Mortgage -- Problem with a company's investigation into an existing problem -- Complaint #13086479
Complaint Overview
Complaint ID: 13086479
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 78245
Date Received: 2025-04-20T12:00:00-05:00
Date Sent to Company: 2025-04-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint against Freedom Mortgage for inaccurate credit reporting and misinformation provided by their representative. On XX/XX/year>, I contacted Freedom Mortgage regarding my mortgage account and was informed by their representative that, since my loan was in loss mitigation status and under review for a forbearance, the XX/XX/year> delinquency would not be reported to the credit bureaus. I was later approved for an informal forbearance period from XX/XX/XXXX through XX/XX/year>, as confirmed in their letter dated [ insert letter date ]. However, despite the assurance I received during the call, a 30-day late payment for XX/XX/year> was reported to the credit bureaus, resulting in a XXXX drop in my credit score. This misinformation has caused significant financial hardship and credit damage, especially as I am actively trying to regain financial stability during this time. I have attached the letter I received from freedom mortgage, my original complaint, and their response. They have not addressed the issue of misinformation received from their company.
Frequently Asked Questions
What is Complaint #13086479 about?
Complaint #13086479 was filed against Freedom Mortgage Company regarding Mortgage specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-20T12:00:00-05:00.
How did Freedom Mortgage Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Freedom Mortgage Company?
Yes, visit the Freedom Mortgage Company company profile at readthecomplaint.com/company/freedom-mortgage-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.