Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NC)

My mortgage lender sold my mortgage to Freedom Mortgage in XX/XX/XXXX and I have had nothing but problems from this agency every since. But particularly on six ( 6 ) different occasions. I have called them about their company using the wrong bank account to process my payment and I never get consistent information from anyone who answers. When I first called about XX/XX/XXXX ( where they didn't report to the credit bureaus ) and XX/XX/XXXX and XX/XX/XXXX ( where they reported me to the bureaus as late ), the agent told me that she saw where the system made a mistake and that she was trying to correct it. After more than an hour on the phone explaining to a supervisor -- where the mistake was -- the employee came back and told me that there was nothing she could do about it, and i had to deal with it myself because I had called in and spoken with agents -- initially to process the payment -- and it had to be my fault. The following time this happened was in XXXX of XXXX, but if you look at my credit report now it is showing I was late for XX/XX/XXXX instead of XXXX. When I called Freedom Mortgage about this situation they once again ignored me and are yet to fix any of it, on my credit report, and Freedom still has not addressed any of these problems and refuse to remove the wrong bank account information from mortgage account, which continues to lead to these problems. Then on XX/XX/XXXX, Freedom used that same wrong bank account, again and dinged my credit report, again. 

I didn't take a loan out with this nefarious institution, and I feel that customers should have a say in who we are going to be obligated to do business with for 30 years, especially when it is about something as intimate as a mortgage. This company has no understanding about doing business in rural spaces. We don't have reliable internet in our region because we are unserved by providers due to the rural nature and small number of households, yet in still Freedom tries to force people to handle all issues on the internet, pertaining to their mortgages. Freedom will not accept debit cards, and only uses routing and account numbers which increases the likelihood of a mistake, because of the populations of rural spaces and the lack of check usage, bank branches, and education. I did not sign up for this, the original company I had a mortgage with took debit cards and I didn't have to go online for anything and now my credit has taken a significant hit because of these actions of Freedom Mortgage, who have more resources than I do. 

What legal steps can I take. 

I know you all have already won lawsuits against this company for repeat violations, how can I start investigating with other borrowers to see if there are common instances happening to them, with this Freedom Mortgage? 

I know the CFPB doesn't need this article, but this is a large corporation I am up against and Freedom will not listen, and I am getting disparate as they are just ruining my credit. Please provide directions, before my entire life is ruin by me wanting a house and the lender selling that mortgage to Freedom Mortgage. 

https : XXXX https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-repeat-offender-freedom-mortgage-corporation-for-providing-false-information-to-federal-regulators/