Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Ohio

Freedom Mortgage became the servicer for my home loan on - -. I made the - payment to my old servicer, -. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my - payment to Freedom. They claimed the - payment was not enough, so they applied no funds to the loan. They obtained the payment made to -. They now had - payments, which they calculated to cover -, because they miscalculated my mortgage. This meant I had - payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in - and -. I called again in -. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in - and -. My credit has dropped as a result from over - to the high -. I called again in -. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.