Consumer complaint received 2018-10-21
Company: Freedom Mortgage Company
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is additional information to be added to complaint # XXXX. 

Freedom Mortgage insists that they are reporting account correctly. I totally disagree and have submitted documentation to show that they are in fact reporting inaccurately and have refused to provide an explanation on how account is being reported correctly.. 
Freedom Mortgage ( XXXX, TX ) letter dated XX/XX/XXXX stated that they have received my written inquiry and are reviewing the information that I have provided and to allow up to ( 30 ) days for a response. I have received many of these letters, with negative results. 
Freedom Mortgage ( XXXX, TX ) letter dated XX/XX/XXXX stated the same thing in the letter of XX/XX/XXXX. The in results continue to be the same. Negative results. 
Freedom Mortgage ( XXXX, TX ) letter of XX/XX/XXXX states that mortgage payment is now ( 60 ) days or more past due and loan is in default. I find their comments shocking and appalling. In this letter they state that they are concerned about missing payment and want me to be aware of assistance available to me in case I am unable to bring payments current. As stated in previous letters, payments have been made in accordance terms of contract. Evidence shows that Freedom Mortgage ( XXXX, OH ) has posted payments. I had attached copies of the confirmed payments for their review. These payments contradicts you reporting account as being past due. 
During my research, it was revealed that another department within Freedom has created an internal document called the detail history report. This report has shown that current mortgage payments have been applied to previous months, unknowing to myself. A review of monthly mortgage bill does not mention applying monthly mortgage payments to past months. Mortgage bill shows distribution of payments being applied to Interest, Escrow,  and Principal. I found nothing in the mortgage contract which states that current payments would be applied to previous months. Freedom unwillingness to explain why they continue to apply current mortgage payments to previous months continues to cause account to be reported as being past due, and customer being penalized and humiliated. I have yet to received as much as a telephone call on why Freedom Mortgage continues to perform these outrageous practices. The last time I spoke with a Freedom Mortgage Representative was in late XXXX. Freedom Mortgage had even assigned a POC, who has failed to contact me. This is poor customer relations! What authority does Freedom Mortgage have to apply payments to previous months. I have yet to receive any documentation which authorizes Freedom Mortgage to apply payments where they want without consulting customer. Why is the system allowing this to occur. 
In the letter of XX/XX/XXXX Freedom continues to send financial request forms. These forms have been submitted at least ( 3 ) times. Appears that one department does not know what the other department is doing.Maybe forms got lost in transition. 
Freedom Mortgage ( XXXX, TX ) letter of XX/XX/XXXX states that their records reflect that loan is now one payment overdue totaling {$3100.00}. I disagree with payment being behind. This overdue amount is found on Mortgage statement dated XX/XX/XXXX. Freedom Mortgage posted XX/XX/XXXX payment on XX/XX/XXXX & XXXX totaling {$1500.00}. ( See attached payment detail ). Mortgage Statement of XX/XX/XXXX shows that XX/XX/XXXX had been applied to XX/XX/XXXX and XX/XX/XXXX. Why is this? See attached payment detail for XX/XX/XXXX and XX/XX/XXXX payments. 
I continue to dispute that account is accurately being reported. Confirmations, checks and banking statements continued to be sent, with not responses returned to customer.Freedom Mortgage, XXXX, OH have received and posted payments in a timely manner, between the first, but no later than the fifteen of each month. Payment have never been sent after the XXXX of the month. Freedom Mortgage shows that payments are being posted to previous months.Evidence shows that there is and continues to be a miscommunications between systems and yet customer is being assessed late fees and casing credit score to continue to drop. 
After reviewing mortgage contract, there was nothing found authorizing Freedom Mortgage to apply mortgage payments to previous months. I was informed that mortgage payments are made for the billing month. Only distributions found on monthly billing are Interest, Principle and Escrow. These total monthly payment due. 
This variation in posting payments continue to have a negative impact on credit scores, applying for a personal loans and credit worthiness. Freedom Mortgage has failed to provide a detailed explanation on why they continue to report account as past due and continue to post payments to previous months. This is an example of Freedom Mortgage continued unwillingness to cooperate with customer and correct these unwarranted past dues expeditiously thus destroying credit scores and credit worthiness. 
Freedom Mortgage continues to be in violation of FCRA {$620.00} ( c ), refusing to respond to my many disputes or provide me with proof of why account is continuing to be reported as past due and why they continue to post payments to previous months, without notifying customer. Are they permitted to post current payments to previous months. Confirmations, checks and banking statements were sent to dispute Freedom Mortgage reporting account as being past due. FCRA 623 ( b ) ( 2 ) - Disputes stated that companies like Freedom Mortgage don't spend the money to import databases from one system to another, such as late payments, which has resulted in Freedom Mortgage continuing to report negative information on my credit report. This is illegal, but it appears that Freedom Mortgage  continues to defy FCRA articles, resulting in me having to suffer the consequences. Credit report was last updated in XX/XX/XXXX. 
Why is the system allowing Freedom Mortgage to continue this shocking practice, while inflecting pain and suffering on ones financial objectives and credit worthiness.

As a military veteran with over thirty-one years of honorable service, I have never been treated so unfairly. I have purchased four ( 4 ) houses in my life and made payments on time until ( 3 ) of the houses were sold.and I have never had any issues like I am having with Freedom Mortgage. 
I am frustrated and am wanting to resolve expeditiously, for this issue has been on going for over two years. I am ready to sell and move on. I definitely do not want Freedom Mortgages unwillingness to corporate to affect my VA eligibility.

Company response to consumer: Closed with explanation