Freedom Mortgage Corporation

August 17,
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* Re: Your complaint to the Revdex.com Dear Ms*** 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 selling of your e-mail address I’m sorry to hear of the issues you are having with unwanted e-mailsAs a matter of policy, Freedom Mortgage does not sell e-mail addresses and your e-mail address was not provided to any other businessYour e-mail address will only be used for internal solicitations (i.erefinance options for you) and the appropriate opt-out options will be available to you when this occursTo date, we have not sent any internal solicitations to you If you have any further questions or concerns, please do not hesitate to contact me Sincerely, *
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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?

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

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

I'm a mortgage broker I've had the misfortune of dealing with Freedom Mortgage from a business perspective and I have no idea how these people are able to tie their shoelaces, much less close mortgage loans They lose documents - CONSTANTLY The ignore repeated requests for updates They REFUSE to confirm receipt of documents that were uploaded and emailed Turn times are a joke They will tell you one thing and then do the exact opposite I've closed two transactions in the past month with them and BOTH were GOOD files with Approvable buyers that I could have taken to a dozen different places By the time I realized how jacked up the Freedom system was it was too lateeach loan was a nightmare I battle for every little thing Just to get them to acknowledge that they got a document was impossible Then I'd get asked for it again One item I had to upload SEVEN times before they cleared it The same document, SEVEN times The only reason they cleared it? I emailed it directly to the Underwriter while I was on the phone with him This has to be the WORST wholesale investor on the planet DO NOT become a broker with Freedom mortgage Their rates may be good, but you get what you pay for Nothing but a nightmarish headache from start to finish

[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,
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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***, 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

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

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
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Vice President Customer Service
Freedom 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,
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September 13,
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Mrs*** *** and Mr*** ***
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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 additional bi-weekly payments
On all drafts, the payments were sent to us via your bill pay serviceFreedom Mortgage did not draft these payments from your account; rather your bill pay service sent them to us. On July 27, 2016, Freedom Mortgage mailed you check # *** in the amount of $I have confirmed that this check, which represented a refund of two of the payments, was cashedOn August 18, 2016, check # *** in the amount of $was mailed to youYou should be receiving this check shortly which will complete the refund of the payments in question
If you have any further questions or concerns, please do not hesitate to contact me
Sincerely,
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Assistant Vice President
Customer Service
Freedom Mortgage Corporation
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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
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SVP Customer Service
Freedom Mortgage Corporation

September 7, *
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*** ** *** 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, *
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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,
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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

Complaint: ***
I am rejecting this response because:I feel there is an exception and they just don't want to grant it
Regards,
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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

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