Mortgage -- Trouble during payment process -- Complaint #5170826
Complaint Overview
Complaint ID: 5170826
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Illinois
ZIP Code: 628XX
Date Received: 2022-01-31T12:00:00-05:00
Date Sent to Company: 2022-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX : Freedom Mortgage made an erroneous payment in the amount of {$3700.00} for " Hazard Insurance '' for a policy unrelated to my mortgage or account in any way. According to Freedom 's representative, this disbursement was made in error and resulted in a negative escrow balance, subsequently creating an incomprehensible statement. Subsequently, Freedom asserted that my account was deficient by {$7400.00}, while I was at all times making regular mortgage payments and a single payment of over {$7000.00}. XX/XX/XXXX : A RESPA QWR was sent to Freedom Mortgage by my attorney, seeking an audit of my account and disputing the arrearages asserted by Freedom. Freedom subsequently sent an initial response, stating that they would provide the requested material as soon as possible. By XX/XX/XXXX, Freedom had not provided any additional information or made any further contact. XX/XX/XXXX : A second RESPA QWR was sent to Freedom Mortgage by my attorney, citing Freedom 's failure to respond and restating my request for the information sought and my dispute of the asserted deficiencies. XX/XX/XXXX : Freedom has failed to provide any additional response or communication. Freedom has further lock me out of my online account and continues to send mortgage statements showing a {$7400.00} deficiency.
Frequently Asked Questions
What is Complaint #5170826 about?
Complaint #5170826 was filed against Freedom Mortgage Company regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-01-31T12:00:00-05:00.
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.