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*** you received a refund of after the loan paid off, that was the mortgage payment and a small amount of escrow fundsIf you have not gotten that check please let me knowI am sorry that I missed your call, I have been in meeting off site for the last few days
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

October 12,
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*** *** *** *** *** *** ***
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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,
*** ** ***
*** *** ***
*** ***
*** *** ***
*** *** *** *** ***
*** *** ** ***

[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,
*** ***

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 *** *** *** *** *** *
*** *** ** ***

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

*** ***, I do apologize that your experience was frustratingWe take our customers experiences very seriously and will review your entire file and the actions of our employeesI also apologize for the lack of follow thru in regards to the refund of the appraisal feesThe check was
placed in the mail this morning so you should have it in a few daysIf I can be of any additional assistance please let me knowSincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Ms*** I apologize for the miscommunicationWe cannot defer the payment of the appraisal until after underwriting because the appraisal has to be completed before the loan is underwritten and the fee is typically not refundableHowever under these circumstances I will refund the feeIt
will be credited back to the credit card you used when you paid for it.
Sincerely
*** ***
*** *** *** ***
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?

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

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

Complaint: ***
I am rejecting this response because: I have documented proof that funds for January, February AND March have been deducted from my bank accountI have reviewed my transaction history with bank representatives on the phone and in person and they would be more than happy to support my claims that Freedom Mortgage has indeed obtained these fundsI have sent over faxed and emailed documentation from my financial institution to prove that these deductions have been made from my checking account in all three instancesThis information was shared at the request of Freedom MortgageI have written notes and recorded phone conversations documenting my numerous conversations with Freedom Mortgage representatives giving me very inconsistent information with regard to my accountAt NO TIME had there been a transaction been reversed for non-sufficient funds and I am offended that was ever suggested! At no time did I reverse payment on my mortgageI have received mail correspondence from Freedom Mortgage stated that they did indeed receive and process these "missing" payments, so I am baffled as to why their response reads as it doesMy complaint would be number with regard to similar issues with this companyI am requesting that Freedom Mortgage supply the Revdex.com with accurate information reflecting my account and report to the three bureaus that their reporting has been done in error and should corrected immediately!
Regards,
*** ***

Mr***,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,*** ***Vice President
Customer ServiceFreedom Mortgage Corporation

last year around 10/I was on my last payment for a loan modification with first mortgage, and Freedom mortgage took over my loanThen I had to resubmit all my information and they advised me to continue making payments, so I didA month later after my first payment with them they advised me that payment had not been received, I verified my account and the money was still there,, I then called back to Freedom Mortgage to advise and the agent said they were unable to accept payment as account is still being transferred, I then asked what was my next step they said they would force a payment which they didThen in the following month of December I tried to pay again they advised me not to pay as loan modification is still being processed,, I called January 3rd and also mid January and they advised me not to pay stating they would let me know when to began payment again as modification still wasn't processedI asked if I should be worried or if I needed to put money aside, they said once modification is cleared I will have one month to not have to worry about payment for its just how the system works and they understandIn March I called and they advised me that I needed to pay 3months of mortgage as it was due January 1st Since then I have been trying to catch up making one payment at a time and everytime I call I'm on hold for over min, and they say only my single point of contact can take my payment., but my point of contact is never available, they also say they cannot pull up my account from my phone number every other time but it states when I call that they have a account associated with my number in the automated systemThe customer service is extremely horrible, Ive been calling for 2weeks trying set a 1time 2payment authorization so I can get caught up but I keep getting transferred and no one is callng me backI feel like this company is trying to set my account up for foreclosure or default, anyone should be able to accept payment, and when I request a manager they tell me they are in a meeting

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

*** *** 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 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

[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 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