Consumer complaint received 2022-01-26
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX while I was on maternity leave, I experienced a 30 day late with Freedom Mortgage that was reported to the credit bureaus. During this time I was not being paid my XXXX benefits timely. Once the issue was resolved, XXXX paid me 9 weeks of missed XXXX XXXX payments ( {$970.00} each ) on XX/XX/XXXX which I then paid my XXXX and XXXX mortgage payments with to become current and up to date. 

XX/XX/XXXX - paid 9 weeks of missed payments ( {$970.00} each ) XX/XX/XXXX - transferred {$4300.00} into bank account that pays my mortgage XX/XX/XXXX - paid {$5200.00} to Freedom mortgage to become current VA preapproval for new mortgage was approved on XX/XX/XXXX, once we went to get the actual approval to move forward with purchase ( mid XXXX ) it was denied due to two 30 day lates within one year. I wrote Freedom mortgage the following goodwill adjustment letter on XX/XX/XXXX requesting the 30 day late be removed from XX/XX/XXXX. We are closing on the sale of our house XX/XX/XXXX and were hoping to be closing on the purchase of our new house on or shortly after that date but this is holding up the process. I appreciate anything you can do to help. Please let me know if there is any other information you need from me to have this issue resolved as soon as possible. 

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Freedom Mortgage and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. 

My account with Freedom Mortgage began on XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Freedom Mortgage. I have also been a customer in good standing, paying my account in a timely manner. 

However, in XXXX of XXXX while I was on XXXX XXXX from XXXX XXXX, I experienced a 30 day late charge that was reported to the credit bureaus. During this time I was not being paid my XXXX benefits timely. Once the issue was resolved with XXXX Claims, they paid me 9 weeks of missed XXXX XXXX payments ( {$970.00} each ) on XX/XX/XXXX which I then paid my XXXX and XXXX mortgage payments with to become current and up to date. 

I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following that personal issue, Im working hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort. 
Im asking that Freedom Mortgage give me a second chance at a fully positive credit history with your organization by removing the late payment mark from my credit report with all three credit bureaus from XXXX of XXXX. Please let me know if there is anything else I can provide to support you as you consider my request. 

Thank you for taking the time to consider this request.

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