Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #18115363
Complaint Overview
Complaint ID: 18115363
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Changes in loan terms during the application process
State: South Carolina
ZIP Code: 29456
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'On this day, XXXX XXXX XXXX, I received a call from my mortgage provider offering to refinance my existing mortgage at a rate that was 1% less than I am paying currently with no out of pocket cost. After verifying the details ad being assured that there was truly no out of pocket cost, I agreed to proceed. After the representative ran my credit, he sent the loan documents. There was a $XXXX fee to me appearing. I sent several emails questioning this and finally had to call to speak to the agent. I was then told that yes, I would have to pay the amount. This is dishonest and illegal to change the terms of the loan after an agreement was made. Now I have a hit to my credit score because this person lied. I contacted the company to complain, but they do not appear to care. \n\nThe representative was on a recorded line when he stated there were no charges to me. Hopefully they will provide that for an investigation into their practices.\n\nThe person I spoke with was:\n\XXXX XXXX\nLoan Originator\nFreedom Mortgage Corporation \nNMLS ID#XXXXXXXX'
Frequently Asked Questions
What is Complaint #18115363 about?
Complaint #18115363 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 2025-12-03T12:00:00-05:00.
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.