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

CFPB complaint data Grade C 130 complaints

Freedom Mortgage Company - Debt Collector Complaint Profile

CFPB complaint profile across 31 states, reputation grade C.

Complaints by issue type

What consumers report about Freedom Mortgage Company

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 65.1/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Freedom Mortgage Company ranks ahead of 59% of the 5,283 collectors PlainCollector grades - 41% keep a cleaner CFPB record, on 130 all-time complaints and a 99% timely-response rate.

59th pct
reputation rank of 5,283 graded collectors
130
CFPB complaints, all-time
99%
answered inside the CFPB window
35
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Freedom Mortgage Company?

Freedom Mortgage Company has accumulated 130 total CFPB complaints across 31 states, with 35 filed in the most recent 12 months against 95 historical complaints before that window. The trailing-12-month volume represents 26.9% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 99% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 31 states, led by Texas with 23 and California with 17. Normalized against the full CFPB collector database, the reputation score of 65.1/100 places Freedom Mortgage Company in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

130

mid-volume (CCDB)

Last 12 months

35

26.9% of all-time complaints

Stable →

States active

31

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

65.1/100 composite

How does Freedom Mortgage Company's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

65 59th percentile higher than 59% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Freedom Mortgage Company versus the debt-collection vertical average.

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 55.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Freedom Mortgage Company compare to its peers?

How does Freedom Mortgage Company compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Freedom Mortgage Compa… National average
Complaints (last 12 mo)lower is better
35
36
268
Timely-response ratehigher is better
99%
41%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-06 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Freedom Mortgage Company

Across 31 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Freedom Mortgage Company contacts you

A grade of C signals how Freedom Mortgage Company's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Freedom Mortgage Company and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Freedom Mortgage Company ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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 C (score: 65.1/100), 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).

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

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.