Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Hello, Im a XXXX XXXX XXXX married man. I have never missed a payment on any of my credit nor mortgage nor student loan accounts my entire line ( 13 years of all payments on time ). 

I had just bought my first small home and remodeled it with my wife. The whole family helped and it took a year of hard work and hard earned money to get it the way we always dreamed of small but cozy with a family feel.

Then, right when we finished the remodel, two nationally declared hurricanes hit our home back to back and destroyed the entire home inside 2 feet of black and salty water came in even though we had sandbags and flooded the whole house and destroyed everything. We had to jump out of the house and swim to safety half a mile away where the fire department and ambulances were waiting for people.

I called freedom mortgage for help. They told me they would let me postpone my payments until XX/XX/XXXX and that wed apply for a program to move the payments to the back of the loan. I called them at least six times every single person told me I didnt have to make a payment at this time because I was on their disaster plan and that theyd applied to underwriting to have my loan balance put to the back of the loan.

I kept calling and asking if there is anything I had to do. They took the same information about it my income and everything multiple times and then kept saying they had to do it again. Finally, I got an alert that they reported 3 months of past due mortgage to the credit reporting agencies! That is scandalous! All they had to do was call me and tell me that I need to make a payment or anything. They never even called. And every time I called it is still in some process of underwriting. They wont give me a simple answer of when my next payment is due and they cheated me by going after a disaster victims credit for no reason when I was in contact with them the entire time and they promised me I was on a disaster payment postponement. I am so hurt by freedom mortgage. They XXXX  me in the heart with this going after the most important thing I have my credit for no reason especially after telling me on six different occasions that no payment was due and especially since I was on their hurricane postponement plan and my entire home was destroyed by a national disaster. This is so horrible and evil. How could they do this to my wife and me? This isnt Freedom, this is destroying someones entire life by reporting to the whole world that I dont pay my mortgage even though it wasnt supposed to be reported! 

If they do not resolve this I am posting this to the XXXX  to help and warn others so that they dont get their lives destroyed by freedom mortgage and Im also going to small claims court for the maximum amount of compensation because destroying my credit and not letting me refinance nor buy a car nor anything will cost me tens of thousands of dollars and incredible suffering. Theyre punishing the person who is talking and working with them and never missed a payment in his entire life! Scandal

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