Freedom Mortgage Corporation

Ms. [redacted], I do apologize for the issues you are having with your account. I asked the cash department to review and they advised that the payment had been misapplied. They corrected the mistake and applied the payment with an effective date for when it was initially received and made sure...

that any late fees  were waived. If you have any issued going forward please feel free to reach out to me at [redacted]
*Sincerely
[redacted]
Vice President Customer Service
Freedom Mortgage Corporation

Ms. [redacted], thank you for letting us know about the issues you are having with the website. The website is actually very rarely down but some people do experience log in problems and that is something that we are working to improve. If you have website issues and have to call in to make the payment...

the representatives should be assisting you with the website and then waiving the phone payment fee. If that has not occurred I will refund those fees. As for the processing of payments. Payment post the day that they are received at the lock box. We do not outsource the posting of the payment, rather they are done at our bank. The delay you may be seeing is most likely due to postal mail time or if the payment had to be processed manually due to missing the loan number or damage to the check itselfSincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Ms. [redacted], I apologize that the fee was not refunded. I specifically requested this but it seems that the person to whom I sent this request was out and did not see my email. We will be refunding the fee to you. Please allow about 15 business days to receive the refund

To give you an idea of how incompetant this company is, when they transfrerred the servicing of my loan to a diffrent servicer, they did not give them the correct balances. About 40 days after the transfer letter saying all payments should be sent to the new servicer, Freedom began calling saying I was late and asking for payment. The poor CSR's who were calling had no idea the loan was being transfered. One of them said, "I'm embarrased for us". To correct the balances issues, Freedom reversed payments I had made and had the new servicer post them 3 months later. I'll be fighting that.
If you use this company, become familiar with how to write a RESPA letter.
My gut tells me they've grown too fast.

Since June 2015 I have been trying to resolve this problem with Freedom Mortgage. Each month I am told that my mortgage has not been paid. I have sent them copies of the checks and they constantly put my checks into uncategorized or all towards principle for the previous month. They continue to add on late fees. I have spent countless hours on the phone explaining their mistake and they still cannot get my payments right. I have lost total confidence in them keeping up with my loan. I can't trust that they are charging me the correct amount. They sent me a check for overpayment of escrow and at the same time they are telling me that I owe them money for the escrow. I sent them the money they said to send to them and still they cannot resolve the problem. I have written letters but have not gotten a response.

September 14, 2016   Dear Ms. [redacted]: To answer your questions: Your payment is currently due for August 1, 2016. The payment amount due is $946.41 which includes a late charge of $36.40.  You will owe the $184.11 that was taken from escrow but that will resolved when you escrow account is re-analyzed. There are several other factors involved during the re-analyzation of the escrow account and normally any shortage can be spread over 12 months. Unfortunately, we are unable to amend your credit. Thank you. Very truly yours,   Joseph P Assistant Vice President

Complaint: [redacted]
I am rejecting this response because:
I am not necessarily rejecting the response do you have a fax number to where I can fax my bank statements to you?
Regards,
[redacted]

I am a customer of Freedom Mortgage and have enjoyed the loan servicing aspect of Freedom Mortgage. Their sales group if there is one is annoying. For quite some time now, I have been bombarded with phones calls, even at work, letters and emails regarding refinancing with a new FHA loan. I have constantlu ask them to stop calling me about this since I have no desire to refinance my FHA loan knowing that the mortage insurance would be for the life of the loan. I do not know what kickback Freedom Mortgage gets but they can not take no for an answer. I am contemplating contacting my attorney regarding the constant harassment. At what point can not interested mean not interested?

Mr. [redacted], upon receipt of your complaint I reviewed the payment history. The reporting appears to have been in error and we have submitted corrections to the credit bureaus. The status will update for the next reporting cycle.
Sincerely
[redacted]...

[redacted]Vice President Customer Service
Freedom Mortgage Corporation

Complaint: [redacted]
I am rejecting this response because:
I am waiting for documents from my bank to prove that payment was made on time.
Regards,
[redacted]

Dear Ms. [redacted], upon receipt of your complaint I asked our servicing transfer department to review your concerns. They reviewed and on 2/26/16 confirmed that the payment plus the additional principal had been received by [redacted] and should be being applied. Your loan was released off of our...

system on 3/1/16. I apologize for the confusion regarding the payments. Please let me know if I can be of any further assistance 
Sincerely
Roseanne G
Vice President Customer Service
Freedom mortgage Corporation

August 10, 2016     Ms. [redacted] and Mr. [redacted]     Re:       Your complaint to the Revdex.com   Dear Ms. [redacted] and 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 issues regarding your pay-off of your mortgage.   We did receive pay-off funds on July 1, 2016 but the amount was insufficient to pay off the loan. The pay-off amount was $277.54 short. We tried numerous times to contact the title company for resolution. We did eventually get in touch with the title company and the remaining funds were received on August 2, 2016. Your loan is now reflecting zero balance.   In addition, reporting to the credit bureau will not reflect an adverse credit rateing for the July, 2016 payment.   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: ###-###-####

Mr. [redacted] I apologize, I forgot to address that portion of your complaint. The November payment was reported as delinquent because we did not apply it due to us not seeing that your had paid the shortage and therefore when you sent the payment the system believed it to be a short payment. We submitted a correction to the credit bureaus to report November as current and paid as agreed. This will update with the next reporting cycle. I apologize that this situation has caused you distress.
Sincerely
Roseanne G
Vice President Customer Service
Freedom Mortgage Corporation

Ms. [redacted] I am sorry that you had difficulty with the handling of you application. I will review the file and also see where the communication broker down. We are not a fraud or scam and we close 1000's of loans a month, the vast majority with no issues so we take your experience very...

seriously and will make sure that it is not repeated. Thank you for bringing this to our attention Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Ms. [redacted], Upon receipt of your complaint I reviewed the application
history. The file was in process for more than the usual amount of time. The
loan was a credit qualifying streamline as you were removing a co-borrower and
adding a spouse but it should not have taken as long as it did. We...

will be
reviewing the handling of the file in depth. I do apologize for what has been a
frustrating experience. At this time the file has been final approved and is
with our scheduling department. It is my understanding that you have declined
to schedule a closing and want to withdraw (based on communications you had
with [redacted]. IN your complaint you ask for the loan to be closed and the
credit inquiries removed. I have had letters sent to the bureaus to remove the
credit inquires but am not clear by what you mean by closed. Do you mean you
want the cancel and withdraw or do you want the loan to go to closing ? Please let
me know, my email address is [redacted]  Sincerely [redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Mr [redacted], I do apologize that your request to pay the taxes was not responded to sooner. We were initially not aware of the supplemental bill that you were billed as a result of home improvements. We have contacted the tax office and obtained the amount needed to pay the bill. Any penalty or...

interest will not be taken from your escrow account. SincerelyRoseanne [redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Complaint: [redacted]
I am rejecting this response because: I appreciate your thorough response. I was never presented with a summary of transaction to show lender credits, but I consider the first matter a moot point - I am no longer interested in this option due to my experience. I will consider the matter of the insurance payment closed when I receive the final distribution owed to me. Thank you, 
Regards,
[redacted]

Dear Mr. [redacted]
 

size="3">We are in receipt of your complaint and we are happy to address your concerns.
 
Upon receipt of your complaint I asked the cash department to review your account and the bank statement provided. They advised that they were able to locate the funds and have since applied it to your loan. Late charges have been waived and any negative credit reporting will be removed.
Sincerely
[redacted]
Vice President Customer Service Freedom Mortgage Corporation

Ms. [redacted], upon receipt of your complaint I reviewed your account. It seems that your bill pay service was mailing the check after the 10th of the month, that leaves little room for any issues with the postal service. I do apologize that you have been frustrated by this situation but there is no...

attempt to force you to pay late charges nor do we wish to have any negative impact on your credit. You have not been reported deliquient and the one late charge that was assessed has been waived. Please let me know if there is anything further that I can do for you.Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Mr. [redacted], upon receipt of your complaint I asked the servicing department to review your concerns. It seems that the payments in question had been sent to Loancare Servicing by your bank ( that was the previous servicing company) Loancare located the payments and are forwarding them to you....

We have blocked credit reporting and waived late fees plus a property inspection fee. Please let me know if we can do anything else for you at this time. 
Sincerely
[redacted]
Sr. Vice President Customer Service
Freedom Mortgage Corporation