Consumer complaint received 2023-10-19
Company: Freedom Mortgage Company
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, Customer Advocate Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX VIA EMAIL XXXX XXXX, Florida, XXXX XXXX XXXX XXXX RE : Loan # XXXX, SUBJECT : Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Dear XXXX XXXX, I do not know who I am able to contact at Freedom Mortgage to resolve a very serious problem, but you are listed in XXXX as a Customer Advocate, so I am writing to you. I received a Notice from a Credit Reporting Service I belong to and was shocked and bewildered that Freedom Mortgage had the audacity to actually report that I am delinquent on the above referenced mortgage loan. XXXX XXXX notified me that you reported my account to XXXX and XXXX as delinquent and my rating went down XXXX points. Not only is this irresponsible and unjustifiable, and bordering on liable and defamation, but is totally illegal. I have been in conversations with your customer service for several weeks regarding this account and Freedom Mortgage received the same amount I have been paying for months, on time each month, and because you changed the escrow amount without my knowledge, you misapplied my payments. I am enclosing with this letter written proof that my bank submitted the full amount of my payments for every month for the last six months through XXXX XXXX XXXX XXXX XXXX. For Freedom Mortgage to submit a delinquent notice to XXXX XXXX and other credit reporting agencies when all payments were made on time is immoral, illegal and a breach of your fiduciary duty. Furthermore, due to your irresponsible actions my credit rating has been reduced by over 60 points, which is grounds for a lawsuit based on precedent. See Court of Appeal, XXXX XXXX, XXXX XXXX, California. Alan R. SPORN, v. HOME DEPOT USA , INC. I have been building up my credit over the last two years from the previous Freedom Mortgage false claims to credit bureaus and will, in fact, pursue this to its fullest if it is not immediately reversed. 

I am, therefore, filing this formal complaint with you personally and Freedom Mortgage, along with the government agencies copied on this letter. Furthermore, I am demanding that you immediately rescind your negative report to all three Credit Bureaus and advise them that the delinquent notification from Freedom Mortgage is null and void and that any misunderstanding is entirely the fault of Freedom Mortgage and that any negative effect on my credit score should be immediately reversed. Furthermore, any and all late charges initiated by Freedom Mortgage be immediately reversed. Any delay will be construed as a default and breach of agreement and will result in further investigation of legal action against Freedom Mortgage. 


Respectfully, XXXX XXXX Encl Cc : Executive Director - Residential Servicing, Freedom Mortgage Company, XXXX XXXX XXXX XXXX, Indiana XXXX Via Email XXXX XXXX XXXX XXXX XXXX, Senior Executive VP Residential Servicing via email XXXX XXXX XXXX XXXX XXXX, Executive VP & Executive Advisor to the CEO via email : XXXX XXXX XXXX Director of Customer Care via email XXXX XXXX XXXX XXXX XXXX Operations Manager via email XXXX XXXX XXXX XXXX XXXX Director via email XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Senior Vice President XXXX XXXX XXXX, XXXX, PA XXXX via email XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX via email XXXX XXXX, XXXX XXXX, Sr . Manager, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX via email XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX CA XXXX via email XXXX XXXX XXXX XXXX XXXX XXXX, Attn : Consumer Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX via online complaint. 

XXXX XXXX XXXX  XXXX XXXX Florida, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX via online complaint. 

Department of Housing and Urban Development, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Consumer Financial Protection Bureau , XXXX XXXX XXXX XXXX , XXXX, DC XXXX via email XXXX State of California, Department of Justice , Attorney General 's Office , Attn : Consumer Complaints Dept. , XXXX XXXX. XXXX  XXXX, XXXX, CA XXXX via online complaint. 

Florida Office of Financial Regulation, XXXX XXXX XXXX XXXX. XXXX FL XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation