Mortgage -- Struggling to pay mortgage -- Complaint #16118233
Complaint Overview
Complaint ID: 16118233
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-Issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief
State: Florida
ZIP Code: 34606
Date Received: 2025-09-21T12:00:00-05:00
Date Sent to Company: 2025-09-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Complaint Against Freedom Mortgage Corporation Loan No. : XXXX Property Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX In XX/XX/year>, I completed a hardship assistance request with Freedom Mortgage. A notary came to my home, I signed and notarized the required documents, and I was told the documents were received. On XX/XX/year>, however, an unknown and unprofessional-looking person came to my door unannounced, claiming to represent Freedom Mortgage. They left a letter stating that my notarized documents had not been received and warning that my account would remain in default and normal collection activities could resume. This is incorrect and conflicts with both my records and Freedom Mortgages prior approval of me under the COVID-19 Recovery Standalone Partial Claim. I have serious concerns about : Contradictory information : Freedom Mortgage previously confirmed receipt of my documents, yet the letter says the opposite. Unannounced visit by an unverified person : I had no way of knowing if they were actually a representative. Threat of default and credit harm : The letter suggests I am at risk even though I complied. Legal Concerns : Under RESPA ( 12 U.S.C. 2605 ), servicers must maintain accurate records and provide clear communication. Contradictory messages may violate these obligations. If the visitor was a third-party contractor, their conduct may also violate the FDCPA ( 15 U.S.C. 1692 ) by misrepresenting the status of my loan. The conflicting and misleading communications may also qualify as unfair or deceptive practices ( UDAP ).
Frequently Asked Questions
What is Complaint #16118233 about?
Complaint #16118233 was filed against Freedom Mortgage Company regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-09-21T12:00:00-05:00.
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.