Mortgage -- Struggling to pay mortgage -- Complaint #5814362

Complaint Overview

Complaint ID: 5814362

Company: Freedom Mortgage Company

Product: Mortgage

Sub-Product: FHA mortgage

Issue: Struggling to pay mortgage

State: Georgia

ZIP Code: 30815

Date Received: 2022-07-26T12:00:00-05:00

Date Sent to Company: 2022-07-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

In XXXX of XXXX I went into forebearance with Freedom Mortgage. During the time I was in forbearance I was given information from Freedom Mortgage to apply for the XXXX XXXX assistance program. I applied for the program as soon as I received the information. I'm not sure of the exact date that I applied. My forbearance was due to end in XXXX and I still hadn't received an approval or denial from the XXXX XXXX assistance program. I explained this to Freedom Mortgage that I was waiting still waiting to hear from XXXX XXXX assistance. I was told about other options that I could do, but it wasn't explained that it would be one or the other. I was told that I had to accept the partial claim by a certain date. I wasn't aware that if I received the partial claim that I couldn't receive the XXXX XXXX assistance. I signed the papers on XX/XX/XXXX for the partial claim under the impression that if approved for the XXXX XXXX assistance it would pay the balance for me. I was approved for the XXXX XXXX assistance less than a month later after signing the papers. XXXX XXXX assistance sent a payment of XXXX, XXXX to Freedom Mortgage. This amount would have covered the XXXX, XXXX that I owed plus pay for an additional three months of my mortgage. I was then told by Freedom Mortgage that the money would have to be sent back because I had received the partial claim. I made my first payment in XX/XX/XXXX and my second payment in XX/XX/XXXX. I explained to Freedom Mortgage that if they had explained to me that I wouldn't be able to receive the XXXX XXXX assistance money if I accepted the partial claim I wouldn't have signed anything until I had received my approval or denial. I was told by more than one employee of Freedom Mortgage that there has been customers in my same situation and the modification was reversed. I spoke with several people at Freedom Mortgage and everyone of them told me something different. I was to that my situation would be sent to the escalation department to be reviewed. I was also instructed to send a message in the message center requesting that the money be held until the situation was handled. I did send a message requesting that the money be held. Instead the money was sent back anyway. Now I have a lien on my property that still puts me in a financial hardship. I contracted XXXX in XX/XX/XXXX and I haven't been able to return to work since due to health issues caused by XXXX. I have not missed a payment on my mortgage since I've been in my home. Now I'm in a situation beyond my control and I'm being penalized for it. Freedom Mortgage mislead me in this entire process.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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