Consumer complaint received 2019-06-15
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, last XX/XX/XXXX, I was diagnosed with an aggressive form of XXXX XXXX. I was then placed on medical leave from XX/XX/XXXX until XX/XX/XXXX. As soon as I realized that I would be off work for a long period of time, to undergo XXXX treatment, I contacted my mortgage provider, Freedom mortgage, to ask for information about services that would help me in the future if I were unable to pay my mortgage. Initially I was referred to the Nevada hardest hit fund, I completed the application but was denied. I was okay with the denial at the time, because I was still receiving pay from the catastrophic leave donations that I received from co-workers. I also did not want a five-year lien on my property in turn for the help that Nevada hardest hit fund would have been giving me. Fortunately I was able to pay my mortgage and all of my other bills and my car loan, during the time that I was out of work. However by the time that XXXX came, my income had drastically decreased and I knew that I had to get back to work or else I would be in trouble for not paying my bills. I went back to work on XX/XX/XXXX, which was two weeks sooner than my XXXX and XXXX oncologist would have had me go back to work. However I knew that I had to return to work because I needed to pay my mortgage and other bills. I returned to work on XX/XX/XXXX, at which time my mortgage for the month had not yet been paid. I contacted Freedom mortgage to advise them that my mortgage would be late because I would not get a paycheck until the following month on XX/XX/XXXX. My concern was that I did not want my mortgage payment to be reported late to the credit bureau 's, because I knew that it would drastically damage my credit score at a time that I am trying to maintain my credit score, my  good health, and my lifestyle. Freedom mortgage advised me that there was nothing that they could do to help me because I was not in default at the time of my call in XXXX. I was advised that I would have to wait until I was 30 days or more late before I could call and request help. I was asked if I wanted to file a modification, at which time I declined because I did not want to lose the current interest rate which is only XXXX. I knew that I would be paying my mortgage and I would eventually catch up as time went by and I continue to work. Following the payment of my XXXX mortgage on XX/XX/XXXX, I contacted Freedom mortgage again, to ask if they would remove the late reporting from the credit report. They advised me to write a letter explaining my situation and to provide them with proof of my medical condition and they would review it but they could not promise me that they would move the late reporting. I was also told that late reporting is usually only removed if there is a natural disaster. I felt offended because although my illness was not a natural disaster, XXXX is very much a medical disaster. I felt that their decision to allow the late payment to remain on my credit report, although they were made aware of my medical condition from the beginning of my diagnosis, until I struggled to make the payment in XXXX, was not fair to me. I was very sincere in maintaining contact with my mortgage loan servicer and Advising them of my medical situation along the way, and all that I wanted was for them to understand that throughout the entire time that I was off work I made my payments with no problems and I was only struggling to make one payment in XXXX. It should also be noted that my home loan was also included in my Chapter XXXX bankruptcy which was discharged on XX/XX/XXXX. Although I requested to reaffirm the debt with freedom mortgage, the bankruptcy judge declined to approve the reaffirmation. The judge explained to me why he would not approve the reaffirmation of my home loan. However I was advised that I could retain the collateral property as long as I continue to pay my mortgage, which I have continued to do. Although I struggled and there was a hardship in my life, I continue to remain in the home, to provide good care of the home, and to continue to pay the mortgage. It is my understanding that Freedom mortgage can not legally report my payment history to the credit bureaus any longer. I am not worried about Freedom mortgage reporting my payments, I am hugely dissatisfied that the reporting of the late payment has caused me to lose 100 points from my credit score. My letter and open communication to Freedom mortgage was in an attempt to reverse the late payment so that I can receive the points that I so deserve two positively raise my credit score oh, so that I continue to move forward and better myself and my living situation. It is my sincere hope that after reviewing the documentation that I have uploaded, which is the same exact documentation that I sent to Freedom mortgage, that you can assist me and finding a resolution. Also, I am blessed to tell you I am a XXXX survivor. As of XX/XX/XXXX I was given a XXXX-free verdict and following my XXXX XXXX sessions oh, I have been given the good news that the chance of reoccurrence is less than 7 %. I am thankful that XXXX blessed me I am back at work and I have a promising career. 

Respectfully and yours truly, 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