Mortgage -- Struggling to pay mortgage -- Complaint #7610313
Complaint Overview
Complaint ID: 7610313
Company: Freedom Mortgage Company
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
State: Wisconsin
ZIP Code: 53066
Date Received: 2023-09-26T12:00:00-05:00
Date Sent to Company: 2023-09-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am facing foreclosure due to negligence by Freedom Mortgage. My husband and I refinanced our original mortgage on our home with Freedom in XXXX, XXXX. We both signed the new mortgage as borrowers. In XXXX, my husband and I divorced. In XXXX, XXXX, my ex-husband quit claimed the house to me. In XXXX, my ex-husband discharged his personal liability for the mortgage through a bankruptcy filing. In XXXX, XXXX, I entered a loan modification trial period with Freedom. I made all payments through XXXX, XXXX. In that month, Freedom sent me a final agreement packet that was in my ex-husbands name. Freedom acknowledged my status as the successor in interest to my ex-husband via a letter in XXXX, XXXX. However, they have consistently refused to work or communicate with me about the loan, insisting that they can only speak to my ex-husband as the borrower. This is incorrect. Under RESPA, I am to be considered the borrower because of my status as successor in interest. I have attempted to submit an application for a new loan modification, but Freedom only returns an offer in my ex-husbands name. Because they will not work with me on a loan modification agreement, I have been unable to make payments. Freedom filed for foreclosure in XXXX, shortly after the property was quit claimed to me. At that time, the past due amount was approximately {$6200.00}. That was when I started the first loan modification, resulting in the trial period beginning in XX/XX/XXXX. Now Freedom claims that there is over {$81000.00} owing on the loan. They have been adding interest and late fees while also not working with me as the borrower to develop a loan modification plan. I have applied for HAF funding to cover up to {$40000.00} of the amount owed. But Freedom is refusing to provide me with a loan modification application in my name to address the remaining amount owed. Instead they keep sending an application in my ex-husbands name, with a request that he reaffirm the debt. In communications with Freedom, I am told conflicting things about my account. Some representatives tell me that I do not need to assume the mortgage, others tell me that I do need to. Some representatives tell me that my ex-husband is the only person they can talk to about the mortgage, others will talk with me but then send me documents in his name only. Freedom is inconsistent in mailing information - sometimes it arrives addressed to me, sometimes addressed to my ex-husband. I can not get them to commit to communicating and working with me as the borrower.
Frequently Asked Questions
What is Complaint #7610313 about?
Complaint #7610313 was filed against Freedom Mortgage Company regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2023-09-26T12:00:00-05:00.
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.