Freedom Mortgage Corporation

[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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

August 18,
Roman" size="3">
MsLidia ** *** and MrJeffrey ***
*** *** *** ***
*** ** ***
Re: Your Complaint to the Revdex.com
Dear Ms*** and MrMr***:
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,
*** ** ***
Assistant Vice President
Customer Service
Freedom Mortgage Corporation
*** *** *** *** ***
*** *** ** ***
Phone: ###-###-#### or direct line ###-###-####
Fax: ###-###-####

Ms***, Upon receipt of your complaint I reviewed the recordsIt seems that we sent the 8/payment to *** *** in errorThe person processing the payment saw that your loan would be going to *** *** but did not notice that the 8/payment was to be kept by FreedomBecause the
payment never posted to the account the representatives you were speaking with couldn't see the fact that a check was received and forwarded in errorThe entire process is being reviewed and adjustments will be made as neededThe payment was returned to us by *** *** and applied to your accountYou were not charged and late fees nor were you reported as having to the credit bureausPlease let me know if I can be of any further assistance.Sincerely,*** ***Vice President Customer ServiceFreedom Mortgage Corporation?

Your escrow balance is a negative They applied the that was in suspense to reduce the advance balanceThere is not an excess in your escrow account and if we were to analyze the payment would go up again due to the missing payment

** ***, I am sorry that your requests to be removed from our mailing list was not complied withI have had you removed from the list and you should not receive any further mailings Sincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Revdex.com:
Although I am extremely disappointed that it took countless phone calls, emails, and a complaint to the Revdex.com to resolve all the issues, I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. It is not at all coincidental that my December payment was magically found and my account was brought current the same day that I filed my complaint. Please note that the receipt of the payment was BACKDATED to the previous day, 12/18/15. I am sure that Freedom Mortgage could have resolved all of the issues much earlier in our conversations if they had truly wanted to. This is no way to do business. Please also note, if there is a next time that I have an issue, I will not wait two months to file another complaint
Regards,
*** ***

July 26, Ms*** *** *** *** ***
*** ** *** Re: Your Complaint to the Revdex.com Dear Ms*** We are in receipt of your complaint and are happy to respond to your concerns First, please allow me to apologize for the issue
you experienced regarding the escrow disbursements on your loan We have reviewed the payment history on your escrow accountIt appears that taxes in the amount of $were paid at closing for the installment due on 11/10/When the loan was boarded onto out servicing system, this amount was again paid on 10/28/even though taxes were paid at closingThe tax authority applied this payment to the next tax installment due on 5/10/However, that amount due was $which left a balance of $for the 5/10/installmentThe next tax bill showed a balance of $and our system incorrectly calculated $as the actual semi-annual tax amount and caused the surplus that was returned to you when the next escrow analysis was performedIn addition, your hazard insurance also increased from $to When the most recent tax bill was obtained (the taxes were stated as $on this bill), the system was adjusted again and an escrow analysis showed a shortage of $This also included hazard insurance which had increased to $1,per year) Freedom Mortgage certainly regrets the error and in view of the situation, we will spread the amount due over months in an effort to ease the financial burden to you I hope remedy is acceptable to you If you have any further questions or concerns, please do not hesitate to contact me Sincerely, *** ** *** Assistant Vice President Customer Service Freedom Mortgage Corporation *** *** *** *** ***
*** *** ** *** Phone: *** *** *** or direct line *** Fax: *** ***

Mr*** upon receipt of your complaint I reviewed your file with our senior underwriter. Initially the application was taken and there had been some errors but that was corrected and the was corrected by re-writing the loan but honoring the initial termsThe file was processed and there were
some delays but the file did go to closing on 11/On 11/you advised that you wanted more cash outWe told you that the loan would have to go back to the underwriter for re-approvalBy that point we needed to verify that all mortgage payments had been made on the primary and investment propertyIt was determined that you were days behind on the investment propertyYou did bring the loan current however the delinquent payment history is not allowed per guidelines and the loan has been deniedI am sorry as I am sure that this is not the answer that you would like but there is no other option at this timeIf you have any questions please email me at ***Sincerely Roseanne GVice President Customer ServiceFreedom Mortgage Corporation

Complaint: ***
I am rejecting this response because:The reason that the file was closed was that *** *** said that a check in the amount of $was mailed to me on 1-18-As of today 2-2-on check has been receivedI tried calling her on yesterday and left a messageShe never returned my callI need to know what to do now? Thank you *** ***My phone # is *** *** ***
Regards,
*** ***

Ms***I do apologize for the lack of contactI checked our records and it seems that the file was closed out due to inactivityWe can open up a new application if you would like and I will be happy to remove the inquiries from JulyPlease let me know if you would like to be contacted about a
new [email protected] *** *** *** ***
*** *** ***

[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/Freedom Mortgage:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meMy wife and I do appreciate the effort taken to correct this by several customer service personnel and in particular *** *** for helping us work through this and expedited corrective action
Regards,
*** ***

Ms***, I reviewed the history of your loan application and there were some delays attributable to both sides of the transactionWe did have extra difficulty getting updated payoffs in a timely manner and also needed some documentation from you at timesOn our end we did have hgih volume that
slwoed the overall process and for that I do apologizeThe figure you were given for funds needed to close was inaccurateAfter review it was found that they did not apply the proper credits on the file and the funds needed would be significantly lessWe can reach out to you with those numbers or we can cancel the applicationPlease let me know you preference.*** *** Vice President Customer ServiceFreedom Mortgage Corporation?

Complaint: ***
I am rejecting this response becauseThis is not the first time that my personal information and closing documents have been mailed to the INCORRECT addressThis is a rental property and is not even close to my residence All of my initial losing docs were also mailed there Can we get it right?
Regards,
Elaine Morrison

Mr***,Thank you for bringing your concerns to our attentionI apologize for the confusion regarding who was going to be servicing your loanInitally it was to be *** but that changed at the last minute to be a loan we would serviceThat also caused an issue with the
escrow fundsWe have located that will be applied to your escrow accountOnce that posts to the loan we will analyze the account and refund any overageSince you paid the taxes the funds we have should be able to be refunded to youBelow is my email, please contact me if you have not gotten the refund in the next two weeks.*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Mr*** I reviewed the applications that you previously had in process and see that we were unable to approve the refinanceTypically we would not refund appraisal fees but I feel under these circumstances it is warrantedI have requested the refund of both appraisal fees in the total amount
of Please let me know if I an be of any other assistance*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Dear *** *** Upon receipt of your complaint I reviewed your file with the sales manager and we both agreed that you are entitled to a refund of the appraisal feeThe loan officer should have held off ordering the appraisal until he had more documents in on the applicationI have
submitted a check request for the you paid and a check in that amount will be mailed to you via regular mail in about weeks. Sincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Dear Mr***,
size="3">
We have received your complaint from the Revdex.comFirst, please allow me to apologize for the inconvenienceI have reviewed the information in the complaint and also discussed the situation with some of the individuals involved in attempting to correct the situationAlthough Freedom services your loan, your loan is actually owned by *** *** *** ***When an FHA loan is originated, the Federal Housing Administration issues a Mortgage Insurance Certificate (MIC) indicating that the loan is insured by the FHA When your loan was originated by *** *** ***, the county code on their MIC was listed as - Holly CountyThis is incorrect and should read - Oakland CountyPer FHA, we cannot contact *** *** to request this correction from FHAOnly the Borrower (you) can do thisPlease contact *** *** and request the correctionOnce this has been completed, you will be able to complete a streamline refinance and we can proceed with re-writing your mortgage loan
If you should have any questions, please feel free to contact me
Thanks,
*** ** ***
Office of the President
Freedom Mortgage Corporation
*** *** *** *** ***
*** *** ** ***
Phone: *** *** *** or direct line ***
Fax: ***
***

Freedom Mortage is unprofessional they constantly solicit to refinance & when you do they say you get a better deal when you don't they say your % APR stays they same when that is a lie it goes up, & now your interest rate increasesThey charge late fees easilySomebody who works in billing just lets your check sit on their desk for weeks, & then the company asks where my check is that I sent a month agoThen they call you & say they haven't received your payment so you pay online so it's not late, & then won't waive your late feeUnless you email or fax them, & then after that they tell you to call themThen a week later they deposit your check without your permission, in which causes you to overdraft your bank accountThis is especially frustrating because when I made my payment over the phone when they called to try to avoid the late fee I signed up for auto withdraw because I didn't want my checks to be late anymore, but because they cashed my check without asked & charged me twiceI know had to cancel the auto withdrawal so I wouldn't get charged AGAIN like I already did onceThen I had to call today to try to cancel the late fee & the lady had to email ? to approve the waive (which I find frustrating bc I want to talk to this person, not have some middle man do it, & then it may not get waived)Now I have to wait two business days to find out, & now I can't resubmit an auto withdrawal until that gets figured out, so now I am not sure if I should sent a check now for April because they are so slow or somebody is just letting these checks sit at their desks & collect dustI cannot wait till I can switch Mortage companies because this company has been nothing but a stressful headache & I have only done business with them for a few months

November 10,
Roman" size="3"> Mr*** ***
*** *** ***
*** ** ***
Re: Your complaint to the Revdex.com
Dear Mr***:
We are in receipt of your complaint and are happy to respond to your concernsI have reviewed your complaint and researched the issue regarding your mortgage application
First, please allow me to apologize for the lack of communicationYou applied for a FHA streamline refinance mortgage loanHowever, FHA only allows this if an existing FHA loan is being refinancedYour current loan is a conventional loan and is not eligible for this particular mortgage productOne of our Sales Managers, Cory S has been in touch with you and I have been advised that you are speaking to one of our loan officers regarding a mortgage product that will meet your needs
Regarding your credit, although you provided permission for us to obtain a credit report, I didn’t see that we actually pulled credit on this applicationIf you have a copy of a credit report that is contrary to this, please forward to me and we will have the inquiry removed
If you have any further questions or concerns, please do not hesitate to contact me
Sincerely,
Joseph P.
Assistant Vice President
Customer Service
Freedom Mortgage Corporation
** *** *** *** *** ***
*** ** ***

Dear *** ***
Upon receipt of your complaint I reviewed your file with the sales manager and we both agreed that you are entitled to a refund of the appraisal feeThe loan officer should have held off ordering the appraisal until he had more documents in
on the applicationI have submitted a check request for the you paid and a check in that amount will be mailed to you via regular mail in about weeks.
Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation