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,
*** ***

I just called Freedom Mortgage Corporation to inquire on how I could receive a payoff letter from this company When I called, it sounded like the operator dropped the phone, then she said HELLO? HELLO?The operator never announced her name or the company she worked for I was a little uneasy giving her my personal information considering she was extremely unprofessional It actually sounded like a scam when I called, but I verified online first to make sure the number was legit Very odd

Mr***, I am sorry that you were experiencing frustration while trying to obtain the final draw on the insurance claimWe will be reviewing why this escalated issue was not resolved soonerI reviewed the account and it appears that the funds were released on 2/26/I hope that they have
since reached you and that you have been able to complete the process of completing the new homePlease let me know if there is anything else that I can do for you.*** *** Vice President Customer ServiceFreedom Mortgage Corporation

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 ***Vice President Customer ServiceFreedom Mortgage Corporation

My mortgage was sold/transferred to them from *** (which I liked) When I refinanced to another company two years later, I was charged $in non-named or described fees A month later, I have yet to receive explanations for these fees or a check for the balance of my escrow account

Complaint: ***
I am rejecting this response because:Good morning MrP, and thank you for getting back with me SirI spoke with MrsKristy Z and Christian HBoth of which I have made aware of what needs to happen and how soonI am rejecting this response because, I need an answer to my original questionsIs it standard practice to purchase a past due and delinquent mortgage loan from another mortgage lender?Is it standard practice for both the previous mortgage lender and the current mortgage lender to be reporting the past due and delinquent mortgage loan to the credit agencies at the same time?Why wasn't I notified within days per the Fair Credit reporting Act, prior to Freedom Mortgage reporting the past due and delinquency to the credit agencies?Sir, your Loss Mitigation department had my contact information as far back as April This delinquency was first reported to the credit agencies in May 2016.With both Freedom Mortgage and *** *** reporting this negative information to the credit agencies, it has had an effect on my personal credit score, it will have an effect on my job, my insurance, my ability to get credit for future purchases, my family and my livelihood.For now I am rejecting this response until I can get some answers and help regarding my questions and my credit rating
Regards,
*** ***

Mr*** any actions we take would be considered internal and as such you would not be entitled to any details as you are not an employee of Freedom Mortgage

Mr***, we communicated via email and I provided you with the investor (*** ***) guidelines that clearly state that we have to have a licensed contractor perform the workI did try my best to get the exception but there is no option for an exception as this is not our requirement, it is the investors requirementWe can not waive a requirement that is not ours to waive

Complaint: ***
I am rejecting this response because: I am a retired AUDITOR from the INTERNAL REVENUE AGENCY that is why the IRS has FORMS and they the IRS request that their forms as the mtg int statement be completed correctly Freedom Mortgage makes up their own rules as they go alongThe IRS does not get the statement that is below the IRS FORMS what is wrong with this company? I demand the form be completed the correct way as *** does indicating I paid my property taxesAnd I demand that the Revdex.com address this situation immediately My husband and myself have been on the phone with them over hoursThey are a corrupt, negligent company, and we will be suing them due to this issue and other mistakes and error they have made and falsely reported to our credit agency
They should contact Christine P *** the mtg broker who wrote this disaster mortgage I sent her a copy of what a should look like from a really banking institution.
My property taxes were paid and it NEEDS to be indicated in box This is not an option this is the LAW required by the IRSThey need to understand the IRS does NOT GET Their statement and I need to file my taxes and do not feel like being audited.
Regards,
*** & *** *** - ***

Mr***, I am sorry that you are having issues with the loss mitigation department, as I had said previously you have been assigned a new contact so hopefully you will not have any further issuesWe spoke with your wife in December, sent a new loss mitigation package out and are still waiting on the following outstanding items
Signed Tax returns Disability letter and 4506-t with line complete
please submit the missing items as soon as possible so we can review your request

I received notices in the mail from several mortgage companies indicating that I could refinance my FHA loan I contacted Freedom since that is who my mortgage loan is currently through I was told that I could refinance for down in closing costs, or at the maximum, $dollars or so I got the final papers today and they want me to give them $2,900+ in closing costs I called them and talked with one of their "specialists" who wanted to go over the numbers with me I asked him if that would change the fact that they want almost $3K from me, and he said probably not I told him I didn't have time to go over numbers that wouldn't change the outcome and informed him that their company is very unscrupulous and misled me in believing that I could refinance with almost down I am a widowed mom and was very much needing this refinance and am angry beyond belief that I fell for their advertising I do NOT recommend this company to anyone In my line of work (and in life really), you do as you say you're going to do Freedom Mortgage doesn't adhere to that belief and I will never recommend them to anyone

July 27, Ms*** *** *** ** *** ***
*** ** *** Re: Your Complaint to the etter Business Bureau Dear Ms***: We are in receipt of your complaint and are happy to respond to your concerns I have reviewed your complaint and
researched the missing payment issue referenced Freedom Mortgage has located the missing payment and applied the payment amount of $to your accountAs of today, your next payment will be due on August 1, In addition, all late fees associated with this lost payment have been waived 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: *** ***

Complaint: ***
I am rejecting this response because:
The response is simply stating every step in which they were not proactive and lacked communicationHow is this correcting the problem? In this seller's market, if I was not good friends with the sellers, they would have gone with another buyer and I would have lost the house because of the lack of competency of Freedom Mortgage's employeesFurthermore, although they did give me the credits that were promised,
they did not respond to my emails and voicemails of why they were continuously changing the good
faith estimate.We even had to delay the closing because they simply transferred the insurance from my 4-plex onto the house and thus, the escro account was off by ~$1,They did not even put the right address on the closing documents *** *** *** *** ***.Additionally, I am in the process of writing a separate complaint about their lack of response to my inquiries on the private mortgage insurance on my other mortgage with them (*** *** *** *** ** ***). The PMI is supposed to come off of the loan after 22% of the equity has been met, which has happened. I have emailed and called Freedom Mortgage several times within the last couple of months with no responses. Consumers need to be warned of this companyThey have messed up the mortgage at every single step.
Regards,
*** ***

Ms***, I apologize that you had this issueI reviewed the loan and a representitve should have followed up with you but did notWe have waived the last charges and have sent a correction request to the credit bureaus to reflect the account as paid as agreedPlease let me know if I an be of
any further assistance*** ***Vice President Customer ServiceFreedom Mortgage Corporation?

Complaint: ***
I am rejecting this response because: I am a retired AUDITOR from the INTERNAL REVENUE AGENCY that is why the IRS has FORMS and they the IRS request that their forms as the mtg int statement be completed correctly Freedom Mortgage makes up their own rules as they go alongThe IRS does not get the statement that is below the IRS FORMS what is wrong with this company? I demand the form be completed the correct way as *** does indicating I paid my property taxesAnd I demand that the Revdex.com address this situation immediately My husband and myself have been on the phone with them over hoursThey are a corrupt, negligent company, and we will be suing them due to this issue and other mistakes and error they have made and falsely reported to our credit agencyThey should contact Christine P *** the mtg broker who wrote this disaster mortgage I sent her a copy of what a should look like from a really banking institution. My property taxes were paid and it NEEDS to be indicated in box This is not an option this is the LAW required by the IRSThey need to understand the IRS does NOT GET Their statement and I need to file my taxes and do not feel like being audited.
Regards,
*** & *** *** - ***

size="3">August 29,
Mrs*** ** *** and Mr*** ***
*** *** ***
*** ** ***
Re: Your complaint to the Revdex.com
Dear Mrand Mrs***:
We are in receipt of your complaint and are happy to respond to your concernsI have reviewed your complaint and researched the issue your loan modification
Freedom Mortgage has reached out to your authorized third party twice regarding the modification on July 18th and July 28th and the calls were not returnedYour request has been denied based on incomplete documentationHowever, you may re-apply with a complete package to be re-reviewed for home retention
I have enclosed a new loss mitigation packagePlease provide a full package and include the items outstanding from the previous applicationThese items are:
Provide letter of explanation for large deposits into *** *** checking for $on 05/03/and $on 05/09/Also please provide letter of explanation for numerous deposit from a *** * *** ***Is this another account or different source of income?
Provide paystub that reflects deposit into a separate checking account ending in what appears to be Please provide months most recent consecutive bank statements for this account along with LOE for any large deposits
Please provide updated *** *** bank statement May through June Previous
March-April statements are past daysAlso, provide letters of explanation for any large non-payroll deposits.
Please provide better image of the previous paystubs providedSome of the income figures are difficult to read
If you have any further questions or concerns, please do not hesitate to contact me
Sincerely,
*** ** ***
Assistant Vice President
Customer Service
Freedom Mortgage Corporation
*** *** *** *** ***
*** *** ** ***

Mr***, our bank's lockbox does not at this time read the memo lineWe have been meeting with them and have had people onsite for a number of days to work out the issues we have with themI agree with all that you are saying in you letter and that is what we are trying to have them comply withTo assure that extra principal payments are applied are you are requesting I would suggest sending them to the address below where they will be applied by a person rather than the bank's systemI have not reversed any thing that you sent and appliedI am attaching a payment history for your review so you can advise if the payments have been applied properlyIf anything appears wrong of if you have questions please feel free to email me at *** and in regards to our staff, we will review the calls you had with our reps and provide training as needed
Freedom Mortgage
Cash Processing
*** *** **
*** ***
*** ** ***

This company is the most miserable company to deal withI would say the customer service is about as bad as *** Every single time I have called in looking for information the customer service rep would just dump me into the same automated systemi have called in trying to get information on multiple occassions and each and every time I have to call in multiple times due to getting hung up on or transferred to the wrong place

Mr***, upon receipt of your complaint I asked the escrow department to request a refund of the duplicate tax payment and to cancel the analysis that was recently done as it is not accurate due to the erroneous disbursementThey have done so and we are waiting on the refund from the tax
officeOnce we have that we will deposit it back into escrow and reanalyze your accountI apologize that you concerns were not addressed in a more timely manner and we will review this issue with the staff involved.Sincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, upon receipt of your complaint I asked our compliance group to pull and review the call you had with *** ***The call took place on 2/24/at 7:PMFourteen minutes into the call the loan officer told you that "during the process, we would pull your credit to make sure there are no
liens or judgments on the propertyWould I have permission to pull your credit" You responded "yes"The Loan Officer then asked for your social security number and date of birth, which you providedYou did not mention that you did not want your credit pulled until after you saw the paperworkThe loan officer did have authority to pull creditAt this time your application is still openCan you advise if you are proceeding or cancelling and I will review for the removal of the inquiry as a courtesySincerely*** ***Vice President Customer Service Freedom Mortgage Corporation