Consumer complaint received 2026-06-03 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: PA

Complaint narrative:
Freedom Mortgage Corporation Loss Mitigation Department RE : Request for Review of Mortgage Assistance Program and Prevention of Foreclosure To Whom It May Concern, I am writing to formally request an immediate review of my mortgage account and the decision to remove me from my payment assistance program. I was approved for a mortgage assistance/payment program due to financial hardship resulting from a reduction in income and ongoing health issues involving one of my children. Throughout the duration of the program, I worked diligently to comply with all requirements and successfully made every payment required under the agreement. The only issue occurred with my XXXX payment, which was delayed by one day. Prior to the payment due date, I informed a representative that my payment would be slightly delayed due to the timing of a holiday and payroll processing. Despite my efforts to communicate proactively and despite my history of making all previous program payments, I was advised that the payment could not be accepted. As of today, XX/XX/XXXX, the payment remains only a few days beyond the due date when accounting for the weekend and holiday timing. I find it extremely concerning and unfair that a homeowner who has otherwise complied with every requirement of the program would face the possibility of foreclosure due to what amounts to a minimal delay of only a few days. I also requested to speak with a supervisor regarding this matter but was not given that opportunity. Instead, I was informed that FHA guidelines are strict and that foreclosure may be the next step. Additionally, I am now being charged an amount that is significantly higher than my program payment, creating an even greater financial burden and making it more difficult to resolve the situation. I respectfully request : 1. An immediate review of my account and payment history. 2. Reinstatement of my mortgage assistance/payment program. 3. Acceptance of my XXXX payment and any reasonable arrangements necessary to bring the account current. 4. A temporary hold on any foreclosure proceedings while this matter is under review. 5. A written explanation of why a payment that was only one day late resulted in removal from the program despite my otherwise successful compliance. My goal has always been to keep my home and fulfill my obligations. I have demonstrated good-faith efforts by communicating with your company and making all required payments under the assistance plan. I am asking Freedom Mortgage to work with me toward a reasonable resolution rather than pursuing foreclosure over a minor delay that was communicated in advance. Thank you for your prompt attention to this matter. I look forward to receiving a response and working together to resolve this issue. 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