Date Received: 2023-01-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Freedom mortgage on XX/XX/2020 paid property taxes on the wrong parcel out of my escrow account. Refused to request refund from county to correct issue. Now has taken XXXX years at this point with no resolution. To cover their tracks they sold the loan to nationstar ( XXXX XXXX ) XXXX XXXX paid the overdue taxes to county. However the misappropriation of escrow funds has not ever been returned into escrow from Freedom Mortgage. Leaving my current escrow short exactly the same amount XXXX misappropriated the escrow to someone elses taxes. Nothing but excuses from freedom mortgage. Always needing more time. Never get a mortgage from them or have them service the account. They dont seem to know what theyre doing. Always another departments problem. No true escalation or contact of any management. They run you in circles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63026
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX. My Freedom Mortgage loan ID is XXXX. Since XX/XX/XXXX I have been having ongoing issues with my Freedom Mortgage account. After a few months of going back and forth, we finally came to the conclusion that an escrow analysis was not done since our loan modification and I was overpaying for my mortgage each month from XX/XX/XXXX to XX/XX/XXXX. After multiple agents told me not to pay the full amount of the mortgage due ( {$1500.00} ) and just to pay the previous amount ( {$1200.00} ), Freedom Mortgage reported me to the credit bureau, against the advice given. I was advised in XX/XX/XXXX by two agents that Freedom Mortgage would contact the bureau to correct this because of the discrepancy in my mortgage and the going back and forth to try to figure out the correct payment. On XX/XX/XXXX I spoke to two agents at Freedom Mortgage XXXX and XXXX who both advised that I send proof of this negatively impacting my credit score to the email address XXXX and they would fix it. I did this and never heard anything back. On XX/XX/XXXX I paid a lump sum of {$4300.00} even though I was advised AGAIN to wait until the escrow analysis is complete to ensure that I do not continue to overpay ; however, I did not do that to be sure that it does not also negatively impact my credit score. Here is an outline of the calls and agents I spoke with, if you can PLEASE pull the calls and listen to the multiple agents advising me to not pay the full payments due : XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX - Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} ( this is the month I was reported to the credit bureau after multiple agents told us to make this payment and DID NOT advise that what I was doing would negatively impact my credit, at this point I was unaware that what I was doing was not best practice and I should have never been advised to make partial payments ) XX/XX/XXXX - Rep XXXX Payment made {$1500.00} XX/XX/XXXX lump sum payment made of {$4300.00} I truly appreciate any and all help you can give me regarding the credit bureau and getting that removed from my credit report. My next step is to receive legal counsel and have a lawyer request the calls to review them if no one can help me after a year of my credit being torn down. At this point, my wife and I are trying to move as our family is expanding and due to my credit being significantly impacted, we are unable to do anything. 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: 080XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Freedom mortgage reported that our Mortgage was late for XXXX months XXXX and XXXX of XXXX, and that there was not a final payment at the end of escrow. We filed a dispute with them saying everything was current including all our payments to them. THey investigated it and found out that we were correct and that they were going to correct this and report it to the credit agencies. THis never happened. THe other was that we had missed a payment in XXXX of XXXX We sold the house in XXXX and we asked them if we had to make the XXXX payment and they said no, that it was covered in the escrow that was going through and not to worry. THey investigated this as well and found the recording of the representative who told this to us and cleared this up as well. The only problem is this was cleared up in XXXX and still has not been corrected. I called them yesterday and the representative on the phone said she saw the evidence that we need and said she would send a letter via email supporting this. As soon as i receive this i will submit this to the case. Please help us we are trying to buy a house and this is stopping our progress. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was a XXXX XXXX XXXX and was going through a XXXX in XXXX when I went into forbearance. I struggled in a tough market and decided to take my safe test and get into mortgages to have more job security. I started a home modification last year with freedom mortgage along with submitting info to XXXX in hopes of getting back on track. Ive been back and forth with freedom mortgage. XXXX set of docs they sent out had my ex husbands name and I said he was not on the deed and needed to be removed and sent in deed to show he was not on XXXX said I was still protected in loss mitigation. This has gone on for months! I kept following up monthly with a different banker giving me the same story that I was protected. I got a statement in XXXX to make a payment and I called to do so and the banker told me a different amount then what I had and gave me some story. Then said I didnt need to make the payment at all as I was still in mitigation. I went ahead and paid {$1500.00} as it was the holidays and figured I was still protected that I could use the extra money for XXXX. My docs came in and I signed and had had them notorized thinking my XXXX payment would be XX/XX/XXXX. I called to make my new payment and was told I was to start making those payments in XX/XX/XXXX and owed around XXXX on top of my new XXXX XXXX. I immediately asked to speak to a supervisor and was directed to XXXX XXXX who said he would be my point of contact since no one was giving me the correct info. A few days after I spoke with XXXX I received intent to foreclose on my home and I reached out to XXXX who said it was a standard letter not to worry. Ive reached out to XXXX multiple times since trying to get updates regarding the XXXX and no response. I received new docs to sign this wk to sign with my XXXX XXXX name again on the statement. Since I had sent XXXX additional emails to XXXX with no response I sent another stating that I would go above him if I didnt get answers as to whats going on and still no response. I reached out to XXXX back in XXXX where my status as of XX/XX/XXXX still says under review and they responded to be patient. I just want to keep my home for my children and pets and no one seems to have it together or no whats going on at freedom. Clearly if I had XXXX at this point Id pay it! XXXX reaching out to you along with speaking to an attorney tomorrow who Ive obtained through XXXX XXXX who I work for now in hopes to get this settled as its very unsettling and causing me nothing but stress!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: THIS IS THE TIMELINE OF WHAT WE HAVE BEEN DEALING WITH FREEDOM MORTGAGE. WE HAVE DOWNLOADED DOCUMENTATION TO FURTHER PROVE THAT WE HAVE COMPLIED TO EACH & EVERY REQUEST FOR DOCUMENTATION REQUIRED BY FREEDOM BUT WE DON'T SEE WHERE TO UPLOAD ON THIS APPLICATION.. ALSO FREEDOM MORTGAGE RECORDS EVERY CONVERSATION WHEN CALLING INTO THEM XX/XX/XXXX contact Freedom Morgage to discuss options for a loan modification. XX/XX/XXXX received information and application from Freedom Morgage to request a loan modification. XX/XX/XXXX sent completed application to Freedom Morgage. XX/XX/XXXX received form letter from Freedom Morgage requesting additional information and bank statements. Sent them immediately to Freedom Morgage. XX/XX/XXXX called Freedom Morgage and spoke to representative XXXX about form letters and status of documents we sent in. I was told for the first time in that conversation that as soon as we went to loss mitigation we would be protected from any action to us or our property and that Freedom doesn't deny anyone loan modification. XX/XX/XXXX called and spoke to XXXX, representative, for status and was told they needed form XXXX. Sent completed XXXX to Freedom. XX/XX/XXXX called Freedom for status. Spoke to XXXX, representative, who couldn't give me any status information. Asked to speak to supervisor. Was connected to XXXX who was in Escalation Dept. who promised we would get a response and follow up call on XX/XX/XXXX. I was told it takes a minimum of 2 weeks for account to get " flagged '' and then an additional 30 days for them to review it and send it to loss mitigation and then to underwriting dept for options to modify our loan. I was also told not to make any further attempt at paying the monthly mortgage payment ( as we had borrowed money from friends and family to be able to meet previous months mortgage pymnts. He said until we were in the rears with the payments they would not take us seriously for loan modification. They told us not to make any more mortgage payments and that while we were in loan modification we were in a protected status. ( 2nd time we were told this ). XX/XX/XXXX called again for status as we didn't want to lose our home. Spoke to XXXX, representative, who said the forms & application ( XXXX completed package ) we sent in XXXX had now expired and we needed to resend the complete package again, which we did immediaately. XX/XX/XXXX called Freedom again on the XXXX to make sure they received the XXXX completed package. Spoke to XXXX, representative, and was told they had just scanned it into our file and would take 2 weeks to be reviewed. XX/XX/XXXX called again to get status. Spoke to XXXX, representative, and was told nothing new so I asked for supervisor. I was then connected to XXXX who told me she was supervisor of the Escalation dept. and that they needed 2 months of current bank statements which I sent immediately. XX/XX/XXXX called Freedom again and asked for the supervisors supervisor who they said was XXXX XXXX. He said would check with Escalation department for status. Another person, XXXX, called back and said she was a supervisor. Did not provide any new information. XX/XX/XXXX called Freedom again asking for status. Spoke to XXXX who also said she was supervisor and was told we would hear something back within 90 days and to not expect anything before XXXX. XX/XX/XXXX called Freedom again since we hadn't heard anything & it was past 90 days. Was told our XXXX complete package of forms had now expired & that the were back logged so to resend another complete package, which I did immediately. XX/XX/XXXX called again and spoke to XXXX the supervisor again. Told her I was tired of getting run around and asked for her supervisor, who was XXXX XXXX. I was told he would return the call by the next morning. No call back. XX/XX/XXXX called again and spoke to XXXX XXXX who gave me his direct phone number. He said he would personally take over and make sure we had resolution soon. He would check with Underwriting department and call me back the next day. XX/XX/XXXX no call back. I called direct number and left voicemail message. XX/XX/XXXX XXXX called back and said the underwriting department said they needed updated bank statements. I sent immediately. XX/XX/XXXX Spoke to XXXX at Freedom again. He said everything had gone to underwriting department but they were requesting a new completed package yet again. I told him that was unacceptable as we have sent 3 completed packages 3 times and Freedom is the ones who have let the forms expire. He said he would speak to the legal department to see if they would not make us send another package. XX/XX/XXXX XXXX called back and said legal said we have to submit another completed forms package. He said to send directly to him and he would make sure to deliver them to underwriting and make sure they wouldn't expire again. XX/XX/XXXX called XXXX directly and told him we had just completed the 4th package and would send directly to him. XX/XX/XXXX went to XXXX to send the 4th time, a total of XXXX pages, which I sent directly to XXXX XXXX at Freedom XX/XX/XXXX called XXXX at Freedom to make sure he had received the forms. He said yes and would make sure they got to Underwriting dept and they would not expire again. XX/XX/XXXX called Freedom again and was told XXXX was out of office until XX/XX/XXXX. Spoke to XXXX, representative, and told her I needed to speak to someone in authority to get status. She checked with underwriting and told me I would get a call by XXXX the next day. No call back XX/XX/XXXX called Freedom again. Recorded message said offices were closed in observance of XXXX. XX/XX/XXXX called Freedom again. Spoke to XXXX, XXXX supervisor ( single point of contact ) who said they required a complete package to be submitted again. She went through everything page by page that needed to be sent. XX/XX/XXXX went to XXXX XXXX XXXXo make another copy of everything XXXX told me. Total of 120 pages. Then went to XXXX XXXX XXXX mail XXXX XXXX to Freedom Mortgage and also did return receipt with signature by Freedom. XX/XX/XXXX called Freedom spoke to XXXX. Checking on package if they received. She said NOT received yet and they will be closed on Monday XX/XX/XXXX for new years holiday. Left message for XXXX and XXXX to call me. XX/XX/XXXX received call from XXXX XXXX of Freedom. He will look & watch for package of documents. He will call as soon as they are received and get them to underwriting department ASAP. XX/XX/XXXX called post office to verify if Freedom received package. And yes it was confirmed. XX/XX/XXXX called Freedom spoke to XXXX. Documents haven't been scanned in yet. XX/XX/XXXX called Freedom again to speak directly to XXXX. She wasn't available & had to leave another message to call me back. Asked for her email address was given XXXX XXXX freedommortgage.com sent email to her but it came back as undeliverable. Resent a copy of email to XXXX XXXX. XX/XX/XXXX called Freedom asked for XXXX. Was told XXXX was at lunch and would return in an hour. Left message for her to return call as it was urgent. this was the 3rd message left for her. ( this was at XXXX ). Waited for call back but nothing. Called again at XXXX asked for XXXX. Told not available. then asked for XXXX also told not available. Asked to speak to supervisor in charge. Was on hold for over 30 mins and then they disconnected me. Called XXXX 's direct phone line and left a message stating I was very upset and to call me back. Nothing. Called Freedom back spoke to XXXX asked for supervisor. on hold for another 15 mins. Finally, XXXX another XXXX supervisor came on line. Told her I have been waiting all week to speak to XXXX and/or XXXX. Told her we now have written proof with signature that XXXX received the documents and that XXXX told me it was now scanned in. I asked why no one had returned my call. She said they don't return calls if there is nothing to report even if they say they will call back. I told her that was very poor business and that we were ready to seek legal action. She said go ahead do what you have to do. XX/XX/XXXX called Freedom. Spoke directly to XXXX XXXX ( emp XXXX ). Told him we have proof that Freedom rec 'd the 5th complete package of documents we sent in and that they were received on XX/XX/XXXX. He said he didn't see them uploaded to our file yet. So now it appears that the 5th package is lost at Freedom yet again. Told him to find them!!!! and find out who has them. Told him I expect a call back today. He said he would call back shortly after XXXX today.Told him our proof they rec 'd should stop foreclosure proceedings. XX/XX/XXXX no return call from XXXX, as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was granted forbearance by Freedom Mortgage in accordance with the CARES Act during the pandemic. I was an essential worker at the time. Coming out of the forbearance, I agreed to a loan modification. I submitted the appropriate paperwork to Freedom Mortgage on XX/XX/XXXX of 2022. I called frequently to ensure I had submitted the proper paperwork to them and was assured that I did. Many months later, I was asked to re-submit my loan modification paperwork. I complied and submitted my paperwork a second time on XX/XX/XXXX of 2022. I again called Freedom Mortgage frequently to ensure I had submitted the proper loan modification paperwork. I was again assured that I did. To my surprise in XXXX, I called my payment into Freedom Mortgage as online payment was not an option. The customer care representative stated that my mortgage had moved into pre-foreclosure. I have never missed a payment to Freedom Mortgage. I've maintained my mortgage in accordance with the stipulations outlined by my forbearance and loan modification option and was being told my mortgage was in the preliminary phases of being foreclosed upon. I submitted loan modification paperwork for a third time on XX/XX/XXXX of 2022. I have called multiple times since then and have been told of errors in the paperwork despite following the previous customer care individual 's instructions perfectly. At this point, the mechanisms intended to provide help to veterans that are their customers is broken. Freedom Mortgage gives the appearance of intentionally allusive requirements and insufficient communication to customers if there are follow-up items needed. It is now more than 1 year later, and Freedom Mortgage has failed to act and is submitting derogatory information to the credit bureaus despite my consistent follow-up and compliance. I will lose thousands of dollars that I would not have had to pay in principal and interest had Freedom Mortgage followed through in a reasonable manner to protect their customer, me, against the negative impacts of a global pandemic and while functioning as an essential worker during that time. I am now being penalized twice with the negative credit information being reported to the bureaus on top of the additional financial burden I carry due to their inaction leading to a higher interest rate. This is not how a 100 % VA XXXX veteran should be treated and especially so by the number 1 VA loan servicer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: FREEDOM MORTGAGE is attempting to foreclose on my home in XXXX XXXX XXXX XXXX CASE NO. XXXX ( SEE ATTACHED DOCUMENTS FOR REFERENCE ) this action and case and foreclosure is an act of fraud and a crime under title 18 USC as FREEDOM MORTGAGE ACCOUNT # XXXX has been discharged in bankruptcy court case no. XXXX, therefore FREEDOM MORTGAGE IS commiting fraud and in violation of a federal court order
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: At the end of XXXX I received my tax statement in the amount of XXXX I called the XXXX XXXX XXXX XXXX in South Carolina to inform them that their assessment was incorrect., the office corrected the issue and sent a corrected copy of XXXX which I forward to Freedom Mortgage on XX/XX/XXXX. According to my mortgage statement that was due XX/XX/XXXX I had an escrow of XXXX. I received a escrow check in the amount of XXXX which was returned voided back to Freedom Mortgage. For my XXXX statement was due for XX/XX/XXXX my escrow was XXXX I then called Freedom mortgage and asked the why did they send the incorrect amount to my county tax office when the corrected copy was sent on the XXXX of XXXX the answer that I got was " The company sent over a million dollars out to pay customer escrow taxes on XX/XX/XXXX '' I responded that they had plenty of time to correct the error and I wanted it fix I have insurance due as well. I was told that they are working on it I called back and the issue was not fixed I spoke with a supervisor named XXXX that admitted that the company was in error and that my county has all the money and they are waiting for the county to return the unused portion which could take up to 90 days I called my tax office and I was told " The tax office only accepted the XXXX.and that XXXX which is the finance institute that does the distributing of funds for the company has the excess monies. so that mean the company has their monies. I " m paying this company back a negative escrow on money that they have. So in all retrospect they have their money and is keeping my escrow account hostage for ransom. That is beyond criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Freedom Mortgage has incorrectly calculated our Escrow. We have contacted the company 7 times regarding this matter. The XXXX department refunded the homeowner insurance the previous provider incorrectly purchased. However, our escrow balance has not been adjusted and they continue to charge us an extra {$50.00} per month for escrow. This has gone on for XXXX months and every time we call they say it will be fixed. We wait and it does not get fixed. This company is scamming us and our only recourse seems to be to sue them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Mortgage company destroyed my XXXX XXXX due to losing my payments. Lost payments happened two times. In XXXX and XXXX. XXXX I had called them multiple times trying to get it resolved before my credit was impacted. I requested a search for the missing money order which was already near past the due date. Days to a week later, my account was classified late. Later, The payment for XXXX was found. FM told me that since it was my first late payment that it would be forgiven and my late charges would be removed. I explained that I payed on time which was also clearly stated on the money order. I had emailed a photo to them. The payment was sent on time. I should not have been held accountable, but I was. Prior to this, I received mail and also recorded to the mortgage app that my payments had not been received and that I was delinquent. Days after the search, I called back and I was told that my money order just so happened to arrive the same day of the search.. after 30 days? However, Late charges were removed and no negative impact to my credit.Then for the XXXX payment, the same happened. Once again, I ended up receiving a Delinquent status. Before and after the payment was classified delinquent, I called about XXXX times,. Sometimes on the phone for XXXX minutes trying to find a resolution for my missing payment and explained that this happened in XXXX. I explained that I needed the payment to be found cause I didnt want my XXXX XXXX to be impacted. I requested a search for my missing money order twice. I called and spoke to multiple reps about the issue and mentioned the late charges, that I sent a money order, and that I have a have proof of the on-time payment and that the same thing have happened to the XXXX payment. I asked if the money order order was found. it had not been at that time. I also asked if the payment was found, would the late payment status and late charges would be removed from my account. I was told no because its my second time being late. But I was never late in the first place. Again I was held accountable for my payment being lost like time time before.One rep told me maybe it was because I didnt put my account number on the money order was the reason for the money order being lost. But my prior payments have never had the acct number on them and that the payments was still processed and recorded. Another rep said it was not required long as my name and address was on the money order.. I explained the importance of the money order being found to multiple reps. I didnt want my credit being hit. I explained that I have a newborn, and in need of a bigger home asap.. ( I didnt mention that Im also working on a new business venture, which I need a small facility that I have already bought some equipment for ). I dont have that kind of money to pay cash for a business facility nor a new home, Therefore for I NEEDED MY GREAT CREDIT. I planned to do all of this early XXXX. Thats why I called so many times to prevent this issue.However, XXXX put in a search and it had not have been found. In XX/XX/XXXX I then I received a message from credit bureaus that my credit changed. I was hit XXXX pts on XXXX and XXXX and XXXX on XXXX!! I called XXXX and the payment still hadnt been found. And was told that Ill have to resend the payment. I asked to be escalated to a manager and explained what happened, she requested a photo of the money order in question. She saw it and removed the late charges, which is reflected on the XXXX. At that time, I asked If she could help resolve my credit issue. She said she could not. The next few days, I went to the post office to attempt to pay the missing mortgage again for XXXX Before I walked in I checked the app and it showed I was current and the next payment was due XX/XX/XXXX. Obviously the payment was found. But my credit was already destroyed. My question is to why they would send me as delinquent to the credit bureaus if they were currently searching for lost a lost payment? They saw that the exact same thing happened recently. Its seems very negligent that they lose my money orders on top of that, punished me for it.. not once but twice. I have not called back since.Theres no way my credit will be back to how it was before XXXX! Interest rates are already high, and with this XXXX XXXX I can forget about it. This occurrence will take 7 years to fall off my credit! Im distraught. I actually vomited when I saw my score dropped and couldnt sleep for days worrying about it.My home is to capacity, I have a newborn I need more living space asap. With this current credit, Ill be paying much more money long term and short term for anything involving my credit! All of these years of financial responsibility is now destroyed. The lost and found money order payment in question that is dated XXXX. I have my receipt, mail showing Im delinquent and snap shots of my XXXX XXXX dropped due to this. Not to mention. Similar issues happened when I first was transferred to this company. Theres issues with the system not being updated for my banks routing number. Thats why I have to send money orders in the first place. My previous mortgage companies had not issues at all taking my payment with the exact same account. But this is no fault of a person. Most likely the system. But its been payment issues since XXXX. But no fault of my own. Also, my XXXX payment I had to ask for a search for my XX/XX/XXXX payment because it had not been received weeks after I sent the payment in. But it was found before it was late. That payment was actually found before XX/XX/XXXX payment. More than likely this would have happened again if I had not acted when I did. XXXX also requested proof of that money order as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A