Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Freedom Mortgage regarding their repeated failure to provide reasonable and sustainable loss mitigation options over the past three years, despite my ongoing efforts to avoid default and remain current on my mortgage. For the past three years, I have consistently contacted Freedom Mortgage requesting assistance in lowering my monthly mortgage payment to an affordable amount. At no point was I offered a meaningful option to reduce my monthly payment. Instead, I was repeatedly placed into partial payment arrangements, which only increased my delinquency status, added to my overall debt, and negatively impacted my ability to refinance my home. Additionally, I was offered trial payment plans on two separate occasions that required me to make three consecutive payments at a higher monthly amount than my original mortgage payment. In order to meet these requirements, I was forced to borrow money, which placed me further into financial hardship and debt. Despite my efforts, these arrangements were not sustainable and did not resolve my situation. At the time, I was also dealing with an active wage garnishment that significantly reduced my income. Due to the compounded financial strain and lack of reasonable assistance from Freedom Mortgage, I was ultimately forced to file for XXXX XXXX XXXX as my only viable option to protect my home. Now that I have completed my bankruptcy, I have again reached out to Freedom Mortgage requesting a reduced and affordable monthly mortgage payment. Instead of working with me, they have once again offered a trial payment plan requiring three consecutive payments of {$2400.00}, which exceeds my current mortgage payment and is not financially feasible. I formally appealed this decision and submitted a request for a reduced monthly payment on XX/XX/XXXX. As of today, I have not received any response, communication, or resolution from Freedom Mortgage regarding my request. Freedom Mortgages pattern of offering unaffordable trial plans instead of sustainable modifications, along with their failure to properly evaluate my financial situation, has caused significant financial harm. Their actions have directly contributed to increased debt, limited refinancing opportunities, and ultimately forced me into bankruptcy. I am requesting that Freedom Mortgage : 1. Conduct a thorough and fair review of my financial situation, 2. Provide a reasonable and sustainable loan modification with a reduced monthly payment, and current interest rate of XXXX. 3. Cease offering unaffordable trial payment plans that do not reflect my financial capacity, 4. Provide a timely response to my XX/XX/XXXX appeal. I appreciate your attention to this matter and request assistance in ensuring that Freedom Mortgage complies with fair lending and loss mitigation practices. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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