Freedom Mortgage Corporation

Mr*** I apologize that your request to be removed from our calling list was not responded to more quicklyI have requested that you be removed from our sales call listIt may take a few days for our system to be updated but the calls will stopPlease let me know if I can be of any further
assistanceSincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

MR***, I do apologize that you are having issues with the payment posting prior to the late charge dateWe have removed the late charge that was charged against your accountPlease let me know if Ican be of any further assistance.*** ***Vice President Customer
ServiceFreedom Mortgage Corporation

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 paymentIn 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 removedSincerely
Roseanne G
Vice President Customer Service
Freedom Mortgage Corporation

Ms***, Upon receipt of your complaint I reviewed your fileThe representative you spoke with on 5/advised you that we would waive the fee for the document you requestedIt is common practice to charge fees for the production of schedules or documentsYou should have been advised of that
when you requested it and for that I apologizePlease let me know if I can be of any further assistance.Sincerely*** ***Vice President Customer ServiceFreedom 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***, upon receipt of your complaint I asked for an updated status on the loanAt that time I was advised that they were waiting on the repairs and proof that a credit account was actually being paid by your ex-wifeSince then the repairs have been made but a final inspection has not yet
been orderedThe file is in a suspended status and an email was sent to you yesterday asking if you intended to continue with the applicationA voice mail was left as wellIf you do not wish to proceed please let me know and I will be happy to refund the appraisal feeSincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, *** ***, our subservicer, used the documentation you provided and located the missing paymentThe payment was applied to your account on 10/29/There was no impact to your credit and the account is paid as agreedSincerely,*** ***Vice President
Customer ServiceFreedom Mortgage Corporation?

Mr***, I am sorry that you disagree with the appraised value that the appraiser came up withWe would have very much liked to do your refinanace for you but due to the low appraised value we can not proceed at this timeI will be refunding you the which you paid for the appraisal as a
gesture of good customer serviceYou will be getting a check in the mail in about to business daysSincerely*** ***Vice President Customer ServiceFreedom mortgage Corporation

Mr***, upon receipt of your complaint I reviewed the account historyWe do show the payment being reversed in June and a check being requested on 6/however it seems that it was not sentOn 7/we wired the payment back to your bank accountThe escrow balance as released on 7/22/and
the check was mailed 7/25/I apologize for the delay in getting the payment refunded to youPlease let me know if there is anything further that I can do for youSincerely*** ***SVP Customer ServiceFreedom Mortgage Corporation

[A default letter is provided here
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me if the mortgage company would kindly provide me with a letter stating that the December and January payments were received on time and the loan is in good standing as it always has beenI would appreciate this documentation since I have received four or five letters from Freedom Mortgage stating the contraryWe always make our payments on time and take pride in our high credit score in doing soI know that sometimes one department is not aware of what the other department has done and this would help clarify things going forward
Regards,
*** ***

Ms*** upon receipt of your complaint I asked the servicing department to review your request to have your credit reporting amendedThey reviewed your request and have sent an update to the credit bureaus removing the delinquencyPlease let me know fi there is anything further that you
need.Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Complaint: ***
I am rejecting this response because: I have still not received any validation or password reset emails at my *** email address
Regards,
*** ***

*** ***, I apologize that you were still getting solicitations after requesting to be removedI had your name removed the from the list on 10/28/You will not be getting any further mailing or calls
Sincerely
***
***Vice President Customer Service
Freedom Mortgage Corporation

Complaint: ***
I am rejecting this response because:
The amount required at closing is now 2,when it was originally $I have spoken to Wayne E and refuse to speak with him again because he does not speak to me in a professional way.also, I tried to get a hold of Arvind and William since last Thursday and neither one would respond to an email or phone callGet it to $and I will close.
Regards,
*** ***

September 7, *
*** *** ***
*** ** *** ***
*** ** *** Re: Your complaint to the Revdex.com Dear Mr. *** We are in receipt of your complaint and are happy to respond to your concernsI
have reviewed your complaint and researched the issue regarding credit reporting after your loan transferred from *** to Freedom Due to *** *** *** *** *** *** regulations, Freedom Mortgage is prohibited from reporting to the credit bureaus for days after the servicing of a loan is transferred to usCurrently, we are scheduled to report in September for your August paymentI’m sorry if this has adversely affected your credit but unfortunately, the issue is out of our control as we must comply with federal law If you have any further questions or concerns, please do not hesitate to contact me Sincerely, *
*** ** ***
*** *** ***
*** ***
*** *** ***
*** *** *** *** ***
*** *** ** ***

August 11,
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Mr*** ** ***
*** *** ***
*** *** ** ***
Re: Your complaint to the Revdex.com
Dear Mr***:
We are in receipt of your complaint and are happy to respond to your concerns
I have reviewed your complaint and researched the issue regarding the solicitation calls you have been receiving
I have requested that your phone number be removed from our call lists and received confirmation back that the number have been removed
I apologize for any inconvenience this has caused
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: ***

Ms***, Upon receipt of your complaint I reviewed your accountI do see the double paymentI also see that the payment was wired back to your account on 6/22/I would be happy to refund you the fees charged by your bank but will need documentation supporting the amount owedYou can
email that to me at *** As to the legality of the application of the payment to the next due date, that is entirely legalIf a borrower sends in funds equal to a payment it will post as a paymentThere has to be some logic on the system to apply funds and without instructions to the contrary funds equally a payment will be applied as a paymentFunds less than the amount of a payment will be applied to principalMore often that not customers sending in funds two full payments want the funds to be applied as paymentsPlease let me know if I can be of any further assistanceSincerely
*** ***
SVP Customer Service
Freedom Mortgage Corporation

Mr***, all late fees have been waived or refunded to the accountThe initial check was used to pay down the balanceThe second check has arrived and will be used to complete the payoffAt this time the balance on the account is 33,and you have 6,in the escrow accountThere is 47,in insurance proceeds which I have asked our payoff department to apply to the loan

Ms***, I do apologize for an isolated system error that caused you to continue to get billed when the loan had been paid offWe will amend any negative credit reporting and review the process that allowed this to occurThe loan is paid off, you do not owe us
anything.
Sincerely
Roseanne ***
Vice President Customer Service
Freedom Mortgage Corporation

Here is my fax number ###-###-####Please forward the bank statements and I will be happy to review