Consumer complaint received 2023-09-28
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXXXXXX  Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear Sir/Madam : Account Reference : XXXX I have been a customer with your company starting early XXXX  and during that time, I want to express how pleased I have been with your customer service and also my gratefulness to have experience being serviced by Freedom Mortgage , it is great. I am writing to see if you would be willing to make a one-time " goodwill '' adjustment to your reporting to the three credit agencies. As I review my credit file, I have two late payments on the above referenced account, in which I am fully aware of. The months in which this has taken place are in the months XXXX and XXXX of XXXX. Since that time, your company has been so gracious to offer me a partial claim in which I was just made aware. This opportunity affords me time to inhale and exhale smoothly whilst catching up on all the bills around me as well as build a nest so that I never run into this problem ever again. 


Because of my exceptional payment history over the last few years, I am at your mercy and would like you to consider removing the negative payments from my credit reports. At the time of the late payments, we had just moved into our new home in XX/XX/XXXX and were getting adjusted to the new monthly bill schedule, as well as welcoming my XXXX boy into our lives, I had just returned back to work in effort to get back to our normal routines, I caught XXXX in XXXX and a domino effect my daughter and XXXX sons contracted the virus as well, which required me to take much more time off of work. As a single parent, I was left with the idea of juggling do I pay my mortgage or feed my family and also ensure that the utilities are maintained monthly. Due to this new variant, I have missed payments with my new loan as I wasn't near organized enough yet to have a savings plan in effect. I say this not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Freedom Mortgage is willing to work with me on erasing these marks from my credit reports. 

I am extremely excited and super eager to be a customer of yours, so much so that I am looking forward to refinance with new PMI rates as early as XX/XX/XXXX. I am hopeful to continue a long relationship with Freedom Mortgage. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Freedom Mortgage has been exceptional in our book so far and we highly recommend it to all of our friends and relatives. We hope that you will deeply consider this request and prove once again, why Freedom Mortgage is heads above the rest. I look forward to your reply. 


Thank you in anticipation. 


XXXX XXXX XXXX XXXX ( 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