Mortgage -- Trouble during payment process -- Complaint #5473778
Complaint Overview
Complaint ID: 5473778
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: Michigan
ZIP Code: 48239
Date Received: 2022-04-20T12:00:00-05:00
Date Sent to Company: 2022-04-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was " passed to '' or bought by Freedom Mortgage in XXXX of XXXX. I never had any problem until Freedom has been my mortgage company. My payment started out at $ XXXX and had potentially increased to $ XXXX in XXXX until I raised XXXX about whatever is going on with this company and my account. I have to call them 2 or 3 times monthly because of major discrepancies. Finally one of the representatives agreed that something was not right on my account and had the company do " research ''. My payment went from {$1300.00} ( the payment that was increasing from {$1300.00} in XX/XX/XXXX ), to {$1300.00} due to this research. Now I'm wondering about the balance. Is it correct? Ever since I've been with Freedom they have been literally hounding me to refinance by sending two big packets, calling and sending notices to me! In XXXX things really took a turn for the worst. All along, they kept constantly telling me that my Escrow was insufficient and my payment kept increasing. Finally, this year after they threatened to increase my payment once again from {$1300.00} to {$1300.00} for XXXX 's payment, I said, " If they're taking out almost {$700.00}. for my escrow each month how can I be so short so much? '' I feel like my payment is skyrocketing out of control! In XXXX I had decided that I needed to babysit Freedom and keeping very close track of my Escrow, but things are continuing to spiral. In XX/XX/XXXX they took two payments out of my account for $ XXXX and they had to refund a payment. In XX/XX/XXXX they took my payment of {$1300.00} ( my new payment after the research ) and then tried to take out {$1400.00}, charging XXXX non-sufficient fund fees to my account for {$30.00} for a total of {$60.00}. What can be done? Their are too many errors being made.
Frequently Asked Questions
What is Complaint #5473778 about?
Complaint #5473778 was filed against Freedom Mortgage Company regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-04-20T12:00:00-05:00.
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.