Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #15539894
Complaint Overview
Complaint ID: 15539894
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Delays in the application process
State: Florida
ZIP Code: 33055
Date Received: 2025-08-26T12:00:00-05:00
Date Sent to Company: 2025-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am filing a formal complaint against Freedom Mortgage regarding their handling of my loan assumption application. Throughout this process, I have experienced repeated misrepresentation, lack of due professional care, intentional delays, and contradictory statements that have placed me in an extremely difficult position as a consumer. From the very beginning, Freedom Mortgage has provided me with conflicting information about my file status. I was told multiple times that my loan was in underwriting when it was not. Later, I was told my file was conditionally approved, but this was not an official underwriting decision, but merely an email with vague language. These misleading representations caused me to update sellers, incur financial and emotional stress, and make decisions based on false information. In addition, Freedom Mortgage has made numerous errors with my debt-to-income calculations, insurance figures, and treatment of rental income despite having all the documentation from me multiple times. Requests for documents have been duplicated weeks later, suggesting that my file was not reviewed with diligence. Each time I provided exactly what they requested, yet new and contradictory conditions appeared. I escalated the matter several times within Freedom Mortgage, but the lack of accountability and transparency remained. What should have been a straightforward loan assumption process has turned into months of delays, mismanagement, and what feels like intentional stalling. As a consumer, I believe I have been subjected to : Misrepresentation and misleading communication about my loan status. Negligent handling of my file, with repeated mistakes and missing information despite my full compliance. Unreasonable delays that appear intentional and obstructive. Lack of due professional care, creating unnecessary stress and jeopardizing my ability to close on a home. I respectfully request that the CFPB review Freedom Mortgages handling of my file and hold them accountable for these actions. No consumer should have to experience such gross mismanagement when dealing with XXXX of the largest government-backed mortgage servicers. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15539894 about?
Complaint #15539894 was filed against Freedom Mortgage Company regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2025-08-26T12:00:00-05:00.
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.