Consumer complaint received 2020-01-28
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was aware that I'd fallen behind 1 month on the mortgage but was not aware that I had somehow fallen 2 months behind. I received the statement at the beginning of XX/XX/XXXX telling me that I owed two months worth of payments Plus {$500.00} in late fees and additional {$200.00} in miscellaneous charges. I get paid every other week so my mortgage is always late because I don't make enough money to pay my mortgage by the XX/XX/XXXXto avoid the late fee of {$29.00}. I've been sending an additional {$100.00} per month for the last 12 months to cover any late fees and miscellaneous fees due to the check being late every month. the total amount in late fees that I paid as stated on my checks that I sent them with my statement due was {$830.00}. I received three separate bills from them 3 days apart for three different amounts of what I was supposed to pay to avoid foreclosure on my home. I borrowed money from a relative to pay the highest amount which was {$2900.00}. I've encountered an issue with Freedom Mortgage before where they get my check on time for the mortgage payment but they hold it until after the last date possible to cash it and then impose a late fee on me. So to save our home I paid {$25.00} to have the payment sent overnight mail certified signature required. It was received on 1/23/2020 and all them my mortgage account shows the payment was received today 1/27/2020, they still have not cashed it. I also sent me this payment copies of the three separate bills they sent me three days apart showing three different amounts and a statement showing my check number the month mailed and the amount and how much was paid in late charges with each check that I sent in. I also inquired why they were charging into their {$500.00} in past owed late charges in addition to another {$200.00} in fees. You can't get ahold of anybody by the phone didn't respond to you in the shuffle you around until you finally get someone who just hangs up on you. When reviewing my online account today with them and they charged me {$20.00} six separate times. In one day with no explanation. I want to know where the {$830.00} I sent over the last 12 months and late fees went and where the other {$700.00} in late fees and miscellaneous charges is going. They are misusing my hard-earned money to pay my mortgage. I just mail XX/XX/XXXX payment today. But I mailed in two separate checks. one is for the mortgage payment and the second check is for {$29.00} which is the late fee and specifically stated my reasoning for two separate checks because they are misusing my funds when I mail them a check. I'm trying to save up {$1100.00} so I can go online on the XX/XX/XXXX of each month and pay the mortgage timely without having to worry about the misusing my funds. However this is been an issue every XX/XX/XXXX or XX/XX/XXXX for the last three years with this Mortgage company. I want my mortgage sold to a different finance institution who won't abuse my mortgage loan and threaten to foreclose on my home when I'm making payments on my mortgage every month.

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