Freedom Mortgage Corporation

Mr. [redacted], I do apologize for the frustration you experienced regarding your tax exempt status and the adjustments required on your account. The account has since been analyzed and the exemption for the taxes is not reflected. You received a refund from the title company ion the amount of 1303.00...

and we sent the balance due you of 254.85. Any late charges were waived and the account was not reported as delinquent.[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Ms. [redacted], upon receipt of your complaint I reviewed the loan file, the loan was denied because you have had a mortgage late within 6 months of the last FHA case assignment date. The loan officer may have been confused as this requirement from FHA recently changed, we will address this with...

him. I do apologize for the misunderstanding but FHA guidelines will not allow an application at this time. Once 6 months has elapsed from the date of the last delinquency you can apply again with us or any other FHA lender. Please let me know if I can be of any further assistanceSincerelyRoseanne GVice President Customer ServiceFreedom Mortgage Corporation

Dear [redacted],We are in receipt of your complaint and are happy to respond
to your concerns. Upon receipt of your complaint, we reviewed the
documentation you supplied and consulted with our legal department. Due to the
fact that the property is an environmental waste...

site and the structure is gone
we cannot do any further lending on the property nor will be buy the loan back.
What we can do is use the renovation funds to pay down the balance and then do
a work out with you for the remaining balance. Our legal department will be
reaching out to you directly to discuss this with you.  If you have any further questions or concerns, please do not
hesitate to contact me.Sincerely,[redacted]Vice President Customer ServiceFreedom Mortgage[redacted]
[redacted]

Ms. [redacted] Upon receipt of your complaint I reviewed both the application you had in process and the insurance claim you have on your current loan. The application was a streamline where we were lender paying the closing costs. I am not clear on where you fee the was any misconduct. We...

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 calls. I do not see many incoming calls where you were calling into to ask questions or get a loan status. The application has been cancelled due to lack of contact from you. In regards to the insurance claim, we have to follow investor guidelines and release funds as work is completed. We released $8,453.56 on 5/6/15, another 8,453.56 on 6/5/15 and then 11,835.00 on 9/16/15. You recently called in to schedule the 100% complete inspection which once complete will allow for the disbursement of the remaining 5072.12 left in escrow. Your funds were handled in accordance with investor guidelines and not in any arbitrary manner. Please let me know if I can be of any further assistanceRoseanne GVice President Customer ServiceFreedom Mortgage Corporation

I refinanced my house back in 2013 with Freedom Mortgage. My neighbor recommended Freedom Mortgage. What a horrible mistake I made going with them. I was supposed to have saved over 200 dollars on my mortgage. Not only did my mortgage eventually go back up to where I was when I bought my house, it has gone up a little more.
Forget about getting any help as well. I called this company because we're in contract (thank god) and I needed information. Apparently this company has different sub-companies because I was told I was part of a completely different company under Freedom Mortgage. You'd think if I called up that someone would be able to help, but no. I was transferred (twice). I received my payoff and had my email address updated so I could log on to their website (I haven't been able to get on in years even with the correct information). I just tried a few minutes ago and the website doesn't recognize me.
I can't wait till I get rid of this so-called-company. Stay away from them!

Complaint: [redacted]
I am rejecting this response because:
The 30 day notice as stated in the Fair Credit Reporting Act is designed to give me the customer a chance to address the issue(s) Freedom Mortgage and [redacted] are reporting to the Credit Bureaus. I was not given the chance to address and prevent the late payments and delinquencies from happening. Not given the opportunity to address the issues that were and are being reported has taken a toll on my personal credit, mental and physical health.Loan Number: [redacted] needs to be resolved within the next 10 business days. The loan either needs to be refinanced with my ex-spouse as the responsible party; the loan needs to be Foreclosed or Short Sale.Again, I can be reached at [redacted]What can be done to fix my personal credit score with the three Credit Bureaus?
Regards,
[redacted]

August 7, 2017     [redacted]
[redacted]
[redacted]
*   Re:       Your Complaint to the Revdex.com             Dear [redacted]   We have reviewed your...

complaint and researched the issue regarding the duplicate payments.   We did receive the two payments you have described in your compliant. However, in order to refund one of the payments back to you, we must be able to confirm that your bank will honor the funds from both payments prior to issuing a refund.   In this particular instance, our records indicate that you have stopped payment on one of the payments on August 7, 2017 and we have reversed that payment in our system. Therefore, your account is now due for August, 2017 and your bank should have credited one payment back to you.   If you have any further questions or concerns, please do not hesitate to contact me.   Sincerely,       Joseph P. P[redacted] Assistant Vice President Customer Service Freedom Mortgage Corporation [redacted]
[redacted]

Ms. [redacted] as I had stated no one promised you a refund or credit. Perhaps you can advise what you feel we owe you and I can see if we can approve your request

Complaint: [redacted]
Great. As soon as that happens and you fix your website, then this complaint will be closed.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: That does not solve the problems with the company's system. If people are not able to create accounts and log on, then how can they make payments? My address is [redacted].
Regards,
[redacted]

Mr. [redacted],I am very sorry for the issues you have had with the payment that was drafted and applied to your old loan. I had been previously advised that the payment was reversed and sent back to you but today, after seeing the new complaints you had posted, I asked the cash department to track the...

refund check. They advised that it had been applied as a payment on the new loan in error. The payment has since been reversed and will be sent to you via overnight mail. One of our associates contacted you today and advised you of this. Again I am sorry for the confusion, the late charge was waived as well. Please let me know if there is anything further I can do.[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Mr. [redacted], upon receipt of your complaint I reviewed your loan with the processing manager. She advised that we verified the balances owed with a credit supplement which was pulled on 4/27. I was also advised that the balances being paid were reviewed with you by your processor prior to the loan...

closing. Additionally the amount were listed on the closing disclosure which you signed at closing. Had you felt that they were less than what was owed we could have re-worked the numbers before rescission ended. I am sorry that you feel you did not get the level of service you watned but we would have no other way to confirm the balances other than the credit supplement and your approval. Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Ms [redacted] Upon receipt of your complaint I reached out to the account executive that handles the broker who submitted your application to us. He advised that the file was created on 11/24/15, the appraisal was sent to us on 12/9/15. The set up of the file was completed on 12/11/15 and...

underwriting reviewed and conditioned the loan on 12/14/15. Conditions were sent in on 12/19/15 but not all were provided. There was an issue with chipping and pealing paint that might require repair and we were trying to see if we could proceed without that being needed as of 1/8/16. The loan was eventually final approved on 1/25/16 and is now with our closing and scheduling department
Sincerely
[redacted]

Ms. [redacted], Upon receipt of your complaint I reviewed your file. The representative you spoke with on 5/13 advised you that we would waive the fee for the document you requested. It is common practice to charge fees for the production of schedules or documents. You should have been advised of...

that when you requested it and for that I apologize. Please let me know if I can be of any further assistance.Sincerely
[redacted]
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 [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]    I do know about the 60 days, you are required to wait, but it has been over 125 days and counting, if this will take care of the problem this month, I'll be satisfied, but was told same thing the last 2 months.

[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 [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

[redacted], It is my understanding that the loan servicing center re-set your user ID so that you would be able to access the system. If this is not the case and you need further assistance please email me at
href="mailto:roseanne.goldberg@freedom">[redacted]Vice President Customer ServiceFreedom Mortgage Corp

[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 [redacted], and find that this resolution is satisfactory to me. However, I would like a contact number for Mrs[redacted] as I still have some details I would like to discuss with her. 
Regards,
[redacted]

Mr. [redacted], upon receipt of your complaint I asked the escrow department to review your loan. They advised that the loan was originated on12/14/15 and we acquired the servicing on 1/12/16. The property taxes were paid, based on the Homestead Exemption, in the amount of 1085.72 on 4/19/16. The...

loan is scheduled for the Annual escrow Analysis in October of each year (state determined date). As a courtesy we ran an off-schedule analysis effective with the 6/1 payment. The new payment amount will be 1269.21 and a surplus check of 419.82 will be sent separate from the analysis statement. Please let me know if I can be of any further assistanceSincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

I have been with Freedom Mortgage since 2015 and I have made my payments on time. I just happened to be reviewing my credit report and they have noted that I have missed 2 payments which is incorrect. I am definitely not happy with this company