I have this happen at my mortgage site and also at the Credit Karma site. When you enter the user name and password, the site will error out with not being able to log you in and to try at a different time. You can try all you want but when freedome is "On" but if you turn it "Off" you can gain access to the account. Has anyone else had this happen to them? I cannot believe that I am the only poor sucker who has :).