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 meI also confirmed with *** County's tax collector this morning that payment has been receivedThank you for your assistance in addressing this matter
Regards,
*** ***

October 12,
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*** *** *** *** *** *** ***
*** *** *** ***
*** ** ***
Re: Your complaint to the Revdex.com
Dear *** *** *** ***
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 bank charges
First, please allow me to apologize for the issues you experienced with regard to having funds applied to your accountI have requested a check in the amount of $to reimburse you for the bank charges you incurredPlease allow 5-business days for delivery
If you have any further questions or concerns, please do not hesitate to contact me
Sincerely,
*** ** ***
*** *** ***
*** ***
*** *** ***
*** *** *** *** ***
*** *** ** ***

Mr***, upon receipt of your complaint I asked my cash department to review your account and advise why funds were reversedThey advised that the previous servicer of your loan, *** loan servicing advised that a payment that you had been posted twice in error and they needed the funds to be
returned to themI reach out to *** and they provided the explanation below history reflects two payment of $were applied effective 6/08/One payment was applied to the 6/payment with the remaining $applied as a principal paymentOn 7/07/16, we received a payment of $Combined with the second 6/08/payment we had $1,666.00, of which $was applied to complete the 7/paymentThe remaining $1,was applied as a principal payment.In October a reversal was completed to remove the duplicative 6/08/payment, but the transaction history was not reconciled to reflect the reversalIf reconciled, at the time of the servicing transfer, the UPB should have been $96,($95,+ $836.00).We have reversed from principal and applied that as the 3/payment effective 3/1/The loan is now due for the 4/1/paymentI am waiving all late charges and also making certain that any negative credit reporting is removed.SincerelyRoseanne GVice President Customer ServiceFreedom Mortgage Corporation

March 5, *** *** ***
*** * *** ***
*** *** ** *** Re: Your Complaint to the Revdex.com Dear *** *** We have reviewed your
complaint and researched the issue regarding the solicitations, mortgage statement and the amortization schedule Please allow me to apologize for the unwanted solicitationsWe have removed your contact information from our solicitation listsIt may take a few weeks for mail correspondence to cease as these mailings are normally sent bulk mail and any correspondence that has already left our facility could take a few weeks to be delivered Unfortunately, we are unable to deliver mortgage statements electronically at this timeWe are working on an enhancement to add this functionality but I am not able to provide an implementation date at this time I have attached an amortization schedule from our systemThis is not functionality that is available online as amortization schedules are normally requested through our Customer Care Department and a fee of $is chargedWe waived the fee for the attached amortization scheduleAs a suggestion, since you make frequent principal curtailments, Microsoft Excel provides a spreadsheet called Loan Amortization Schedule which can be used to add principal payments by month Sincerely, Joseph PP*** Director Customer Service Freedom Mortgage Corporation *** *** *** *** *** *
*** *** ** ***

This company has been harrassing our family for a couple of years now with mail and phone callsCan something be done to stop this?

*** ***, we communicated via email after you rejected this response and I did not hear back from you after my last emailIf there is anything further that I can do for you please email me.Sincerely,*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Complaint: ***
I am rejecting this response because: To say there were "some" errors made is a huge understatement I was in the refinancing process for nearly monthsMy loan failed to close multiple times solely due to the continuous lies and gross incompetence of Freedom Mortgage employees Please review the countless emails and phone calls and it will be easily apparent that the fault of my mortgage not closing lies not with myself but Freedom Mortgage And I have yet to receive any kind of acknowledgement that Freedom Mortgage ruined my opportunity to refinance my home I would like all of the phone calls and emails between myself and Freedom Mortgage to be reviewed because I am certain that no reasonable person can review all of the promises and monumental mistakes made throughout my loan process on the part of Freedom Mortgage and fault myself for this refinancing to have gone the way it did. I did everything asked of me promptly throughout this process and Freedom Mortgage completely failed myself and my family!
Regards,
*** ***

March 26, Dear *** *** You do not have any one-time payments set up on our website at this timeThank youVery truly yours, JosephPP*** Director

Ms*** Upon receipt of your complaint I reviewed both the application you had in process and the insurance claim you have on your current loanThe application was a streamline where we were lender paying the closing costsI am not clear on where you fee the was any misconductWe processed the
application, including the subordination of your second mortgage, extended the interest rate lock at our own cost and called out to you repeatedly, leaving messages on your cell phone to schedule your closing but you did not return our callsI do not see many incoming calls where you were calling into to ask questions or get a loan statusThe application has been cancelled due to lack of contact from youIn regards to the insurance claim, we have to follow investor guidelines and release funds as work is completedWe released $8,on 5/6/15, another 8,on 6/5/and then 11,on 9/16/You recently called in to schedule the 100% complete inspection which once complete will allow for the disbursement of the remaining left in escrowYour funds were handled in accordance with investor guidelines and not in any arbitrary mannerPlease let me know if I can be of any further assistanceRoseanne GVice President Customer ServiceFreedom Mortgage Corporation

Mr***, upon receipt of your complaint I asked the escrow department to review and advise why the taxes had not been paidThey reached out to our tax vendor and it seems that the vendor missed the fact that the taxes were dueThe opened a taxk to pay the billThe disbursement went out
on 2/24/I am sorry that this caused you frustration, we are reviewing the procedures we expect out vendor to follow with them so this will not occur againSincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Ms***, I have reviewed your complaint as well as the application that was in processIt seems that you could not provide what our underwriters needed to complete their review of your fileYou advised the processor on 2/18/16 that you would not and could not provide what was requested
in order to move the file forwardThe application has been withdrawnWhile we do not feel that there was any delay or error on our side in the interest of good customer service we will refund you the appraisal feeIt will be mailed out via regular mail in about to business daysSincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Mr***, as you are now aware your active duty status was not properly reflected on your account due to a coding error by one of our representativesThis was corrected and you account updated to reflect your statusI apologize for the frustrations you incurred trying the clear this
up.
Sincerely
*** ***
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 received the refund check on 5/09/It took five calls, a complaint to the Revdex.com and nearly months to resolve thisIt's frustrating to have to go to such lengths to get an over payment refundedDespite this, I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you for your helpI'm unsure if this would have been resolved this quickly if not for your assistance.
Regards,
*** ***

*** *** Freedom Mortgage is in the business of making mortgage loans, not deceiving borrower'sThe loan officer did believe that your application was approvable however due to the fact that you are the only party on the auto loan note that debt would still have to be counted in your
debt ratioThe loan officer was educated on this factI have submitted a request for a full refund of the that you paid for the appraisalYou will receive it via regular mail in about days.Sincerely*** ***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 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,
*** ***

Mr***, I do apologize that you request to be removed from our marketing list was not complied with in a timely mannerSometime it can take days for the mailings to stop because if your name was in a campaign that was already underway at the print vendor there would be no way to remove it at
that pointI have confirmed that you have been removed from the marketing lists and should not get any further mailingIf you do please feel free to email me directly at ***Sincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, I apologize for the lack of action taken to resolve this tax issueI will personally handle this for you going forwardI have already reached out to the tax department and asked them to work with the tax vendor to get your tax office what they need to get the refundThe vendor,
***, doesn't send individual checks, they send either a bulk check or a wire for all the borrowers whose taxes they are paying so we can not get a cancelled check for your particular payment but I am sure that they have dealt with this issue before and can get the tax office what they needPlease email me at *** so we can keep in touch while we get this completed.Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

This company is not customer friendly at allTheir payment system is outdated and the structure is horribleMy mortgage is basically a monthI receive my military disability in one bank account (1st) and I get my employment check in another bank account (5th)I tried to pay online for the whole amount from two different accounts but their system does not allow itIf you mail it in before the late date it does not matter because it is when they get it and you are charged a late feeIf you try to pay it over the phone with them from two different accounts you get charged per accountSo because their system does not allow, they want to charge me to make a payment over the phoneThe employees are not on the same page or trained well because I have been given different information from each person I talk toThey say you can do one thing and after you attempt it, their response is always...sorry I thought...The review says to support credibility, all you have to do is refer back to the recorded phone conversations on dates like 4/15/and in March when I was told a late fee would be removed but was told the following month it had been deniedI am in the process of taking my 320,loan else where, where their system is a little more up to date and customer friendlyOh an for the record I was on the phone once for over minutes

*** ***, upon receipt of your complaint I asked our customer service department to review your account and reach out to youThey advised that they had spoken with you on 10/and 10/IN response to your complaint we called and left you a message on the 14th and again on the 17thWe have not
gotten a response to either of those callsIf you still need our assistance please let me know by emailing me at ***Sincerely, *** ***Vice President Customer ServiceFreedom Mortgage Corporation