What is the most common complaint against Freedom Mortgage Company?

The most common issue consumers report about Freedom Mortgage Company is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 130 complaints filed with the CFPB.

Are complaints against Freedom Mortgage Company increasing or decreasing?

Complaints against Freedom Mortgage Company have been stable. The company received 35 complaints in the last 12 months.

What is Freedom Mortgage Company's reputation grade?

Freedom Mortgage Company has a reputation grade of B (score: 62.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Freedom Mortgage Company respond to consumer complaints?

Freedom Mortgage Company has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Freedom Mortgage Company operate?

Freedom Mortgage Company has received CFPB complaints from consumers in 31 states, with the most complaints from Texas (23 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Freedom Mortgage Company - Debt Collector Complaint Profile

CFPB complaint profile across 31 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

40
Took or threatened to take negative or legal action

33
Written notification about debt

23
False statements or representation

18
Communication tactics

10
Cont'd attempts collect debt not owed

3

Data updated September 2026

CFPB complaint disposition

CCDB record freedom-mortgage-company Freedom Mortgage Company

Grade B · 130 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #715 · compose #2094

VOL 130
GRADE B
12MO 35
STATES 31
TIMELY 99%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #715
COMPOSE #2,094

Volume peers

Nearest volume peer: Financial Accounts Service Team Inc. (130 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Freedom Mortgage Company's 130 CFPB complaints sit next to Financial Accounts Service Team Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Freedom Mortgage Company (17.7%)

Volume rank #715 and composite rank #2,094 diverge by 1,379 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 17.7%; Mid-band (15–30%) · 31 states with ≥1 filing
Seasonal peak: 2021-12 9.5%; 8–15% band · 4 filings
Divergent corpus ranks: #715 volume; #2,094 composite; Cleanest-composite ladder is 1,379 places worse than volume

How does Freedom Mortgage Company compare to its peers?

How does Freedom Mortgage Company compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Freedom Mortgage Compa… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

41%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-06 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	40
Took or threatened to take negative or legal action	33
Written notification about debt	23
False statements or representation	18
Communication tactics	10
Cont'd attempts collect debt not owed	3
Disclosure verification of debt	2
Threatened to contact someone or share information improperly	1

Where do complaints against Freedom Mortgage Company come from?

Freedom Mortgage Company's own per-state count, not a national baseline.

Texas

23
California

17
Florida

16
Georgia

11
Maryland

10
Colorado

7
New York

5
Arizona

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Freedom Mortgage Company: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 130.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.17355371900827%.

4 peers

Know your rights before responding to Freedom Mortgage Company: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.