Consumer complaint received 2016-10-25
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage was transferred to Freedom Mortgage ( FM ) in XXXX 2016. Since that time I have repeatedly tried to have them correctly apply my regular Monthly payments, regular Monthly extra payments on principal only and random additional extra principal only payments. Note ; FM is responsible for auto drafting the Monthly payments from my account. My statements show the auto drafting Monthly. FM has wrongfully not applied payments on the correct days to correct places. I applied for a refinance to get rid of FM. ( I should not have to pay closing cost to get away from this lenders wrong doing. ) I was denied for the first time in my life because FM falsely and wrongfully reported me XXXX and 90 days late on payments. Please see the cut and past of my memo of the phone call to FM XXXX XXXX XXXX. 
XXXX XXXX 2016 Phone Call to FM XXXX XXXX teller # XXXX I requested to speak with a supervisor. XXXX pulled up my account. He ask what the call was about and said the calls are recorded. 
I told him this concerns the wrongful false reports FM made of late payments to the there Credit Bureaus. 
He put me on a 17 min hold while connecting me to the Escalations Department. 
After a 17 min hold, I reached XXXX, teller # XXXX ext XXXX. 
I explained FM wrongfully reported false late payments to the credit bureaus. FM auto drafts payments and this information sent to the credit bureaus is false. Payments can not be late since FM is responsible for auto drafting the payments. 
I told FM, I was denied a refi loan because of FMs false wrongful reports to the credit bureaus. A second denial is pending from the XXXX XXXX XXXX XXXX as well. 
" XXXX said, looking into my account, I was not late on any house payments. '' I read the denial email to him from XXXX stating, " Your loan is ineligible due to a 60 day late payment and a 90 day late payment reported on your credit report by Freedom Mortgage within the last 12 months. '' My XXXX was XXXX and now plummeted to XXXX, a serious matter. I have never been denied any credit until now. 
I ask FM to do an immediate bullseye correction today and immediately correct the false wrongful reports. I reminded him FM is responsible for auto drafting the house payments XXXX the first of each Month. And FM auto drafts an additional {$100.00} the first of each Month for the principal only. 
XXXX said he could get it corrected Monday. He said he will send it to Correspondence and Research and rush the response for a 48 hour 2 day turn around. 
I said this needs immediate attention, XXXX denial has already occurred and another application to the XXXX XXXX XXXX XXXX will also occur if not corrected stat. 
I ask how was it that FM reported this false wrongful info to the credit bureaus, if as you just stated, I am not late? XXXX said my account does not show a XXXX or 90 day late report. XXXX said this requires research to find the answers. He said I would be emailed a response by Tues XXXX. Also I would receive a hard copy in the mail. XXXX said he would monitor the account to make sure it is being worked on. 
I requested a copy of the corrections be sent to me in email I gave him my phone numbers for verification and a call back. 
Freedom Mortgage has refused to properly apply my payments. FM has reported me XXXX and 90 days late to the credit bureaus ruining my XXXX XXXX. I am convinced FM will start proceeding for forclosure on my home.

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