Freedom Mortgage faces charges of TCPA violations

Freedom Mortgage faces a proposed class action lawsuit, which alleges the lender made several marketing calls to a South Carolina resident in violation of federal and state regulations. 

Plaintiff Brittany Williams said she received multiple calls from three different Freedom Mortgage originators between July 24, 2025, and Aug. 5, all presenting her with options for home equity lending. Despite the calls coming from different loan originators, they all came from the same telephone number. 

In at least two instances, the caller left different numbers belonging to Freedom at which they could be reached. 

In her suit, Williams stated she had never borrowed from or otherwise corresponded with Freedom Mortgage, and her personal number had been listed on the National Do Not Call Registry since 2017. Freedom's actions, therefore, constituted a breach of the Telephone Consumer Protection Act as well as South Carolina's own privacy protection laws, the filing said.  

The legal documents, which were filed in federal district court in South Carolina, state that Williams seeks to represent a class estimated to number, "at minimum, in the hundreds," according to her lawyers. 

"Because the calls were transmitted using technology capable of generating thousands of similar calls per day, plaintiff brings this action on behalf of a proposed nationwide class of other persons who were sent the same illegal telemarketing calls," the suit said. 

In addition to seeking certification as a class action represented by Williams as lead plaintiff, the lawsuit also requested a jury trial, monetary damages and declaration that Freedom Mortgage violated both the TCPA and South Carolina Telephone Privacy Protection Act.

Any proven violation of the federal TCPA's do-not-call policy would result in a financial penalty charged to the offending party of $500 for each occurrence. 

In the current suit, Freedom would also be potentially subject to even harsher penalties for violations of the South Carolina's Telephone Privacy Protection Act as well, which was signed into law in 2018. The state law allows for affected individuals to recover $1,000 for each violation deemed negligent. A willful breach of the SCTPPA would incur a $5,000 fine for each instance. 

Freedom Mortgage had not yet responded to the allegations or the proposed suit prior to article publication. MPA first reported the suit. 

Recent scrutiny and change to TCPA regulations

The latest lawsuit comes during a period when consumers have shown themselves ready to apply legal pressure on lenders over any perceived violations of the Telephone Consumer Protection Act. Lending businesses, including Mr. Cooper and Fairway Mortgage, both have found themselves subject to TCPA litigation over the past year.  

Regulators also updated TCPA regulations this year that govern consumer opt-out policy. Changes, which went into effect in April, now mean a consumer can revoke their consent to be contacted for marketing purposes by any "reasonable means," including text, phone calls or email. 

However, a stricter Federal Communications Commission change known as the one-to-one rule, which would have limited how often and when businesses could reach out to individual parties, was formally repealed this summer.