Freedom Mortgage Corporation

Mr [redacted] , I apologize for the previous response, I had confused your complaint with anotherThe charges you are seeing are an error and were the result of bad data we receive when your loan transferred from your previous servicerWe are in the process of removing the charges and you should not see them on your next statementSincerely Roseanne G Vice President Customer Service Freedom Mortgage Corporation

Mr***, I asked that your concerns be reviewed and it looks like we have a bad telephone number in our system for youThe loan came to us from Ocwen so perhaps there was a data problem when the loan boardedI do not see anything other than that to indicate any mixing of your loan with another loanAs for the link for the document service I believe that you would have to create an account using the same profile that you do if you use our website to make mortgage paymentsIf you still need assistance with that please let me knowIn meantime I am removing the area code phone number from the records Sincerely [redacted] Vice President Customer Service

Complaint: [redacted] I am rejecting this response because: What they posted is a lieThey told me directly that until this year they had outsourced the paymentsIf they check my payments they will see at least one late feeI have moved to another mortgage company because I do not trust Freedom MortgageWe were with them at least two years and had payment problems all along Also I was told by one of their representatives that they do not post directly when they receive paymentI have seen this for myself when I mailed my Febon 2/4/and it did not get posted until Feb16/I have a photo copy of the front and back of that checkI spoke to a repon 2/12/whose name was [redacted] and was told, "wait and see if it posts, if not you will be assessed a late fee and will have to call in to get it reversed I also received a call after I made my complaint, do not have a namewho said they were from the tech teamThey also told me until recently they had outsourced the payments! Guess they don't know how to keep the right hand knowing what the left had is doingNow I want them to back to the beginning of my loan and send me a check for any and all late fees EVER attached to the loanGlad not to be doing business with them ever again Regards, [redacted]

Dear Mr***: The check never came to Freedom Mortgage as it was sent to Key BankYou may want to check with your bank but I don't think it can be presented for payment after monthsIn addition, banks are required to destroy checks after monthsKey bank has stated that the check was past their retention period and was destroyed Thank You [redacted] Assistant Vice President

Mr [redacted] , I do apologize for the issues you were having with the mortgage paymentsIt seems that [redacted] had the property address as the mailing address but you do not reside there, additionally we had a different [redacted] address on our welcome letterCopies of both are attached for your recordsWe have since updated the mailing address to reflect the [redacted] address so there should be no issues with the mail going forwardBased on correspondence in our file it appears that the payments were sent back to you by your bill pay service and the account is not current and due for the June 1st paymentWe have sent updates to the credit bureaus to reflect the loan as having been paid on time and have waived all late chargesplease let me know if there is anything further that we can do for you at this timeSincerely [redacted] Vice President Customer Service Freedom Mortgage Corporation

Freedom Mortgage took over my loan a couple of years ago, and it has been nothing but headaches since then Not only do they continue to make mistakes with the loan (paying the insurance when I pay it myself, not sending money owed to me, etc.) but they call me everyday, usually times a day I have also caught there employees in lies, and using scare tactics I have talked with supervisors about it, and have repeatedly asked them to stop calling me unless it is about my current loan All attempts have been pointless They continue to call and bother me everyday!!!! I see the Revdex.com gives them an A- rating even though they have a 84% negative rating from customers!!! I would give them an F all day everyday!!!! I DO NOT recommend this company under any circumstances!!!!

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me As long as we do not receive further unwanted offers Regards, [redacted]

Mr***, upon receipt of your complaint I asked the servicing department to review your concernsIt seems that the payments in question had been sent to Loancare Servicing by your bank ( that was the previous servicing company) Loancare located the payments and are forwarding them to you We have blocked credit reporting and waived late fees plus a property inspection feePlease let me know if we can do anything else for you at this time Sincerely [redacted] SrVice President Customer Service Freedom Mortgage Corporation

Ms [redacted] , upon receipt of your complaint I reached out to our marketing department and requested that they remove you from any of our marketing listsThey confirmed that they removed you and you will not receive any further solicitationsPlease let me know if this is anything else that I can do for you .Sincerely [redacted] Vice President Customer Service Freedom Mortgage Corporation

Ms [redacted] upon receipt of your complaint I asked the servicing department to review your concern regarding the credit reportingThey advised that they have removed you from credit reportingAs for the late fees, the payments are applied the day that theya re received there is not any delay once the payment has arrived or paid over the phone or via the websiteSincerely [redacted] SVP Customer ServiceFreedom Mortgage Corporation

[redacted] Re: Your Complaint to the Revdex.com Dear Mr [redacted] We are in receipt of your complaint and are happy to respond to your concernsI have reviewed your complaint and researched the issue regarding the difficulties you encountered in making your payment on our website We are constantly striving to resolve any issues relating to our websiteGiven the issues that you have encountered in attempting to make your payment, we have amended your credit for the July 1, payment I apologize for any inconvenience this has caused If you have any further questions or concerns, please do not hesitate to contact me Sincerely, [redacted]

Mr [redacted] ,I apologize if you wish to be removed from marketing calls/mailings and other unrequested contacts was not handled more quicklyI have confirmed that you will only be sent your monthly statements and no other marketing correspondence.Sincerely, [redacted] Vice President Customer ServiceFreedom Mortgage Corporation

Ms [redacted] , you can contact me directly [redacted] Vice President Customer Service Freedom Mortgage Corporation [redacted] Email: [redacted] [redacted] @freedommortgage.com

Complaint: [redacted] I am rejecting this response because:Dear Sir or Ma'am,As you suggested, I have been in touch with two different Customer Care RepresentativesThe first person I spoke with regarding this account was Codie (last name unknown) on 4/14/at 9:a.mI spoke with Codie again on 4/2/at 2:p.mI expressed my concerns that the account is delinquent and past due in the amount of $12,I told Codie that the account should be past due, because under the divorce agreement, I was to pay my ex-spouse the mortgage amount for years, which I will end in December I also told Codie I was not interested in any loan modification or refinancing the mortgageI expressed to Codie my desire to get my name off the mortgage loanI called Codie on 5/25/at 2:p.m., and was told my loan was reassigned to MrsChristian H, who was out of the office on that day, but was told that I called and requested a call backI called MrsH on 6/6/at 3:p.mand was told again that MrsH was out of the officeI called MrsH on 7/5/at 5:p.m., on this date, MrsH was busy and I requested a call backI called back to speak with MrsH of July at 4:p.mand requested a call backI am still waiting on that call back.My desire for this loan is to either Deed in lie of Foreclosure, Short Sale or as the last resort, ForeclosureI do not want to refinance or do a loan modification for this loanI need for this to happen as soon as possible.I need to know why Freedom Mortgage bought a delinquent and past due loan from ***? Because the actions of Freedom Mortgage has compiled the damage to my credit rating and to my healthI intent to as this same question to The States Attorney General and HUD Regards, [redacted] ***

Mr***, upon receipt of your complaint I asked our tax department to review your concernsThe researched and found that the October payment had been applied in error to the wrong loanThey reversed it and on 2/4/applied it to your loan effective dated 10/14/We have waived all late fees and update the credit bureaus to show all payment paid as agreed with no delinquencyPlease let me know if I can be of any further assistance Sincerely Roseanne [redacted] Vice President Customer Service Freedom Mortgage Corporation

January 30, Unfortunately, we would need specific loan information (Borrower's name, property address and loan number) in order to adequately answer this complaintIt does not appear that any loan specific information was provided so that we may adequately access the correct accountAll information provided appears to be of the 3rd partyThank youVery truly yours, Joseph PP [redacted] Assistant Vice President

Mr [redacted] , can you please confirm that we have addressed all of your concerns and that this complaint can be closed Sincerely Roseanne G Vice President Customer Service Freedom Mortgage Corporation

August 19, Mr [redacted] SC Re: Your complaint to the Revdex.com [redacted] Dear Mr [redacted] : We are in receipt of your complaint and are happy to respond to your concernsI have reviewed your complaint and researched the issue regarding the tax issue and the escrow analysis Your loan closed on 12/22/and taxes were estimated in the amount of $1,annually ($per month was collected with payment)The billed amount of $4,was paid from escrow on 12/14/The initial escrow analysis was performed on 12/31/and projected a shortage of $3, This increased your payment from $to $1,effective 03/01/The account was reanalyzed on 2/4/and the same shortage was lowered to $3,Your new payment changed to $1,effective 04/01/The account was then reanalyzed again on 2/25/per your request, based on the notice of adjusted taxes we received on 2/11/The shortage was lowered to 2282.50, based on taxes of $1,annually and the payment was lowered from to The most recent analysis was performed on 4/6/16, after the tax refund, of $was received on 4/4/A surplus of $was refunded back you and your payment was lowered to effective 04/16/ Please note that average processing time for refunds to be received from tax collectors is approximately 6-weeks and the account was analyzed accordingly The Assessor’s office confirmed that the application for adjusted taxes wasn’t filed until February, and the account was analyzed upon request based on the most recent tax amounts available Unfortunately, we are unable to forgive the past due balance owedAs per the terms of the mortgage note, payments are due each month Finally, I noticed that you are currently due for the 3/1/paymentIf you feel that you cannot bring the loan current without assistance, please reach out to our loss mitigation department as they may be able to assist you If you have any further questions or concerns, please do not hesitate to contact me Sincerely, [redacted] Assistant Vice President Customer Service Freedom Mortgage Corporation [redacted] PA Phone: ###-###-#### or direct line ###-###-#### Fax: ###-###-####

Ms [redacted] , I do apologize for the difficulty you were having with the refinanceYou application did take a long time to process and there were some issues with your name and the subordination agreement but it still should not have taken as long as it didWe have since approved and closed the loan, we as the lender applied additional credits to keep the interest rate and closing costs as initally promisedPlease let me know if I can be of any further assistance [redacted] Vice President Customer ServiceFreedom Mortgage Corporation

Mr [redacted] I reviewed the application we have in process and it does appear that this has been going on for an extended period of timeFrom what I can tell we did and still do have issues getting a verification of employment from your employer and you also opened up a new credit account on 12/for which we needed to verify the balanceThe file is currently in closing waiting on the verification of employmentI have escalated the file to the operations manager overseeing this department to see if they can push this thru to closingSincerely [redacted]