Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Pennsylvania

Our home was purchased in -/-/-. It is a New construction home purchased from -, - was our original Mortgage Lender. We put down More than 20 % on a Conventional 30 year loan. We waived Escrow for our Property Taxes, but Escrowed our Homeowners insurance. The loan was sold to - before the first payment was due. - only had our loan until -/-/-, and it was sold to Freedom Mortgage. Our first payment to Freedom Mortgage was made -/-/-. We Paid every month on time, and also paid - Extra mortgage Payments over the last 2 Years. Our property Taxes were all paid including the Interm Tax for new Build, ON TIME IN FULL. In -/-/- we received a letter from Freedom Mortgage that our Escrow account was Short and that they have paid our County/Local Tax in -/-/- ( I paid them in -/-/- ) and that they paid our School tax in -/-/- ( and they werent due until -/-/- which is when we pay in -/-/- ). They were increasing our payment from - to - to make up for these shortages. I Immediately called the Local Tax Collector to confirm


amount of $3200.00 in -/-/-. I then called Freedom Mortgage, they advised me to send payment to them for the School tax reimbursement Which I did on -/-/-. Which still resolved nothing, since that time they have been allocating our payments incorrectly. We continued to pay our NORMAL monthly payment of - as they had NO basis to force escrow. our taxes were paid on time, in full ... .and we are at a 65 % LTV . They are now claiming we did not make payment for the month of -/-/- which I sent bank statements showing we did, and they were placing our funds in Un-allocated funds, which has messed up our Amortization and possibly our Credit Score. I have spent countless hours on the phone w/ Freedom Mortgage Customer Care and they are less than helpful. Freedom has admitted they were wrong about the taxes, Has adjusted our Monthly payment back to - but Funds are still not correct from -/-/-.