Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage Corporation Attn : Customer Service/ Qualified Written Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX Subject : Qualified Written Request / Notice of Error Under RESPA Regarding Escrow and Insurance Payments To Whom It May Concern, This letter serves as a Qualified Written Request ( QWR ) and Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ) regarding the servicing of my mortgage loan and escrow account. I am disputing Freedom Mortgages handling of escrow funds and insurance payments related to my property located at XXXX XXXX XXXX, XXXX, California. Freedom Mortgage paid escrow funds toward a XXXX insurance policy associated with my ex-wife, XXXX XXXX, rather than properly handling the insurance tied to my mortgage obligations. XXXX issued a cancellation notice dated XX/XX/XXXX, advising Freedom Mortgage that the policy would be cancelled effective XX/XX/XXXX. Despite this cancellation notice, Freedom Mortgage records later show that a payment of {$1900.00} was issued to XXXX on or about XX/XX/XXXX, and allegedly cleared on XX/XX/XXXX. Freedom Mortgage subsequently completed an escrow analysis dated XX/XX/XXXX, claiming that my escrow account had a shortage of {$4500.00} and increasing my monthly mortgage payment from {$2200.00} to {$2600.00} effective XX/XX/XXXX. The escrow history reflects multiple insurance-related disbursements and a substantially negative escrow balance after these transactions. The primary issue is that Freedom Mortgage used escrow funds to pay a policy associated with my ex-wife and has refused to attempt recovery of those funds from XXXX, stating that the matter is my issue. I dispute these charges and believe Freedom Mortgage failed to : Properly administer the escrow account Properly verify insurance coverage tied to the mortgage loan Correct servicing errors after receiving notice of cancellation Mitigate damages after the improper disbursement occurred As a result, I have suffered financial harm, including : An escrow shortage assessment of {$4500.00} A monthly payment increase of approximately {$460.00} Ongoing financial stress and uncertainty regarding insurance coverage I am requesting the following : A complete escrow audit and payment history Documentation supporting all insurance disbursements made from escrow Documentation showing why escrow funds were paid toward a policy not properly tied to my mortgage obligations Copies of all communications between Freedom Mortgage and XXXX regarding this matter Copies of any force-placed insurance notices or policies Immediate correction of any improper escrow charges or shortages Reimbursement or recovery of improperly disbursed escrow funds Written explanation of all servicing actions taken regarding this insurance issue Please note that under RESPA, mortgage servicers are generally required to acknowledge receipt of a Qualified Written Request within 5 business days and respond within 30 business days. ( ) Supporting documents include : XXXX cancellation notice dated XX/XX/XXXX Freedom Mortgage escrow analysis dated XX/XX/XXXX Proof of Freedom Mortgage payment to XXXX in the amount of {$1900.00} Sincerely, XXXX XXXX

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