Consumer complaint received 2026-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage Attn : Request for Information / Customer Research Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Information Under RESPA and Regulation X ( 12 C.F.R. 1024.36 ), Request for Debt Validation, Itemized Accounting, and Documentation of Authority to Enforce Loan Number : Property Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing regarding the above-referenced mortgage loan, which I understand is currently serviced by your company following the transfer or sale of the loan. This correspondence constitutes a formal Request for Information ( RFI ) pursuant to the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X, 12 C.F.R. 1024.36, and is also a request for validation of the alleged debt to the extent applicable under 15 U.S.C. 1692g, together with a request for records concerning the negotiable instrument and secured obligation. I respectfully request that you provide the following information and documentation : 1. The name, address, and contact information of the current owner, investor, holder, beneficiary, or trustee of the mortgage loan. 2. Documentation establishing your authority to service, collect, administer, or enforce this loan on behalf of the owner or holder, on or before XX/XX/year>. 3. A copy of the original promissory note, including all endorsements, allonges, riders, modifications, and any documents reflecting transfers or negotiation of the note, to the extent such records are in your possession or control. 4. Copies of all recorded assignments of the mortgage or deed of trust, substitutions of trustee ( if applicable ), and any other documents evidencing the chain of title of the security instrument. 5. A complete life-of-loan payment history showing : * Every payment received ; * The date received ; * The amount received ; * How each payment was applied ; * Principal reductions; * Interest charged; * Escrow activity ; * Fees and costs assessed ; and * Any suspense account activity. 6. A complete itemized accounting of the amount currently claimed to be due, identifying : * Original principal balance; * Current unpaid principal balance; * Accrued interest; * Escrow balance ; * Late fees; * Property inspection fees; * Corporate advances; * Attorneys fees; * Foreclosure-related charges, if any ; and * Any other fees, costs, or charges included in the balance. 7. The date the servicing rights were transferred to your company and the effective date of the transfer. 8. The name and address of every servicer that has serviced this loan since origination and the dates during which each servicer serviced the loan. 9. Copies of any notices required by law concerning the transfer of ownership or servicing of the mortgage loan. 10. A statement identifying whether the original promissory note is currently maintained in paper or electronic form and, to the extent known, the entity in possession of the original note. To the extent applicable, this request is made under 15 U.S.C. 1692g for validation of the alleged debt. In addition, I request information concerning the instrument and secured obligation with reference to UCC 3-501 and 9-210, recognizing that these provisions govern specific rights and obligations under applicable state law. This correspondence shall not be construed as : * an acknowledgment of liability ; * an admission that the amount claimed is accurate; * a promise to pay ; * a waiver of any legal or equitable rights, defenses, claims, or remedies available under federal or state law. If any requested records are unavailable, please identify each unavailable record and explain why it can not be produced. If another entity maintains the requested information, please identify that entity and provide its contact information to the extent known. Please provide your written response and all requested documentation within the time required by applicable law for requests made pursuant to 12 C.F.R. 1024.36. Thank you for your prompt attention to this matter. Respectfully, 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