Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
Attached below is correspondence between myself and Freedom Mortgage. 


On XX/XX/year> a check was mailed out for the sum of {$130000.00}. As of today, XX/XX/year>, I have a 30 days late mark on my credit. Which, Ill have you know, has very negatively impacted my credit score. 



With that being said, I called customer service today, XX/XX/year>, at XXXXXXXX XXXX I was informed that my payoff quote was valid until XX/XX/year>. But, the payoff we sent was {$370.00} short. Which, quite frankly, is not on me. I was also informed that the remaining balance would come out of my escrow balance. We submitted for the total of my payoff. The check was written for the amount we were told. Its very wild to me that its being insinuated that we were about to guess the amount of my payoff and be within {$400.00}. 



Personally speaking here, there should have been a phone call made to me, or at least my closing attorney, that the check amount was wrong. This could have been resolved very easily before now. But, here we are. Im not sure how I can be reported to the credit bureau for being 30 days late when the overall balance on the account is way less than an actual payment would be. If its not the full amount of the entire monthly payment, how is it 30 days late on a payment. 



Furthermore, I will not accept for the {$370.00} to be extracted from my escrow account to fulfill the mistake of someone within freedom mortgage. I completely understand that mistakes do take place. And, I will not hold a mistake against someone. However, it will not be left up to me to fix it at my cost. I want my credit fixed and I want the full amount of my escrow account. Again, we didnt make a number up to write on a check. We went off of what was sent to us after requesting a payoff amount. 



If you do the math, the quote was good until XXXX XXXX. The interest per diem was {$23.00}. The payoff was received XX/XX/year>. Therefore, I should not be charged interest per diem after XX/XX/year>. The difference in the amount we wrote the check for ( {$130000.00} ) and what you are saying was owed ( {$130000.00} ) is {$370.00}. The difference in XX/XX/XXXX ( my rescission date ) and XX/XX/XXXX is 16 days. 16 days multiplied by {$23.00} is {$370.00}. 



I do not owe any more money to freedom mortgage. If this is not rectified within 48 hours of this email being sent, I will be filing a grievance with both CFPB and FTC. I see where this could have been an honest mistake. But, I will not be charged for someones mess up. I want this off of my credit immediately. This has absolutely tanked my credit and Im not responsible for this. I dont see how the trigger can be pulled on marking me late ( for a partial payment thats not even owed ) but when I call to see what the issue is, Im told its not big deal we can just take it out of the escrow amount thats owed. XXXX measures were made by incompetency, and it will not be left up to me to pay the price. ( This is the end of correspondence. ) On XX/XX/year> I received a phone call from Freedom Mortgage stating they would be back in touch with me in week. Yet, I have not heard back from them. I would like to take action at this time.

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