I paid off my loan in XXXX through a refi. Freedom Mortgage sent be a notice that they were mailing my refund check to me ( they have the correct address ). When it wasnt received I contacted them in XXXX where by they told me to wait at least 30 days. After 40 days I reached back out and was advised the letter was returned as undelivered ( I never have problems receiving my mail! ) and they would re-issue. When I waited another 30 days and had not received it I called again where the agent told me they would cancel and resend by XX/XX/year>. Now yesterday I received a letter from them stating that the original check is still outstanding and has not been cashed and will go to echeatment after 180 days! So nothing theyve told me is lining up. I believe they are holding this money ( probably not just mine ) and collecting interest on it illegally and not sending funds back to borrowers. Its over {$8700.00}.
CFPB COMPLAINT DATABASE
Freedom Mortgage Company
641 real consumer complaints filed against Freedom Mortgage Company at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Trouble during payment process332
- 02Struggling to pay mortgage95
- 03Incorrect information on your report61
- 04Applying for a mortgage or refinancing an existing mortgage53
- 05Closing on a mortgage45
Top states filing
Recent complaints
The 30 most recent complaints against Freedom Mortgage Company where the consumer chose to publish their narrative.
My property taxes and home ins amounts have been adjusted with credits to refund the escrow shortage. However I can get my credits posted correctly and my new mortgage payment corrected. I have been in contact with Freedom Mortgage several times a week and each time the funds are not credited properly and I do not understand any of the amounts they are telling me I owe to correct this problem. I have tried everything I know to do to correct this problem. Please me help me get clarification on this matter.
I am filing a complaint regarding inaccurate late payment reporting on my mortgage account and a likely payment application error by my mortgage servicer. My credit report reflects extended periods of delinquency from XX/XX/XXXX through XX/XX/XXXX, and again from XXXX through XX/XX/XXXX. During this time, I had transitioned between bank accounts while my mortgage was set up on a split payment schedule. I continued making payments ; however, it appears those payments may not have been properly applied. The reporting pattern raises significant concern. It reflects prolonged delinquency, followed by a return to current status, and then a recurrence of late payments. This inconsistency does not align with normal delinquency progression and strongly suggests a servicing or payment application error rather than a failure to make payments. Additionally, I did not receive timely notification from the servicer indicating that my account was delinquent during these periods.…
XXXX Is my mortgage number Beginning around XX/XX/year>, I made multiple attemptsthrough several different representativesto initiate and complete a short sale. Despite my consistent efforts and cooperation, the process ultimately failed due to your companys inability to complete the necessary steps on your end. As a direct result, the prospective buyer withdrew from the transaction. Following that, around XX/XX/year>, I pursued a deed in lieu of foreclosurey. Since then, I have submitted multiple requests and have repeatedly followed up. Unfortunately, I have encountered significant issues throughout this process, including inconsistent information, conflicting guidance, and, at times, statements from representatives that have proven to be inaccurate. Each interaction has resulted in different answers, with no clear direction or progress made. At this point, despite my continued efforts, there has been no meaningful traction toward resolving my situation.…
On XXXX XXXX, freedom mortgage received my application for loss mitigation. On XX/XX/XXXX I was approved for a standalone partial claim with trial payments beginning in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A requirement was for an attestation to be completed. I made a payment on XX/XX/XXXX but I did not attest and therefore was informed via phone call to freedom mortgage on XX/XX/XXXX. On XX/XX/XXXX was also the day that I reapplied for loss mitigation. On XXXX XX/XX/XXXX i received both mail correspondence that my new loss mitigation application was received and a letter stating my previous LM plan failed due to rejecting current plan- again i did not complete attestation. On XXXX XX/XX/XXXX i received mail correspondence that i again was approved for a standalone partial claim with trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Attestation was completed in mid XXXX and both trial payments were made in time for XXXX and XXXX.…
A XXXX XXXX assumption was initiated in connection with the sale of a residential property, with a contract date of XX/XX/year> and a scheduled closing date of XX/XX/year>. The companys repeated delays, inconsistent guidance, and last-minute procedural changes caused a missed closing date. Additionally, Freedom Mortgage failed to properly manage autopay settings after closing, resulting in an unauthorized post-closing payment. Timeline of Events * XX/XX/year> : Property placed under contract with agreed closing date of XX/XX/year>. * XX/XX/year> to XX/XX/year> : Initial assumption documentation submitted ; delays occurred due to incomplete instructions and missing forms from Freedom Mortgage. * XX/XX/year> : Third-party authorization issues delayed processing approximately XXXX week due to unclear guidance from Freedom Mortgage representatives. * XX/XX/year> : Earliest available appointment with an assumption XXXX, despite known closing timeline and urgency.…
My mortgage account was placed into a temporary deferment due to a federal government shutdown affecting my employment. During this deferment period, my automatic payments were canceled by the servicer. When the deferment ended, I reasonably expected my automatic payments to resume as they had prior to the deferment. I was not clearly notified that autopay needed to be manually re-established. As a result, a payment was missed unintentionally. Upon receiving notice, I immediately brought the account current by paying both months in full. The account has remained current since that time. I requested a goodwill adjustment from the servicer, but my request was denied without addressing the impact of the servicing transition and autopay cancellation. Because this late payment resulted from a servicing-related issue rather than an inability or unwillingness to pay, I am requesting that the 30-day late payment be removed from my credit reporting.
Freedom Mortgage is holding {$44000.00} in XXXX XXXX insurance proceeds deposited XXXX XXXX XXXX, with {$37000.00} remaining after the first draw. These funds were sufficient to cure the delinquency, and I provided written authorization on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX to apply up to {$15000.00} toward curing the loan. Freedom has not released the funds, not applied the authorized amount, and has provided no written approval, denial, or explanation. Indexed Issues : * Failure to Apply Funds : Freedom refused to apply authorized insurance proceeds to cure the delinquency. " DEED MANDATES APPLIED USE & Homeowner specifically specified '' * Failure to Release Insurance Proceeds : Funds for a detached structure were withheld despite HUD rules allowing release ; I provided HUD guidance in XX/XX/XXXX. * DualTracking : Freedom continued foreclosure activity while holding sufficient funds to cure.…
I am filing a complaint regarding escrow calculation and insurance disbursement issues on my mortgage loan. My account reflects a significant escrow shortage and a large increase in my monthly payment. I am disputing the accuracy of this calculation and requesting a full breakdown of how the shortage was determined. My homeowners insurance transitioned between XXXX and XXXX XXXX. Based on my understanding, XXXX was paid from escrow, while XXXX XXXX submitted for mortgagee payment but has not received payment. Additionally, prior to servicing transfer, my delinquency cure amount was estimated to be significantly higher than the partial claim I ultimately executed. I am requesting documentation showing how that amount was calculated and reconciled. On XX/XX/year>, I received a decision letter offering a partial claim combined with a loan modification.…
I am filing this complaint regarding Freedom Mortgages handling of my VA loan repayment request. I submitted a request for an extended repayment plan due to financial hardship. However, Freedom Mortgage has failed to process my request in a timely manner and has provided no clear timeline for review. I have contacted the company multiple times and was recently informed that my request is still sitting in underwriting. Representatives could not provide : * The date my request was submitted into underwriting * The current stage of the review * Any estimated turnaround time * Whether the request has been submitted to the VA Additionally, I was told there is no turnaround time, and I was not allowed to speak with underwriting or provided with a supervisor who could resolve the issue. This delay is unacceptable, especially given that this is a VA loan and involves loss mitigation due to hardship.…
" I am attaching a copy of my formal approval letter from Freedom Mortgage ( transcribed below ) which proves my account should not be reported as delinquent for XXXX XXXX Mortgage granted me an FHA XXXX Forbearance effective XX/XX/year> ( see attached letter ). This letter explicitly states my payment due for XXXX is {$0.00}. However, my credit reports currently show I am XXXX days late ' for XXXX. I am requesting that Freedom Mortgage immediately correct this reporting to show the account as 'Current ' or XXXX ' starting XX/XX/XXXX, as you can not be delinquent on a {$0.00} payment. '' as the owner of XXXX XXXX XXXX XXXX, accurate credit reporting is vital for your business operations.…
I was informed by a Freedom Mortgage representative that the company offers a meet or beat pricing policy. I was asked to provide a competing Loan Estimate, which I promptly submitted from another lender with more favorable terms. The representatives written communication indicated that Freedom Mortgage would attempt to match or provide better terms based on the competing Loan Estimate. After submitting the documentation, Freedom Mortgage declined to match or beat the competing offer. No clear or specific explanation was provided regarding why the loan did not qualify for the advertised policy or what criteria were used in the decision. I believe the representation of a meet or beat policy was misleading in practice because : * It suggested a meaningful pricing comparison would occur * No transparent criteria were provided for eligibility * The policy was not applied after reliance on the representation.
I am submitting a complaint regarding the handling of my mortgage forbearance extension with Freedom Mortgage. My original forbearance period was from XX/XX/year> through XX/XX/year>. On XX/XX/year>, prior to the expiration of my existing forbearance, I requested a three-month extension. The servicer approved the extension but applied it with dates of XX/XX/year> through XX/XX/year>. This creates an overlap with my existing forbearance period and effectively reduces my relief by one full month. I have contacted the servicer multiple times and opened two escalation cases to correct this issue. I have been given conflicting explanations, including that the extension was backdated because it was approved in XXXX, and that my prior forbearance ended on XX/XX/XXXX when I submitted the request. Neither explanation justifies starting the new forbearance period on XX/XX/XXXX, which overlaps with an already active forbearance.…
This is where you paste the complaint narrative. Here 's a clean plain-text version ready to copy ( note : the form says don't include personal info like your name or account number the CFPB will ask for that separately ) : I am filing this complaint against Freedom Mortgage and its loss draft servicer, XXXX XXXX XXXX XXXX XXXX for the unreasonable withholding of insurance loss proceeds and a pattern of poor communication, administrative errors, and delays. I sustained property damage covered by my homeowner 's insurance policy with XXXX. XXXX issued an insurance payment made payable to both myself and Freedom Mortgage as the lienholder. I endorsed the check and sent it to XXXX XXXX for processing and disbursement. On XXXX XXXX, 2026, XXXX XXXX confirmed by email that the funds had been deposited into a restricted escrow account. They stated a contractor 's proposal/estimate and inspection were required before releasing funds.…
I refinanced my home in XXXX and requested they ( Freedom Mortgage ) not to withdraw the auto draft after the loan was paid off. They did anyway and said they would issue me a check within 2 weeks. That check would also have the remainder of the escrow balance. That check never came. When I called they updated the time and said 4 weeks. 4 weeks passed and they said it must be an issue with my post office. I contacted post office and spoke with mail man, no issues or mail waiting with them. I spoke with Freedom Mortgage again and they said they would send another check and it would take a minimum of 10 business days. I am now passed due on my XX/XX/XXXX mortgage and will be passed due on my XX/XX/XXXX mortgage payment as I was relying on that money to help support my mortgage payments. Each time I call them they give me the run around and say that the problem is on my end.
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Formal Complaint Against Freedom Mortgage XXXX Transfer Violations, Failure to Provide Required Notices, and Improper Credit Reporting Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Freedom Mortgage for serious servicing failures following the transfer of my mortgage in XX/XX/XXXX. These failures include ( 1 ) lack of required notice regarding payment obligations following transfer, ( 2 ) failure to provide periodic billing statements and delinquency notices, and ( 3 ) improper reporting of late payments to credit bureaus resulting directly from their own errors. These actions have caused significant and measurable harm to both myself and my co-borrower. Background At the time of transfer, I had an established and consistent automatic payment ( autopay ) arrangement with my prior servicer.…
I am filing a complaint regarding inaccurate and misleading credit reporting by Freedom Mortgage XXXX. A late payment was reported on my mortgage account for XX/XX/year>. The XX/XX/year> late payment occurred during an active escrow-related dispute. During this time, I was in communication with the company and actively working to resolve billing discrepancies. Reporting a XXXX delinquency during an unresolved billing dispute does not accurately reflect the status of the account and is misleading. I previously contacted Freedom Mortgage to explain this situation and request a goodwill adjustment. While they acknowledged the payment was late, they did not address the fact that the account was under dispute at the time the delinquency was reported. This reporting issue has significantly impacted my credit profile and my ability to obtain financing.…
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNT! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' FREEDOM MTG - XXXX
On XX/XX/XXXX, I contacted Freedom Mortgage regarding XXXX scheduled mortgage payments that I had set up and was advised to monitor processing and follow up. On XX/XX/XXXX, I called to confirm that the XXXX payments ( approximately {$4900.00} total ) had been processed. During this time, there was confusion regarding payment processing, and XXXX additional payment attempts were initiated on XX/XX/XXXX and XX/XX/XXXX in the amount of approximately {$4600.00}, which were not approved by me and were rejected by my bank. On XX/XX/XXXX, I requested a mortgage payoff statement. This was the only time I called specifically to obtain the payoff letter, and I did not make additional verification calls beyond that request. I received a payoff statement dated through XX/XX/XXXX, which was used for closing.…
Freedom Mortgage discriminated against me in the underwriting process by subjecting my refinance application to excessive verification demands based solely on my FMLA paternity leave status. These delays directly caused the rejection of a loan I was clearly qualified for. My only disqualifying factor was taking legally protected leave to care for my XXXX XXXX. This is my second CFPB complaint against Freedom Mortgage for this loan. My first complaint was filed earlier this year after Freedom Mortgage went silent on my application for over a month a delay I believe was rooted in the same excessive scrutiny applied to my FMLA paternity leave status. That complaint was resolved when they reopened my application. When the process resumed, nothing changed. Despite being continuously employed and receiving full pay throughout my leave, Freedom Mortgage subjected me to repeated and escalating verification demands exclusively centered on my FMLA status and intent to return to work.…
I am filing a complaint against Freedom Mortgage, represented by XXXX XXXX ( Loan Advisor, XX/XX/XXXXXXXX ; XXXX XXXXXX/XX/XXXXXXXX ), regarding a misleading and improperly disclosed mortgage refinance process. On XX/XX/scrub> 2026, between approximately XXXXXX/XX/XXXX and XXXXXX/XX/XXXX, I spoke with XXXX XXXX over the phone about refinancing my existing mortgage of around {$200000.00}. During this call, he stated that there would be no fees to refinance except for Illinois title work of about {$1000.00}. He did not provide me with a written Loan Estimate or any clear written breakdown of the loan amount, costs, or how those costs would be structured before credit was pulled. Shortly after that conversation, I learned that my credit report had been pulled and that the new loan amount would increase from roughly {$200000.00} to about {$200000.00}, even though the only cost I had been told about was the {$1000.00} in Illinois title work.…
We have XXXX VA home loans serviced by Freedom Mortgage for XXXX different properties. We have auto payment enabled on both of them which gives Freedom Mortgage the ability to adjust payments so we always pay on time. For the last year and a half they have not adjusted payments on time which lead to late charges for us. I've had to call multiple times for both loans to get those late charges removed or applied to the mortgage to make up the difference of the loan. They have been servicing our loans for years without any issue when loan payments needed to be adjusted and it's only been in the last year and a half that we've run into issues with them not adjusting the auto payments on the correct schedule to avoid late fees. I am tired of wasting my time calling them to dispute the late charges which is why I'm filing the formal complaint.
On XX/XX/XXXX I spoke with a representative from my mortgage company who told me that if I made my payment by XX/XX/XXXX I would not receive a late on credit report that there would be no negative reporting. I relied on this information. Despite this, I was reported late. I am requesting removal of any negative credit reporting, as I was misinformed by the companys representative.
For the past 9 years I have made my payments with the same account and I have called in to make payments on or around the XXXX of every month. On XX/XX/XXXX I made my payment Of {$1900.00} and I received payment conformation VIA email like always and have never had any problems. I went out the country XX/XX/XXXX to XX/XX/XXXX I didn't get any emails nor phone calls from Freedom stating that they did't get my payment. My husband checked the mail around the XXXX of XXXX and that was first notification of Freedom not getting my payment. All of this took place in XX/XX/2025.
I am requesting urgent assistance regarding a XXXX sale scheduled for XX/XX/year>. I am actively working to avoid XXXX by selling my home and have submitted a complete XXXX alternative to my mortgage servicer, Freedom Mortgage, in the form of a fully executed listing agreement. Here is the timeline of my efforts : I executed and submitted a signed listing agreement to initiate the sale of my property in good faith to avoid XXXX. The listing agreement was provided electronically to the servicer and the XXXX XXXX. A hardcopy was overnighted and confirmed received by XXXX, XXXX has confirmed that the file is currently under review. I have requested escalation and provided applicable legal support under Californias Homeowner Bill of Rights, including protections against dual tracking. Despite these efforts and full cooperation, I have not received confirmation that the foreclosure sale will be postponed while my foreclosure alternative is under review.…
I am submitting this complaint regarding the servicing practices of my mortgage loan by Freedom Mortgage. At present, my mortgage account is paid two months ahead. Despite this, Freedom Mortgage has restricted my ability to make regular monthly payments through their online and mobile platforms. When I attempt to submit a payment electronically, the system only allows the payment to be applied toward the principal balance rather than as a standard monthly payment, which is not my intent. As a result, the only option provided to make a regular monthly payment is to call their customer service line. This process requires extended wait timesoften exceeding 10 minutesand includes repeated unsolicited marketing of additional products and services, even after I have explicitly declined such offers. I am concerned that these practices effectively limit my ability to conveniently and properly manage my mortgage payments.…
I purchased a new construction home in XXXX. From XXXX XXXX Freedom Mortgage collected XXXX XXXX in escrow. In XX/XX/XXXX XXXX conducted an escrow analysis projecting my XXXX XXXX tax at only {$300.00}, declared a {$2100.00} surplus, and issued me a refund check. The XXXX XXXX tax bill paid in XX/XX/XXXX was {$2100.00} more than 7 times the projected amount. As a result my escrow went into a {$2500.00} shortage and my monthly payment jumped from {$2400.00} to {$2800.00} in XX/XX/XXXX. The $ XXXX shortage repayment spread was caused directly by Freedom 's projection error on a new construction property that had not yet received its full tax assessment. When I called to dispute this I was told Freedom can only use county-provided data, but no explanation was given for why their own prior $ XXXX escrow collection contradicted the XXXX analysis. I am requesting the shortage spread be waived.
I am filing a complaint regarding Freedom Mortgage Corporations failure to properly deliver and reissue an escrow refund following the payoff of my mortgage loan. My loan ( Loan Number : XXXX ) was paid off in connection with a refinance in late XX/XX/year>. I was informed that an escrow refund check in the amount of {$480.00} ( Check No. XXXX ) was issued on or about XX/XX/year>. I never received this check. Since that time, the following has occurred : -I received written notice that the original check had not been cashed -I contacted Freedom Mortgage and reported that the check was never received -I was informed that a replacement check would be issued -I later learned that no replacement check had actually been sent -On XX/XX/XXXX, I spoke with a representative named XXXX ( ID # XXXX XXXX and again reported non-receipt -During a subsequent call, I was explicitly told that a replacement check would be sent via XXXX within five business days and that I would receive tracking…
I am filing this complaint regarding the improper handling of my mortgage payments by Freedom Mortgage. I have consistently made payments, often paying more than my regular monthly amount of approximately {$2900.00}. In many cases, I paid around {$3000.00} or more, which should have been sufficient to cover my monthly payment and any applicable late fees. However, my payment history shows that portions of my payments were repeatedly placed into unapplied funds ( UAF ) instead of being properly applied to my account. Because of this : - My payments were not fully applied when received - Funds were held in suspense ( UAF ) - My account appeared incomplete or delinquent - Late fees of {$91.00} were repeatedly assessed For example, my account showed {$540.00} in unapplied funds as of XX/XX/year>, yet late fees continued to be charged. This created a cycle where payments were received but not properly applied, which directly caused additional late fees.…
I am disputing an inaccurate delinquency reported on my mortgage account : Account # : XXXX Your report shows a XXXX late payment for XX/XX/XXXX. This reporting is factually incorrect and impossible based on my documented payment terms. My account history is as follows : Approved forbearance : XX/XX/XXXX XX/XX/XXXX ( payments suspended ) Repayment plan approved : XX/XX/XXXX First re-payment due BY : XX/XX/XXXX Because no payment was due in XX/XX/XXXX, the account could not be delinquent. Reporting a XXXX late status during a period with no payment obligation is inaccurate.
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