Freedom Mortgage Corporation

*** ***, I am sorry that you experienced some frustration while trying to refinanceThe property significantly under appraised and you would have had to bring in excess of 5,to closing, which clearly didn't make senseI have refunded the appraisal fee, those funds are being wired back
to your bank accountI am not able to effect any other refunds without the invoices showing what you paid and to whomIf you can send them to me I can have the reviewed for possible reimbursementYou can send them to ***I look forward to seeing if I can assist you further.Sincerely,*** ***Vice President Customer ServiceFreedom Mortgage Corporation?

I cannot access my account on lineWeb page listed as no longer availableI called: provided my loan number: it doesn't exist I changed telephones to make sure it wasn't specific to cell vs landline: same response I selected to use my telephone number rather than loan number to access my account information: message is that neither of my telephone numbers are linked to an account

Ms***, upon receipt of your complaint I reviewed your accountYour loan paid off in June of this year and was due for the May payment at the time of the payoff, making the account past dueAs such you were reported to the credit bureaus as being late for MayYou contacted our office
recently requesting that the reporting be changed as you had been told you would be closing in May and did not need to make the paymentAs a courtesy we have updated the credit bureaus to show the loan as paid as agreedSincerely*** ***Senior Vice President Customer ServiceFreedom Mortgage Corporation

Mr *** I responded to your email on Dec 11th with the following but did not hear backIf you concur with the numbers I would be happy to issue the refund mentioned below The was received by Freedom from Aurora in June of It was sent to Loancare later that month but your loan had already been paid off by the current mortgage and loancare had no loan to apply it toOn July 10th we asked loancare to return the money to us and we applied it on 7/14/The in August Aurora was asking that the funds be returned to themPer their request we reversed the payment and sent it to Aurora by wire on 8/Aurora was to have then sent the funds to you. I did an amortization schedule for your current loan without the curtailment and with the curtailment (as if it has been applied before your 1st payment.) The difference in interest paid is which I will round up to if you concur with the calculationsDocumentation is attachedPlease let me know if you have any questions. Sincerely,*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Complaint: ***
I am rejecting this response because:
***,This still does not make sinceThe customer service agent I spoke to yesterday said that I was supposed to make April's Payment and that's why my check is a different amount than $2,this is contradictory of all the closing officers and people I spoke with said I was supposed to skip April and May and make my first payment in JuneAm I now skipping May and June and first payment in July? So why am I not getting back exactly what I paid? I don't understand why I am getting back moreIs it being Financed in to the new loan? you need to break this down and spend more time explaining this than a poorly written emailThis still does not solve the issue of me getting my escrow check back, because it was supposed to be refinanced and completed in JANUARYbecause of Freedom's incompetence this kept getting pushed back until April and therefore I didn't get my escrow account backYou need to do betterOn top of this I still have not received my refund check, I was told this would be sent back to me within Business Daysthat time ended on the 20th of AprilI just spoke with a customer service agent on the phone and the check has not even been writtenYou are affecting my family and ability to pay billsDo I need to get a lawyer involved? If I dont see movement and responses in a timely matter I will escalate this furtherI opened this complaint almost weeks ago and this is only the second response I have from Freedom
Regards,
*** ***

February 20, *** *** *** *** ***
*** *** ***
*** *** ** *** Re: Your Complaint to the Revdex.com Dear *** *** *** *** We
have reviewed your complaint and researched the issue regarding your tax disbursement Your taxes were not paid timely as the tax parcel was missing from the data feed when your loan transferred from *** to Freedom Mortgage on December 4, We overnighted the payment plus the interest to the tax authority on Friday February 16, (*** *** *** * *** *** ***) and we have confirmed delivery on Monday February 19, (see *** *** confirmation)In addition, we contacted the *** County Tax Authority today and spoke to *** ***) and she confirmed receipt and stated that the taxes will be posted todayAll penalties were paid by Freedom Mortgage We have updated the tax parcel number in our system and do not anticipate that this issue will reoccurWe apologize for any inconvenience this has caused Sincerely, Joseph PP*** Director Customer Service Freedom Mortgage Corporation *** *** *** *** *** *
*** *** ** ***

Mr***, can you please confirm that we have addressed all of your concerns and that this complaint can be closedSincerelyRoseanne GVice President Customer ServiceFreedom Mortgage Corporation

Mr***, my understanding, based on a conversation we had, is that Joe M was able to assist you and address your concernsPlease let me know if that is not the case.Sincerely,Roseanne GVice President Customer ServiceFreedom Mortgage corporation

Mr***, I am sorry that you are unable to make principal only payments on our websiteWe are working with our vendor to get this updatedWe are not the "owner" of the system and therefore can not affect that change on our ownWe are hoping to have the functionality to accept principal only
payment in the near future. Sincerely*** ***SVP Customer ServiceFreedom Mortgage Corporation

Mr***, I took a look at the loan we are currently servicing and do see that you were charged late fees for Jan and FebI have waived thoseI also see that the loan was final approved today and that the loan is schedualed to close on the 20thplease let me know if I can do anything
further for you at this time.*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Complaint: ***
I am rejecting this response because: This business is supposed to be one of integrity and high standards I realize that FHA has guidelines, however, as a business and as information of importance, this information should have been shared with all parties as soon as it became available Secondly, all items I was told that wouldn't be needed during my initial conversation with Bill O were later requested during the processing of this loan, i.e., no out of pocket expenses, but loan application listed my escrow account and there other charges listed I was told that income verification was not required, however, pay stubs were requested I was told that an appraisal was not necessary, however, on the loan application, it indicated that an appraisal may be requested at my expense I was told during my initial conversation with Bill O on 2/10/that I qualified for the streamline loan He reviewed my credit history during that conversation The lateness was discussed along with other issues He indicated that those issues would not stop me from getting a loan approved under the terms listed and I should go to settlement around 3.10.2016, with my first payment due to Freedom Mortgage on May 1, The loan was being processed and I was kept abreast of the processing On 3/2/2016, I called Bill O to make him aware of my concernsAs a result, that's when he reminded me again of the latenessA letter was later received from Bill O dated, 3/2/2016, the same day I spoke to him, denying the the loan He indicated that it was denied due to another credit report that was below the required score It appeared that my loan was already approved, It appears that I was scheduled for closure on or about 3/11/ My questions are, why was another credit check required after my loan was already approved and secondly, when did your staff find out about the new regulations and when were you'al planning to inform me I get one response indicating that the loan was denied due to a mortgage lateness, however, Bill O letter indicated that it was due to a credit score I would like yo have my questions answered This is bad business practice.
Regards,
*** ***

Dear *** ***
Upon receipt of your complaint I reviewed the loan application and the status of the fileI do apologize as I can see that the closing that were canceled should not have been scheduled in the first place as we were missing a correct payoffThe cash needed at
closing was also not handled as we would have liked as the numbers were preliminary as the payoff had not yet been received, the individuals involved have received some additional trainingI understand that the loan has since closed and funded and that you did not need to bring any funds to the closing tableAgain, I do apologize and if you need anything in the future please feel free to reach out to me at ***
*** ***
Vice President Customer Service
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,
*** ***

Complaint: ***
I am rejecting this response because: I have tried repeatedly to fix the issue with no success The point is there was an escrow shortage that was PAID in fullI also paid additional funds in an effort to hold the current monthly payment reasonably stable Freedom has REFUSED to adjust the monthly payment to reflect the additional funds PAID, instead they insist on billing as if NO payment was made All I was trying to do is maintain my budget Their "customer service" is nothing more than a high pressure collection agency trying to make me pay or verify everything over and over before even trying to look into this issue
Regards,
*** ***

[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,
*** ***

We were approached for a refinance by Freedom mortgage and have since received the absolute worst customer serviceI would not use this companyI feel like they are trying to scam us everytime I speak with themThis was supposed to be a zero-cost refinance yet they have multiple times tried to sneak fees in on top of the principle amountI honestly feel that unless you are extremely persistent and know mortgage financing very well, you WILL get ripped offI have talked with different managers getting different stories each timeThey have admitted to multiple errors that if I had not caught I would have been charged for

Complaint: ***
I am rejecting this response because: I had numerous conversations with MrD and others in attempt to resolve my questions on the GFE for my VA IRRLAt no time was I ever presented with credits that Freedom was payingThe only thing I was presented with was over $5,in closing costs To say there were no incoming calls is untrue To say that I eventually got so disillusioned with the process and having to deal with at least or different people, starting all over with my situation every time, that eventually I did indeed stop returning calls from the closers is true - by then I had informed different closers via email that I was no longer interested in taking the loan with Freedom because I was just sick of dealing with the incompetence.Regarding the insurance payout: I did not receive payouts you list below - which again, I went over with at least different specialists on the phone In fact, the amount you list is in excess of the settlement - one of those payments never arrived, yet I would have to explain this over and over again every time I called to check on my 50% disbursement - which took exactly days to receive One specialist told me the check was mailed on 9/16, the automated system stated it was mailed 9/18, yet it was finally postmarked 9/22, a month after my 50% inspection was complete.Yes, I have now scheduled the 100% inspectionI will wait to consider this matter closed once the final disbursement arrives.We'll see if it's actually processed 3-days after complete this time, But to think that I had to resort to calling every single day and filing two complaints in order to receive money that was owed to me is shameful
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
While the individual did respond on July 18, 2014, it was only because of my insistence and obvious need to fix the account because since March I had not received a direct answer What I cannot get the organization to understand is that based on their processes my account is short on escrow and they are unwilling to change the practices or rather offer solutions to help All I get is what they can't and won't do I contend that I followed their process to get it resolved and I am still going to be short on my escrow because they use old numbers rather than wait for new numbers Also they wait two or more months to deduct the escrow when they should do it right away So the entire process is in their hands because I have no access to their computer system to work the account They don't see that they did anything wrong as one executive put it to me They can't see that I was inconvenienced and still am
They won't put money to correct the issue, they won't adapt their process to help me and all they say is they apologize At this point apologies are not helping me They were quick to send a delinquency notice as this was ongoing and based on their doing I was two months behind But of course they blame it on the system that automatically sends stuff So even when they know there is an issue with my account they take no responsibility for it, like they don't care
Those of you who are reading this response, make sure you do not do business with Freedom Mortgage or *** Find a bank that will be helpful and honest about their practices I was originally short and now I have ended up paying them more than $dollars because they refuse to listen and do what it takes to help me As soon as I can get out of *** I will because I am going to end up with issues every year from now on
Very deceptive not good faith practices done by this company Good luck trying to reach them as it takes at least minutes or more and then having to go round and round because the reps don't know most answers and the supervisors won't return call or at least get on the phone to answer your questions At some point enough is enough and at some point some agency needs to do an audit of their practices I know my case is unique to some degree and my attorney general may not pursue but I did report it and will continue to speak out on this in any way possible How sad that the company take it lightly when they are affecting someone's life
Regards,
*** *** ***

[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,
*** ***

Complaint: ***
I am rejecting this response because:
Roseanne please give me a call at *** anytime after 3pm *** time, so we can resolve this issue
Regards,
*** ***