Freedom Mortgage Corporation

Mr***We are liscensed in CO, via the NMLS (National Mortgage Liscensing System) as I explaned in my previous responseYou can validate that by going to this linkhttp://mortgage.nationwidelicensingsystem.org/Pages/default.aspxI tried to explain how the documents work and show you in our system that you are not paying any costThe GFE doesn't have a place to show that we are paying the costs, its purpose is to provide an estimate of the costs not detail who is paying themOther documents spell out clearly who is paying what such as the attached details of transaction and itemization of chargesI can not generate a new Good Faith estimate as you withdrew your application, telling the processor that you did not wish to proceedIf you would like a new estimate you would need to contact your loan officerSincerely *** ***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,
*** ***

Complaint: ***
I am rejecting this response because: I indicated that I have not been contacted by anyone in my last correspondence, yet again, I have NOT received a call from ANYONE in upper managementHowever, I have been working with a supervisor about the issue (also indicated in my last message) who didn't understand how it was calculated the way it was either and was supposed to give me a callback OVER a MONTH ago and never did, despite the voicemails I've left for himThere should be a LONG trail of notes about issues I've had with you guys since you assumed this loan in August and I'm completely disgusted with the run-aroundI request a member of upper management with the power and ability to get this solved call me ASAP AND EMAIL me to confirm that I received the callPlease leave name, number, and extension on both correspondences.
Regards,
*** ***

I requested a refinance at Freedom Mortgage , who currently holds my mortgage on 9/23/and they still haven't completed itNote I am a single female and an older oneComplaints include non-returned phone calls, bogus demands such as their not reviewing an appraisal until the days had passed and therefore requesting another, withdrawing $dollars on October for a subordination on a second and not processing it until 12/requesting return of documents w/in hours on my gmail account or the loan would be cancelled on a Saturday night when their website was downPassing the loan from a variety of people, a shell gameOver inflation of loan amount and wanting it to be signed again w.in hours, refusal would result in a cancellation, with no return phone callsMy summation is that this uses a shell game approach to their service, is sexist and agist , to avoid refinancing at a lower rateI remain confused by why they haven't been sanctioned in some manner given the number of complaintsClass action suit anyone?

[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 meThe money was returned but I would like this complaint to remain public
Regards,
*** ***

Please see below from our tax department
The property taxes from closing were projected for 879.94(per mon) and the hazard 1032.96(per mon.) in
Taxes were paid IAO and Hazard for in Taxes were paid IAO and Hazard for in Taxes were paid IAO and Hazard for and in 2015(Policy Switch from Citizens/USAA to Security FirstConfirmed with USAA/Citizens that borrower was switching from Citizens to Southern Oak, but cancelled in 10/and received the refund of 1546.38).
Due to the increase in the hazard premium and real estate taxes paid, the escrow portion of the payment had increased from to current
**The tax assessor has confirmed that there is a partial exemption that is eff 6/6/and the new estimates would be available on 8/18/
** The account has been reviewed for escrow waiver and has been denied due to the LTV Ratio is 91.34% and FMC guidelines require the property taxes to be escrowedA denial letter has been sent
Our analysis performed on 5/1/lowered the escrow portion of the payment to 260.04, based on the deposit back into escrow, eff 5/1/The tax line has been notated for the partial tax exemption and once the property tax estimates are available, if the assessor confirms that the amounts will not change, a new analysis can be performed per borrower’s request.
PLease let me know if you ahev any questions
Sincerely
*** ***
SVP Customer Service
Freedom Mortgage Corporation

August 10,
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Ms*** ** *** and Mr*** ***
*** *** *** ***
*** ** ***
Re: Your complaint to the Revdex.com
Dear Ms*** and Mr***:
We are in receipt of your complaint and are happy to respond to your concerns
I have reviewed your complaint and researched the issues regarding your pay-off of your mortgage
We did receive pay-off funds on July 1, but the amount was insufficient to pay off the loanThe pay-off amount was $shortWe tried numerous times to contact the title company for resolutionWe did eventually get in touch with the title company and the remaining funds were received on August 2, Your loan is now reflecting zero balance
In addition, reporting to the credit bureau will not reflect an adverse credit rateing for the July, payment
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: ###-###-####

***, upon receipt of your complaint I reached out to the processing managerShe escalated the file, got it final approved and structured it so that you would not make a payment until MarchThe loan is schedualed with a notary for closing on 1/22/Please let me know if there is anything
else I can do for you*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, the letter and notifications were sent because the account was showing past due due to the reversal of the funds requested by ***We have removed the late reporting from the credit bureaus and waived or reversed the late fees

I am receiving up to three calls daily from Freedom Mortgage asking me to refinance my home with themEach call I have asked to be taken off the no-call listMy cell phone number is on the national "do not call list"- this is harassment!! I have blocked three numbers from Freedom Mortgage

September 7, Mr*** ** *** ***a and *** *** *** *** ** *** *** *** CA 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 regarding the extra payment and your mortgage refinance application Our records indicate that on May, 13, 2016, you authorized a onetime payment of $3,A portion of this payment was used for your May payment and the remainder was applied as a principal curtailmentYou requested a refund of the addition funds and the principal curtailment was reversed and a check issued back to you Regarding your refinance transaction, it is unfortunate that we were not able to obtain a subordination agreement to complete your transactionThe $1,referred to in your complaint was agreed upon as a settlementMrs*** requested that the $1,be applied to your July payment and that she was going to send in the differenceThis was completed as agreed You are currently due for your September 1st mortgage paymentIf you feel that you cannot make your mortgage payments, please contact out Loss Mitigation Department to discuss possible alternatives If you have any further questions or concerns, please do not hesitate to contact me Sincerely, *** ** *** Assistant Vice President Customer Service Freedom Mortgage Corporation *** *** *** *** *** *** ***, PA

[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,
*** ***

*** ***, thank you for reaching out to usI have removed your name from the marketing listsYou will not be getting any new solicitations, please allow days for this to take effect in the event of an mailings that may have been mailed before
todaySincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Dear Ms***, upon receipt of your complaint I reviewed the application you had in process but have since withdrawnIt seems that the subordination and an unreleased lien were holding up the process of the fileI would agree that some of this should have been addressed earlier in the
process but the need for a subordination (which is required every time you refinance when you have a second mortgage) and the lien release would have still been neededWE have no control over the subordinating lender and we needed you to provide us with the lien releaseWithout those we were at a stand stillI am sorry that we were unable to close on the loan and that you were frustrated with the process
Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Mr***, upon receipt of your complaint I reviewed the accountYou had an escrow shortage due to a recent analysis of your accountYou had paid the shortage but it had not been applied correctly which caused the payment you had sent in for May to not post and be applied to suspenseWe
corrected the misapplication and applied your paymentThere was not negative reporting and the late fee was waivedYou account is current and due for the July payment.SincerelyRoseanne G***Vice President Customer Service Freedom Mortgage Corporation

Ms***, I do apologize for the length in time that it has taken to issue the balance of the refundIt seems that the small disbursement from escrow made to you after payoff prevented the automatic disbursement of the fundsYour request for this to be escalated should have been
complied with and we will be reviewing this with the parties that were involvedThe check was issued on the 3rd and sent via regular mailYou should have it within a few days and if you do not have it by the middle of next week please email me at *** See disbursement information belowSincerely
Roseanne ***
Vice President Customer Service
Freedom Mortgage Corporation

Mr***, upon receipt of your complaint I asked our QC department to pull the phone call in questionThey did so and we reviewed it with Mr***'s managerAs a result Mr*** has been placed on Final Warning and should an incident like this re-occur he will be immediately
terminatedI deeply apologize to you for his behavior as it is completely unacceptableWe have implemented a new policy that actions such as these will result in termination without warningPlease let me know if I an do anything further for you
Sincerely
*** ***
Senior Vice President Customer Service
Freedom Mortgage Corporation

Complaint: ***
I am rejecting this response because: The business has misidentified meMy complaint is regarding a Mortgage Loan, not an Auto Loan
Regards,
*** ***

** ***, I reviewed your application and I do apologize for the delayed closingIt appears that the closing has now been scheduled for tonight at 6PmI am submitting a request for a refund of the late fee in the amount of This will be mailed to you in about two weekPlease let me know if
I can do anything further for you at this time*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Dear Mr***, The $you mentioned was used to complete your 3/payment as the payment that was made was shortI have contacted our servicing department and asked them to reach out to you to review your account with you so you are comfortable going forward and answer any questions you may haveThey should be contacting you within the next several daysThank you*** ** *** Assistant Vice President