Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account California

Soon after the purchase of our home, - - sold our loan to Freedom Mortgage. We did not have an escrow account. Prior to the change over - mistakenly created an escrow account and paid $950.00, which was corrected and credited back. However, when the loan account was transferred to Freedom this documentation was not with the file and they received an account with an escrow shortage of $950.00. Which they tried to collect from us. We informed them there was no escrow account and never was. We had - on a - way call with Freedom and - stating that this was the case and that everything was current that - never sent any bill. - submitted the documentation for this to Freedom directly to - - ( this freedom agent asked for it to be directly sent to her ) on which we were cc 'd on the email. Freedom continued to deny receiving the document which we were fully able to view, open, save and see from the email. We again submitted this directly to now - ( - - ext - ) as well as Freedom 's customer care multiple times, with no response. We did


alter or correct the account or close the escrow account even with this documentation. They then put a hold on our last months payment, the funds have been taken from my bank account fro the scheduled payment but not applied to our loan. They are imposing late fees and have also filed to make our account delinquent with 30 day late payment. All the while we are fully paid and submitted on time properly. The funds have been taken from my - - account for the mortgage payment on time but payment has been not applied to the loan. We are in the process of trying to buy a larger home for our growing family but can not with a 30 day late report on credit file now. This process has been infuriating and completely the fault of the mortgage companies and nothing whatsoever to do with anything that I have done. This has been going on for months with hundreds of hours on the phone to Freedom and -. Freedom has gave us the run around, lied to us, and provided no assistance. We also reached out to - to have them set up an appointment to talk to Freedom as well. Our new broker suggested we contact BCFP and that this is exactly what you guys are here for.