Total CFPB complaints
121
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 121 complaints
Freedom Mortgage Company — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Freedom Mortgage Company
- Attempts to collect debt not owed
Attempts to collect debt not owed
33 complaints
- Written notification about debt
Written notification about debt
23 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
23 complaints
- False statements or representation
False statements or representation
14 complaints
- Communication tactics 10
Communication tactics
10 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
C
Grade C · 65.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Freedom Mortgage Company?
Freedom Mortgage Company has accumulated 121 total CFPB complaints across 30 states, with 29 filed in the most recent 12 months against 92 historical complaints before that window. The trailing-12-month volume represents 24.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 30 states, led by Texas with 21 and Florida with 18, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.1/100 places Freedom Mortgage Company in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
29
24.0% of total history
Rising ↑
States active
30
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
65.1/100 composite
Response-quality profile
How Freedom Mortgage Company performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Freedom Mortgage Company compare to its peers?
Freedom Mortgage Compa… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-06 2026-02
Top Consumer Issues
Written notification about debt23 (%)
Attempts to collect debt not owed33 (%)
Took or threatened to take negative or legal action23 (%)
False statements or representation14 (%)
Communication tactics10 (%)
Cont'd attempts collect debt not owed3 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 20 |
| Attempts to collect debt not owed | Debt is not yours | 17 |
| Attempts to collect debt not owed | Debt was paid | 16 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 15 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 8 |
| Communication tactics | Frequent or repeated calls | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against Freedom Mortgage Company come from?
The states where consumers have filed the most CFPB complaints against Freedom Mortgage Company. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Freedom Mortgage Company
Across 30 states with at least one filing
- Texas
Texas
21 complaints
- Florida
Florida
18 complaints
- California
California
17 complaints
- Georgia
Georgia
10 complaints
- Maryland 8
Maryland
8 complaints
- Colorado 7
Colorado
7 complaints
- New York 5
New York
5 complaints
- Michigan 3
Michigan
3 complaints
Frequently Asked Questions
What is the most common complaint against Freedom Mortgage Company? ▼
The most common issue consumers report about Freedom Mortgage Company is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 121 complaints filed with the CFPB.
Are complaints against Freedom Mortgage Company increasing or decreasing? ▼
Complaints against Freedom Mortgage Company are rising. The company received 29 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Freedom Mortgage Company's reputation grade? ▼
Freedom Mortgage Company has a reputation grade of C (score: 65.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 30 states, with the most complaints from Texas (21 complaints).
What can I do if Freedom Mortgage Company is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Freedom Mortgage Company violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |