Consumer complaint received 2023-10-11
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the following to XXXX . XXXX  ( Freedom Mortgage CEO ) by way of email this morning and sent to any and all emails that I could find on Freedom Mortgage 's website. Not sure if any of this will reach the individuals that have the power to correct this issue. 
=== Good morning XXXX XXXX XXXX, Hope you and your family are doing well. 

My name is XXXX XXXX XXXX. My wife is XXXX XXXX XXXX. 

The purpose of this email is to inform you that my wife and I are very unhappy with Freedom Mortgage. We have two of our properties with Freedom Mortgage. In the forty years that we have owned property, we have never been late with our payments. 

The reason we are so disappointed with Freedom Mortgage is because on XX/XX/2023 ( my XXXX XXXX XXXX ) my wife made the house payment on our XXXX  XXXX  ( Account # XXXX ) at XXXX Colorado Time . The payment was not credited by Freedom Mortgage until XX/XX/. 

Freedom Mortgage then reported that payment being " 30 days late '' on XXXX and XXXX and " 60 days late '' on XXXX on both XXXX and my credit reports. This is both disheartening and disappointing. Please see the attached for the detail. 

After eight phone calls to Freedom Mortgage, we are being told multiple stories as to why this has happened and Freedom Mortgage refuses to correct this error. 

We are reaching out to you to help us correct this error, Sir. 

XXXX and I are requesting is as follows .... 

Please remove the " 30 days late '' on both XXXX XXXX XXXX and XXXX XXXX XXXX on both XXXX and XXXX. Please remove the reported " 60 days late '' on XXXX on both XXXX XXXX XXXX and XXXX XXXX XXXX. 

Thank you in advance for your help on this matter. 

I had hoped that it would not have to come to this. However, I feel it necessary at this time to post the following on all platforms of social media. Once this matter has been corrected, then we will be more than happy to remove the following and replace it with a Raving Review of Freedom Mortgage. 

" I AM ONE VERY UNHAPPY CUSTOMER! My name is XXXX XXXX. On XX/XX/, my wife paid the house payment on one of our properties ( Account Ending in XXXX ) to Freedom Mortgage at XXXX MST. Unbeknownst to us, Freedom Mortgage ( who is on the XXXX XXXX ) did not credit that payment until XX/XX/. Freedom Mortgage then reported " 30 days late '' for the XX/XX/XXXX  payment on XXXX and XXXX and " 60 days late '' for the XXXX payment to XXXX. After multiple calls, Freedom Mortgages has given my wife and I multiple stories on why this has happened and refuses to correct this error. BUYER BEWARE : If you are considering utilizing Freedom Mortgage for your mortgage loan, we would strongly suggest that you shop elsewhere for your Mortgage needs. Freedom Mortgage can not be trusted. We will not be utilizing Freedom Mortgage in the future. '' Thank you for helping us to correct this issue. 

Kind regards, 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