. I will ask our servicer team to put something together that reflects when the funds were sent and/or returned. The program does not send the information to anyone other than you or a representative that has a Third Party Authorization on file with the program. As I mentioned during the call- you may elect to share our discussions as you deem appropriate. It is good to know that you are now current- thank you for sharing that information. If there is anything else that you want to discuss, the contact center staff will provide as much information as possible. Thank you. XXXX XXXX new monthly payment will increase from {$830.00} - {$1000.00} * SEE DOCS XXXX XXXX For your application XXXX, a payment of XXXX has been sent to and applied to your loan by your servicer. * SEE DOCS XXXX & XXXX XXXX Reply to my notice of error that is in conflict with the first reply on XX/XX/XXXX * SEE DOCS XXXX XXXX XXXX XXXX CMRP- your servicer has confirmed that the funds sent by the program for your application XXXX have been applied to bring your loan current as of XX/XX/XXXX. resume making payments on your mortgage in XXXX. * SEE DOC XXXX & XXXX & XXXX XXXX phone call with freedom loss mitigation stating that they will not be accountable for the action of misappropriation of the funding nor the misappropriation of my last 3 payments that should have covered my mortgage through XXXX and that I am now late for XX/XX/XXXX * AUDIO XXXX XXXX Dear XXXX Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ) XXXX We received your request via our website on XX/XX/XXXX, regarding delinquent reporting made on your account. We appreciate the opportunity to assist you and hope you find the following information helpful. On XX/XX/XXXX, we received a payment of {$14000.00} from the Homeowners Assistance Fund ( HAF ) program, which was applied to reinstate your account with an effective date of XX/XX/XXXX. We received a payment of {$830.00} on XX/XX/XXXX. This payment was returned by your bank with the reason of non-sufficient funds. As a result, this payment was reversed from your account. You may contact your bank for more information on this payment. Attached is a copy of the payment history for your review and records. DOC XXXX We have removed the delinquent credit reporting made on your account for XX/XX/XXXX and XX/XX/XXXX. If you need to speak with a Customer Care Representative, please call Monday through Friday XXXX XXXX and Saturday XXXX XXXX Eastern Time at ( XXXX ) XXXX. Sincerely, Customer Care Team Freedom Mortgage Corporation XXXX Still shows account past due it os not please fix this issue a HAF grant made the account current through to XX/XX/XXXX on XX/XX/XXXX the statement reflected next payment due XX/XX/XXXX on XX/XX/XXXX i made a total of 3 payments all have cleared that shout be one for XXXX one for XXXX and one for XXXX thus the next due date should be XXXX and it should not be showing XXXX past due... Again I have asked over and over and FMC continues a pattern with the hallmarks of reckless misconduct that continues with total disregard for the harm and aggravating suffering and undue burden on my family This is a demand for you to do your duty of due diligence that has so lacked the sincere intention to do ever since we were transfered to FMC as our servicers. DO BETTER YOU HAVE AND CONTINUE TO FAIL US IN WHAT HAS THE OPTICS OF INTENT TO DEFRAUD US!!!! FIX THIS NOW!!! XXXX XX/XX/XXXX Dear XXXX Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ). We received your request via our website on XX/XX/XXXX, regarding your loss mitigation. We appreciate the opportunity to assist you and hope that you find the following information helpful. The notes on your account show that HAF ( Homeowners Assistance Funds ) was received on XX/XX/XXXX, in the amount of {$14000.00}, and applied to your account on XX/XX/XXXX. These funds were applied to your account to reinstate it. We have attached a 12-month payment history to show when the HAF funds were received on XX/XX/XXXX, they were applied to 17 monthly payments. The notes also show that since the funds brought your account current, {$830.00} was returned to the state, as we can not obtain {$100.00} or more. When the funds were applied, that brought your account currently due for XX/XX/XXXX. We also show that a payment was received on XX/XX/XXXX, in the amount of {$830.00}, however, this payment was returned by your bank due to NSF ( Non-Sufficient Funds ). We show payment in the amount of {$830.00} was returned on XX/XX/XXXX, due to NSF. We also show funds in the amount of {$1600.00} that was returned on XX/XX/XXXX, due to NSF. They fail to show XX/XX/XXXX I made 3 payments of {$830.00} and they sent a patent back for XXXX? Why to default my account and report it 60 days late on my credit report. XX/XX/XXXX XX/XX/XXXX {$14000.00} due on XX/XX/XXXX {$14000.00} Funds Received XX/XX/XXXX XX/XX/XXXX XXXX. ) {$830.00} XXXX Payment XX/XX/XXXX XX/XX/XXXX. ) {$830.00} Payment XX/XX/XXXX XX/XX/XXXX. ) {$830.00} Payment XX/XX/XXXX Your payment is past due. Please click on the One Time Payment page to make your payment. There is more but I am burnt out!!! XXXX New appointment to see mental health clinic
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I Paid an extra payment to keep my account current till XXXX. Instead of crediting the payment. Freedom Mortgage put it on the balance, so I would still owe a XXXX payment. I have to go into the hospital, that is why I paid ahead. This is a constant occurrence with freedom mortage, so they can add on fees on payment you have already made and attempt to try and get your home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This mortgage was originated with XXXX XXXX XXXX XXXX XXXX in the fall of XXXX, in order to reduce my mortgage interest rate with XXXX at the time that was more than 7 %. My experience with XXXX I was victimized three times. 1. XXXX withheld one of my payments without posting it and then reported me to the credit bureau for being late. 2.XXXX to increased my mortgage payments because the XXXX XXXX XXXX Department of water , claimed that I owed them a {$10000.00} as I was disputing the charges with the XXXX XXXX XXXXXXXX water Dept. I had to take out a loan to pay the bank or have a {$1000.00} mortgage increase. I have a single family home but my bill was sometime {$700.00} but this stopped was I had them installed a new water meter. My water bill since average {$200.00}. 3. As I was processing the refinancing of my home with XXXX XXXX XXXX XXXX XXXX XXXX attached an additional {$15000.00} onto my closing cost. So as I started this new account I always paid my mortgage a month ahead. Through automatic deductions 1. Freedom mortgage have held my automatic deductions payments at one time just like XXXX but they could not report it to the credit bureau. 2. Freedom mortgage also once have applied my advance payment to my mortgage principal without discussing it with me MY COMPLAINT HERE : Freedom mortgage have opened an escrow account sometime earlier this year XXXX, for taxes and insurance. My mortgage, however call for me to pay my own taxes and insurance : 1. I call the XXXX XXXX XXXX Department of finance, they informed me that my tax payments were on time. I mailed my XX/XX/XXXX tax payment in XX/XX/XXXX, the was paid on XX/XX/XXXX approximately. The XXXX tax customer service, Advised me that when you use the United States Postal Service to make tax payments, it could take up to five weeks before being posted to your account. So the city have started a new pay by phone system. My next tax payment is due in XX/XX/XXXX And my insurance is paid until XX/XX/XXXX My next mortgage payment should be XX/XX/XXXX, but my bank changed it to XX/XX/XXXX for an increase of nearly {$400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A