Consumer complaint received 2021-10-13
Company: Freedom Mortgage Company
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom it May Concern, This will be my fifth attempt to have this account reported correctly on my credit from Freedom Mortgage. If XXXX and Freedom Mortgage can not get it right this time I will be forced to take legal action and go to the media against Freedom Mortgage and XXXX for not keep creditors accountable. Her is a factual summary of my complaint against Freedom Mortgage inaccurately reporting on my credit : XX/XX/XXXX, XXXX XXXX called XXXX about the issue with mortgage due to him reviewing his credit report and seeing the mortgage was 60 days behind. XXXX XXXX never received any letter or phone calls from Freedom Mortgage and was only made aware of the issue through his credit report. XXXX explained what happened with Freedom Mortgage and asked him to help short out the issue. 

On XX/XX/XXXX XXXX spoke with XXXX # XXXX from freedom mortgage to figure out what need to be done to catch up and requested a forbearance to make sure the house did not go into foreclosure. XXXX submitted the request forbearance and explained the house was behind on escrow by {$7800.00} and behind on the mortgage {$5600.00}. XXXX told XXXX XXXX would have the money from her tax return and would catch up as soon as XXXX bank released the money. XXXX also requested XXXX to uncompounded the taxes due to an issue with the solar company attaching additional tax to the escrow making the mortgage payment fall behind and escrow shortage. 

On XX/XX/XXXX, XXXX called to check the status of the forbearance and tax situation. He spoke with XXXX # XXXX who explain there was no update on the status of the forbearance request. 

On XX/XX/XXXX, XXXX called again to check on the status and spoke to XXXX # XXXX who stated he did not have an update on the request and to call back in 48 hours. 

On XXXX XXXX XXXX called and spoke with XXXX # XXXX who explained that a request was never submitted. She took the financials and apologized for the oversight of the company and told me XXXX the request for forbearance would be completed by XX/XX/XXXX. XXXX stated to not worry about the house going into foreclosure. 

On XX/XX/XXXX, XXXX spoke with XXXX # XXXX who stated the forbearance was still being proceed and we should hear something soon. 

On XX/XX/XXXX XXXX called because he noticed a foreclosure flag on the account despite being told by freedom mortgage this would not happen. XXXX did a conference call with XXXX and spoke with XXXX # XXXX from freedom mortgage to figure out what happen. XXXX had the money to catch up from her taxes but XXXX was rude and non-sympathetic to what was happening. She continued to explain they would not accept our money because the house is in foreclosure. XXXX was able to get XXXX to calm down and XXXX requested XXXX to speak with a manager. XXXX told XXXX and XXXX there was no manager available but would have a manager call us back as soon as they are available. XXXX also explained the loss mitigation process to XXXX and XXXX. 

On XX/XX/XXXX, XXXX was called by a Freedom Mortgage manager XXXX # XXXX who was apologetic for the mistake the company made with flagging the mortgage with foreclosure flag. XXXX told XXXX would contact the forbearance office to let them know we have the money to catch up and want to pay the balance if they remove the flag on their mortgage account. 

On XX/XX/XXXX, XXXX spoke with Manager XXXX # XXXX who informed him that the forbearance was approved stopping the foreclosure process for 3 months. She also explained the mitigation process further and told us to that she would email and mail the documents. 

On XX/XX/XXXX called to check on status of loss mitigation due to no response from Freedom mortgage and was on hold for 57 minutes until the company line hung up on me. 

On XX/XX/XXXX, called to check on status of loss mitigation due to no response from Freedom mortgage and was on hold for 79 minutes until the company line hung up on me. 

On XX/XX/XXXX, spoke with freedom mortgage agent XXXX # XXXX to ask the status of the loss mitigation and she explained that the loss mitigation process is still pending approval and could not provide any further information. 

On XX/XX/XXXX Hired Lawyer and Real Estate Agent to list house due to lack of transparency and answers from freedom mortgage regarding the loss mitigation process. 

*House Closed Escrow on XX/XX/XXXX and never went into foreclosure status. 

XXXX XXXX, XXXX Filed Report against company for unethical behavior and false credit reporting with XXXX  reference complaint # XXXX. 

XXXX XXXX, XXXX Filed Report against Freedom Mortgage with CFPB XXXX XXXX : Response from Freedom Mortgage not addressing or fixing any inaccuracies on my credit report. 

* XX/XX/XXXX : New Claim against Freedom Mortgage for showing balance on account a year latter despite being paid off and still not reflecting the corrected payment history. 

XXXX XXXX, XXXX : Received letter from XXXX showing only the balance being removed but adding Foreclosure Proceeding Flag on my credit after the house was sold. What is this! How can this even happen. 

I HAVE ATTACHED ALL FACTUAL SUPPORTING DOCUMENTATION.

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