Freedom Mortgage

I was attacked & beat 20-25 mins.ŵ/R knee only. More than 50X's about my head.

Broke chest plate < shattered ribs. In JULY I changed banks.i get mail I'm 2 mths behind.I instantly called &paid & explained my sit.2 mths later again. They said I've nevèr been later nor anything.this time shè walked me through ensure I am set &:said she would ensure I'm not going to have on my CS.Ivè never received letter,email nor call either time. I've spoke w/supervisor and they are refusing to take off CS.They claim it's only fixed if they are wrong.

I NEVER ŴAS NOTIFIED 2MNTHS LATER. CANT HAVE A WORSE HIT ON Çẞ.ANYONÈ KNOW IF THERES ĤELP?IT'S CLEARLY OBVIOUS I'M VERY UPSET W/THINKING IT'S FIXED 1ST TIME.110 HIT CS.

I don't need this as another issue cause my brain trauma. Panic attack ǰùst living it again.

June 10th my house was hit by a tornado, luckily everyone was OK. It could have been worse.

My mother was also hospitalized around the same time, requiring a 4 hr round trip drive to visit her. I called Freedom looking to have my payments deferred for 3 MOS. While we waited for insurance to reimburse us for out of pocket expenses. I spoke to a nice lady who said" absolutely !

Not a problem , sorry to hear about your situation" Just send us 2 MOS bank statements, and the last 2 pay stubs and fill out this paper (1 piece of paper emailed to me by her) and email it to this address.. I was not behind at all at this moment. After 2 days of trying to email documents only to get a reply email from Microsoft stating that the email was undeliverable 24 hrs. .

I then tried to fax it to the fax number listed on the website. Again 2 days.. The fax was never answered. I was finally able to upload the documents on their website by sending them to a different department other than the hardship area.

After 3 days I reached out to see if they have received my documentation, I tried using the website by was always redirected when I tried to reach the Hardship department with a " sorry we are unable to complete your request. Please try again". When I finally talked to a real person, I was told I was missing documentation. How could that be, I sent exactly what your representative told me to send.

Well you need to fill out this packet.

Filled out the packet, uploaded it, fax and email still not working. I called back the next day asking if they received my documentation, was told no, give it a day or 2. Called in 2 days.. Yes they had it, "but you did not include the W2, we need a W2".

That was not on the list of documents that your instructions said to include. This went back and forth . Meanwhile, I was getting letters from them talking foreclosure. When I asked about this I was told no don't worry about it.

I said should I be making payments," no, nothing will happen unless we don't hear from you for 4 months" I asked, do you not talk to each other.. Do they not know that I am trying to go through this process? Oh yes, but some things just take time to resolve. This went on for 3 more months, each time wanting something else.

If they didn't need a new document, the documents they had were expired, and I had to start all over, 7 different times I had to give them new or additional documentation and I filled out the packet 2 times. . I had an agent who was "sympathetic" to my situation who would call once a week and say, well this is what is happening, this is what they need, just send it so we can move forward. Here we are 100 days later, my mother has since passed, and I finally yesterday received notice from them that my "loan assistance application" has been approved.

Now for some reason I don't qualify for hardship or disaster assistance.

Guess a tornado doesn't count as a disaster. So nothing except those 3 payments it seems they offer to everyone else.

I was contacted by Freedom Mortgage, letting me know I was eligible for a modification to lower my rate on my mortgage. I went through the process and was told I did not have to make the next two payments as they modified my loan.

Two days before I was to sign the modification, I was told that I did not qualify because I had a poor payment history due to missing the last two payments. Now they say I am delinquent on my mortgage and have reported this to the credit bureaus as being delinquent with a poor payment history.

Absolutely horrible way of doing business, and now I have ruined my credit. Once I fix my credit, I will be looking to refinance elsewhere.

Freedom Mortgage is terrible! I only chose them because my mortgage was being transferred to me.

I understand that process can take about six months. But once the mortgage was fully transferred to me, I received nothing but nonstop misinformation, which was incredibly frustrating. They would send me various forms that I need, but I can't access them because my account wasn't set up due to the transfer. Even when I try to receive information by phone, I never once got the text.

Along with this, they need better-trained customer service as well; the staff all provide different information which doesn't help me as a homeowner.

If I ever decide to purchase another home, I will certainly avoid Freedom Mortgage and recommend that others do the same if they ask for my advice. They've made my first-time homeowner's experience terrible!