Freedom Mortgage Corporation

January 22, 2018   [redacted]   Re:       Your Complaint to the Revdex.com             Dear [redacted]   We have...

reviewed your complaint and researched the issue regarding the credit inquiries.   The inquires you are seeing on your credit report are soft inquiries and are done by [redacted] and provided to our third party marketing partner by them. The inquiries are for the purposes of mortgage solicitation. These soft inquiries do not affect your credit scores.   We have removed both your names from any marketing lists that we have. In order to insure this does not occur again with us and any other marketing vendor, we suggest that you call the national opt out number. [redacted] or visit [redacted] The phone number and website are operated by the major consumer reporting companies.   We apologize for any inconvenience this may have caused.   Sincerely,     Joseph P. P[redacted] Assistant Vice President Customer Service Freedom Mortgage Corporation [redacted]

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

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

August 19, 2016
 
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Mr. [redacted]
[redacted]
[redacted]
 
 
Re:       Your complaint to the Revdex.com
 
Dear Mr. [redacted]:
 
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 late fees assessed.
 
The late fee in question was actually a late fee from Ditech that was waived and somehow transferred to our system when the loan was transferred to Freedom Mortgage.
 
I have requested that a check in the amount of $33.46 be sent to you. You should received your refund within 5-10 business days.
 
I apologize for any inconvenience this has caused.
 
If you have any further questions or concerns, please do not hesitate to contact me.
 
 
Sincerely,
 
 
 
[redacted]
Assistant Vice President
Customer Service
Freedom Mortgage Corporation
[redacted]
[redacted]
Phone: [redacted] or direct line [redacted]
Fax: [redacted]

[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. BUT the resolution not completed by Freedom Mortgage, till I called them again, this morning, 6/3/2016. In the response to you, they said it was completed on 5/13, but  it was not. I have spent entirely too much time with this company to resolve this issue.
Thank you Revdex.com for intervening on my behalf.
Regards,
[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

[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.

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

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], I apologize for the previous response, I had confused your complaint with another. The charges you are seeing are an error and were the result of bad data we receive when your loan transferred from your previous servicer. We are in the process of removing the charges and you should not see them on your next statement.
Sincerely
Roseanne G
Vice President Customer Service
Freedom Mortgage Corporation

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]

[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

Mr. [redacted], upon receipt of your complaint I reviewed the account. The escrow refund check was initially sent out on 5/23/16 but it seems that you never received that check. It was stopped and re-issued on 7/21/16. You should be in receipt of it within the next day or so. If not please feel free to...

email me at [redacted] and I would be happy to assist you furtherSincerely[redacted]Sr. Vice President Customer ServiceFreedom Mortgage Corporation

Complaint: [redacted]
I am rejecting this response because:  they never sent me any paperwork on the change of escrow, and [redacted]'s letters to me referred to delinquent payment and never said anything about an escrow change. This latest response from [redacted] addresses the most recent problem of the alleged late payments, not the last six months of last year when I got letters about late payments, foreclosure, and delinquency and reporting to credit unions. I had cancelled checks 10-20 days prior to when they said I was delinquent. I have only spoken to lower level agents who respond in scripted manner, and have never had a supervisor who had the power to correct problems speak to me.
Regards,
[redacted]

[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]

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

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

August 16, 2016
 
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Ms. [redacted] and Mr. [redacted]
 
Re:       Your complaint to the Revdex.com
            [redacted]
 
 
Dear Mr. and Mrs. [redacted]:
 
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 additional funds being misapplied on your account.
 
Payments are processed automatically by [redacted]. Since this is an automated process, the system is unable to read the memo line of your check. In addition, amounts paid in excess of your mortgage payment are handled differently by the automated process depending on the amount of the excess. If the amount paid is equal to 2 payments, the system will apply two full mortgage payments and will not apply anything to principal. If the amount paid is more than 1 payment but less than 2 payments, the system will apply one payment as the regular mortgage payment and the remainder to principal. If you wish to continue making payments to the designated address, I would suggest that you send an amount just under 2 full payments (i.e. $1299.00) and the payment will post $650.00 as your regular payment and 649.00 to principal.
 
Another option is to send your payment directly to Freedom Mortgage for manual processing. You may send any amount over the mortgage payment. Please send your payment to:
 
Freedom Mortgage
[redacted]
Attention: Payment Processing
 
Please complete the payment coupon on your mortgage statement. Your mortgage statement has a designated area for you to complete and direct where additional funds are to be applied. Within the payment coupon (please see lower right portion of attached mortgage statement), there is a box with the heading “Amount Due”. Within this box, there are spaces for Additional Principal, Additional Escrow and Late Charges. Just below this box is another box for the Total Amount Enclosed. Please write in the amounts in the appropriate spaces and your payment should be processed correctly going forward.
 
If you have any further questions or concerns, please do not hesitate to contact me.
 
 
Sincerely,
 
 
 
[redacted]
Assistant Vice President
Customer Service
Freedom Mortgage Corporation
[redacted]
Phone: ###-###-#### or direct line ###-###-####
Fax: ###-###-####

[redacted], my understanding is that we have been in communication and that we resolved this issue to your satisfaction. Please confirm for the Revdex.com Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation