Consumer complaint received 2018-07-06
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Urgent Request Please Rush for a Credit Reporting Correction for Loan # XXXX Good Afternoon my name is XXXX XXXX   from XXXX XXXX XXXX, XXXX XXXX NJ XXXX. Last four of my SS # XXXX  DOB XX/XX/XXXX I have been trying to get a refinance done since the month on XX/XX/XXXX on the above property which is my primary residence. In the month of XX/XX/XXXX, there was a miss payment made on the account on XX/XX/XXXX and then taken out of my account as a miss payment reversal on the XX/XX/XXXX. I went into my account to make my payment and not know because of the miss payment. I thought I was making the payment for XX/XX/XXXXbut in fact it was for XX/XX/XXXX. I was never notified of a reversed payment on my account and I continued making my payment as normal thing it was on time. On in the month of XX/XX/XXXX I get a mortgage verification stating that I have been 30 days late for the last 3-months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not to mention in the month of XX/XX/XXXX my Loan officer told me not to worry about the payments because they would be included in my payoff. Failing to tell me that if I do not close I still have to make the payments. ( Email from loan officer is attached too. I have owned this house since XX/XX/XXXX, I have not ever paid my mortgage 30 days late, I selected to do my refinance with Freedom Mortgage since you are my lender and I thought it would be faster and easier rather then going with another lender that dose not have my information. I need to finish the refinance so that I can continue the funeral arrangements for my deceased veteran mom. I have been through so much misleading information and delays with Freedom and the Loan officer that has no idea what he is doing. Every week was something new and I had to jump through hurtles to get this done and still all this time and money on appraisal wasted and nothing to show for it. Attached is the report. I really need your help with removing these 30 day lates off of my credit so I can just move on, at this point I can not even finish this refinance with no one. This is not fair that I must pay for someone mistakes please I beg you, I just want to finish this process and move on. Today I called in XXXX to XXXX and spoke to the Rep XXXX ID # XXXX  he was nice and told me about the miss applied reverse payment for 1 and half hours. I told me I need some type of resolution and that I would have to fax or email my request in writing to the credit department for a review. Till this day I have never even received a courtesy call from my old loan officers manager or anything. Loan Officer : XXXX XXXX Loan Advisor NMLS # XXXX  Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone : XXXX   ext. XXXX Fax : XXXX Direct : XXXX Email XXXX Please I need a resolution to this, so my credit is not suffering I am not sure what to do. Thank you, 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