Consumer complaint received 2026-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My FHA mortgage ( originally with XXXX XXXX, opened XX/XX/XXXX ) was transferred to Freedom Mortgage Corporation effective XX/XX/XXXX. Shortly after the transfer, I fell behind and applied for loss mitigation assistance. Freedom Mortgage rejected my first application as incomplete on XX/XX/XXXX ( missing pay stubs ), then accepted a renewed application as facially complete on XX/XX/XXXX, and approved me for an Informal Forbearance ( suspended payments ) for XXXX XXXX. On or about XX/XX/XXXX, Freedom Mortgage sent me two letters dated the same day that directly contradict each other. One letter states that my loss mitigation application was facially complete and under active review, with foreclosure-referral protections in effect under 12 C.F.R. 1024.41. The other letter, also dated XX/XX/XXXX, states that my loan was no longer active in loss mitigation because forbearance ended. Both can not be true. I never received a clear, consistent explanation of my actual status on that date. On XX/XX/XXXX, I received yet another notice declaring my application incomplete for a third reason I had not been told about before recorded HOA lien releases from XXXX after earlier being told the only missing item was pay stubs. This pattern of shifting, serially-disclosed document demands prevented me from ever curing a complete application in one attempt. Separately, Freedom Mortgage 's own XX/XX/XXXX decision letter states I was denied a Formal Forbearance because I indicated you can not afford a repayment plan. This is not accurate and does not reflect anything I said or was asked. I do not have written correspondence from Freedom Mortgage after XX/XX/XXXX. However, all three of my credit reports show continued derogatory reporting that is inconsistent with each other : XXXX shows 150- and 180-day delinquency codes ; XXXX shows a Pays As Agreed status alongside XXXX codes and a Foreclosure Process Started narrative code for approximately XXXX through XX/XX/XXXX ; and XXXX shows a top-line Current Account status alongside a 24-month payment history rated XXXX ( XXXX or more days past due ) for nearly every month from XX/XX/XXXX through XX/XX/XXXX. TransUnion 's own supplemental public-records data separately indicates Foreclosure : No for this property, which I am asking Freedom Mortgage to reconcile with the foreclosure-process code Equifax is showing. I was not enrolled in a loss mitigation program until XX/XX/XXXX. I am concerned that Freedom Mortgage referred my loan to foreclosure, or took other collection/legal action, while a complete loss mitigation application was pending review or appeal, which would violate the dual-tracking prohibition in 12 C.F.R. 1024.41 ( f ) - ( g ). I have sent Freedom Mortgage a direct Notice of Error and Qualified Written Request under 12 C.F.R. 1024.35 and 12 U.S.C. 2605 ( e ) and have not yet received a substantive response.

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