Freedom Mortgage Corporation

Review: [redacted] harrassed my fiance and I until we either responded by email or answered his calls well after 7pm to refinance out home loan. We have only been in our home for less than one year and were unsure. Needless to say we agreed and were informed we'd pay no out of pocket costs, skip one month of mortgage and close by the end of March. Once the documents were signed we never heard from [redacted] again! I called him several times and he told me he could not help me because he was working some one else's loan and was trying to leave for the day-Good Friday. We provided all documents requested and shortly after received a letter requesting 9000.00 or 4 months worth of mortgage payments. After attempting to contact the individual on the letter [redacted] more than a handful of time for about a week, I finally got a supervisor who then stated they would call back but of course never did. However [redacted] did stating we needed to provide the 9000.00 by tomorrow 4/7/15! He stated he understood it was impossible and stated our only other option was to withdraw the loan. Had no clue what to tell us about the April payment we had not made at his, [redacted] and [redacted] request not to make as we were assured we would not need to make the payment and spent the money on our upcoming May wedding! Finally we contacted the customer service line and they stated we would need to complete a loss mitigation package-in other words a foreclosure package that we would have to apply for to keep our mortgage in good standings. The female representative could not even explain to us first time home buyers what were applying for within the packet she was sending but did say it would take her all day to explain to me about the packet so she will just send it out to me.Desired Settlement: I would like for the Revdex.com to look into the way this organization handles business. They do not return phone calls and communicate with consumers. Their workers need better training because clearly when you approach a family about refinancing something as important as a mortgage loan you would ensure they were completely qualified and the loan would be a success before you begin promising things you cannot deliver and in this case that would be a successful mortgage loan refinance. I would like a full refund of the April mortgage payment that was made as I was instructed to withhold but had to borrow the money from family to ensure it would not affect our credit as we will be looking for a more qualified organization to services our family's mortgage needs.

This company needs a complete evaluation to ensure they are operating under the most current of laws regarding home mortgages.

Business

Response:

Ms. [redacted], Upon receipt of your complaint I reviewed your file with our national underwriting manager. He advised that the underwriter had made an error on your file and the stipulations that they had required were in fact not needed. This was an human error and for that we do very much apologize. My understanding is that she personally reached out to you and explained what took place. She has reopoened the loan and is working to get the loan final approved. If you have any further issues please feel free to contact me at [redacted] and I again I do apologize for the error.Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corp?

Review: Back in January of 2014 I did a refinance of my home thru Freedom Mortgage. Before my refinance I was making payments to [redacted]. I closed on my refinance on January 28, 2014. I was told by there representative that I would not have to make my March payment because of the process of loan processing. January 29 I made my February payment. I called later in the month of February just to confirm that I didn't have to make a March payment. Their representative confirmed that I did not have to make a payment for march. Fast forward to april I start receiving letters and phone calls from [redacted] that Im behind in my payments. I tell [redacted] that according to Freedom I didn't have to make a March payment. [redacted] tells me this is false and I did have to make a payment. I contacted Freedom Mortgage. The first rep I talked to said that [redacted] was wrong and its there problem. I emailed [redacted] the representative who I talked to about the refinance. She passed my email to a David Allen who said to give him a couple of days to look into it. Its been over 3 weeks. I have received no response to any of my emails or my calls to [redacted] and I doubt that I willDesired Settlement: I just want some kind of email acknowledging that they screwed up or lied or whatever. I want them to correct this mess. If I have to pay [redacted] for any late charges I want to be compensated. Sick and tired of these big companies screwing us little guys and getting away with it cause we dont have the money to hire lawyers to make there lives hell. Just like the hell Im going thru with all these phone calls and letters from [redacted]. Ive always paid my bills on time and I take pride that I do. Times are hard and this has really really messed up a lot for me. No one should be treated this way

Business

Response:

[redacted], I have reviewed your complaint and alsi I have gone over the emails you have been exchanging with David Allen here at Freedom Mortgage. You colsed on a refinance on 1/28/14, at that time your existing loan with [redacted] was due for the 2/1/14 payment but because you closed on 1/28/14 your did NOT have to pay the Feb 2014 payemtn to [redacted]. You should have been refunded that payment by [redacted] after your loan paid off. Your new loan, which is also serviced by [redacted] had a first payment due on 3/1/14, as evidenced by your note. That is why [redacted] is calling for the March payment. David allen emailed you On May 7th asking you two questions, What happened to the payment you made on 1/29 and did you get a refund after that loan paid off. To date he has not gotten a reponse. Since we did not service the old loan and are not servicing the new loan we have no way to determine what happened to the payment you made on 1/29 without you telling us.[redacted]Vice PresidentFreedom Mortgage Corporation

Review: Freedom mortgage has incorrectly advised us on the process to obtain a mortgage and on the day of settlement. Check out their facebook page to see the negative comments on their page.. However 1st I was informed of a total of how much I would need at settlement. Everday it keeps increasing by a thousand where I was advised by the rep to get a gift loan. every day we have gotten over 5 gift loan, then she told me I can have those gifts deposits as cash.. wrong no you cant. They couldnt give us an explanation of why the amount keeps increasing.They waited for a day before closing to ask for Social Security card, Alien Card Drivers liscense, paystubs. the day of settlement they wanted more money. They advised us to closed one credit card. which hurt our scores. the Staff there were on all diff paged I spoke ith many supervisors and CEO and they all had something different to say. Freedom is very unorganized. very. staff seem incompetent. not sure of what they need to tell customers and by the facebook comments I am not the only one that got screwed over on my settlement day with no mortgage. When their reps mess up wether not getting what they are suppose to get, they dont say sorry or assume respondsibilty, they brush it under the carpet and try to push it off on the customer. NO repsect. No communication. No value in its customer

Business

Response:

[redacted], I would be happy to address your concerns however I can not locate the loan file you are referring to with the information you have provided. Can you please give me the primary borrower's name or the subject property address ?[redacted]Vice President Custoemr ServiceFreeom Mortgage Corporation

Review: I have never contacted this company for a mortgage loan. They obtained my information and have been harassing me with junk mail offers. I have asked for them to stop sending me mail and remove my address from their list. I continue to receive their mail.Desired Settlement: I would like for them to remove my address from their list and to receive no further mail and contact from this company.

Business

Response:

[redacted], I am sorry that your requests to be removed from our mailing list was not complied with. I have had you removed from the list and you should not receive any further mailings. Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

[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.]

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,

Review: I applied and was approved for a home loan with Freedom Mortgage through [redacted] as the mortgage broker on November 20, 2015. The loan ID is [redacted] My closing was scheduled for December 28, 2015. The mortgage broker assured me that they had ample time to meet the closing deadline. Two weeks after receiving the appraisal report, the underwriter from Freedom Mortgage requested repairs to be done prior to closing. The broker contacted the appraiser and he confirmed that the repairs were unnecessary and he was just noting the exterior of the home needed to be painted. With his explanation, the file was sent back to the underwriter for review along with all of the other documents they requested. Apparently the underwriter was on vacation and my file is still waiting to be reviewed. I can't understand why the file could not be reviewed by an available underwriter to meet the closing deadline. I missed the December 28 closing date and the seller granted me an extension for January 8, 2016. The title company just informed me that they have not received any closing documents from the lender and as a result can not close on January 8. I had to pay rent for January after I told my landlord I would be out by the end of December. This delay has caused me financial stress and emotional discomfort. I am highly disappointed with this lender and their lack of urgency to close loans. At this point, I am considering another lender.Desired Settlement: I desire for the lending company to give me an additional lender's credit to compensate for rent paid for January and the appraisal report (estimated $1,000 in value). I also desire that they expedite the review of my file so we can close early next week.

Business

Response:

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 departmentSincerely[redacted]

Review: Freedom Mortgage failed to notify me of a change in the escrow amount other than the monthly statement. I was out of town when the bill was received and the payment was due, but my autopay system at my bank made the scheduled payment. They refused to apply the payment of all of the principle and interest just because a small portion of the payment was missing. Now they want to charge a late charge that is more than the shortage. I am willing to pay a reasonable late charge but when the difference was $45 and the late charge is $72 there is something wrong. I requested a removal of the late charge and they refused. I was tricked into this mortgage in that the broker assured me multiple times that I was refinancing my VA loan with [redacted] with whom I have a great relationship. They keep changing the mailing address. And overall, in the less than a year I've been with them? Their customer service sucks.Desired Settlement: Request the late charge be removed. I am willing to pay a reasonable late charge on the $45 that was late as long as you credit my mortgage payment to when it was actually received. And I am requesting a cancellation and refund of my escrow account. I can pay my house insurance and tax payments myself. And then my payments won't change and this will no longer be an issue until you change the load service address again.

Business

Response:

Dear Mrs. [redacted],I am approving the waiver of the late charge. I apologize for your frustration in this regard. You account had been analyzed and I show that the analysis statement was mailed to you but it would appear that did not get it in time to change your autodraft. The servicing system can not post anything other than a full payment and that is why they could not post the one that was short by 45.00. The payment has since posted and your account is in good standing. At this time we can not remove the escrow account from your VA loan. [redacted]Vice PresidentFreedom Mortgage Corp

Consumer

Response:

[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.]

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,

Review: Bad Faith: Freedom Mortgage exercised bad faith by approving my home mortgage loan, but then failing to complete it when interest rates rose. Freedom Loan Number: [redacted] Evidence of Bad Faith: 1. Despite answering each and every question and request for information timely and completely, Freedom did continue for over two months to ask for additional documentation, clarification, and letters of explanation. During this period, they repeatedly charged lock fees to preserve my rate of 3.25%, until it made no economic sense to continue with the loan. 2. I am fully qualified, with adequate income and no long-term debt. The loan value was less than 50% of the purchase price. The property appraised above the purchase price. In fact, after switching to a different lender, my loan was completed and funded in 20 days. 3. Freedom made frivolous requests for information. As a specific example, they asked for a letter explaining a transfer of $1,000 from my own savings account to my own checking account. 3. Freedom made repetitive requests for the same information. As a specific example, they asked for verification of my rent payments on two separate occasions. They also asked for a letter explaining my alimony and child support circumstances on two separate occasions. 4. Freedom took unreasonably long to examine documents supplied. As a specific example, I supplied statements for my [redacted] account on Nov 14, 2013, and on Jan 4, 2014 they requested additional details for that account. Damages: As a result of Freedom's failure to complete the loan, I was forced to switch lenders when rates had risen from 3.25% to 3.5%. I also paid $450 for an appraisal that was not needed. I am escalating this complaint to Freedom Corporate Headquarters because the field office in [redacted] has, not surprisingly, failed to respond.Desired Settlement: My desired outcome 1. I want a refund of the $450 unnecessary appraisal fee. 2. I'm paying $50.93 more per month because I had to finance at 3.5% instead of 3.25%. I expect to hold this loan for 7 years, and the present value of that extra amount, discounted at 3.25%, is $3,821.88. I want this $3,821.88 refunded to me. 3. I want a letter from Freedom explaining why they handled the loan the way they did.

Business

Response:

Mr. [redacted] upon receipt of your complaint I asked our underwriting manager to review the file that was submitted to us by your broker. It appears that the broker submitted the required documentation in a piecemeal manner. Each time it was submitted to underwriting we had to go back to the broker for more information or an explanation of what had been submitted, this file was reviewed by underwriting 6 different times after the initial review. Each time there was missing information or only partial responses to requests for information. We can only review what we are given and then ask for what ever additonal information is needed. We kept this file open until 1/13/14 when your broker called in and advised us to cancel the file, he gave no other reason as to why. The loan was still locked and the interest rate at that point was 3.375. In light of your complaint I will be refunding to you the appraisal fee but that will be the extent of the compensation we are prepared to offer in light of the incomplete submission on your behalf by your broker. [redacted]

Review: [redacted] claimed he was from [redacted] offering a better refinance rate so we refinanced our home. He said Freedom Mortgage was their affiliate. They paid off [redacted] at $121,108.61 and created a new mortgage with Freedom Mortgage of $123,557. The escrow balance was electronically sent to Freedom Mortgage on Aug. 18 in the amount of $1,582.47 and accepted to be put in a new escrow account for us. However, Freedom Mortgage claims it never received it and has skirted the issue with us and not produced the money.Desired Settlement: We want the money returned to us in cash at this point. The undue stress is far beyond what any disabled veteran should have to put up with. As soon as this issue is resolved we plan on taking action to take the mortgage out of their hands. This company is not fit to do business. It lies to people to get them to switch. We want to go back to [redacted]! We want our $1,582.47 back!

Review: We have written several times requesting they stop sending us the offers to refinance and requests for military orders as part of the Service Members' Civil Relief Act as we do not qualify. They repeatedly refuse and then tell us they have to send the information to those who are behind on their payments. Which we are not. They completely disregard the wishes of their customers. They cannot get our statements correct when we make an extra payment. We are allowed to opt out of offers and other correspondence with other companies but not this one.Desired Settlement: We would like all correspondence other than our monthly mortgage statement, tax, and escrow information to cease. We are not interested and since we have contacted them so many times we find it harassing. We are hoping that you can get the situation resolved. According to their website they are an A+ with the Revdex.com. Frankly, this is the worst company we have ever dealt with on a mortgage. We want to save others the heartache of dealing with this company. Thank you in advance. [redacted]

Business

Response:

Mr. [redacted],I apologize if you wish to be removed from marketing calls/mailings and other unrequested contacts was not handled more quickly. I have confirmed that you will only be sent your monthly statements and no other marketing correspondence.Sincerely,[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

As long as we do not receive further unwanted offers.

Regards,

Review: I contacted the company regards issues with their payment processing and lateness. I refinanced 4 months ago, and ever since I have had problems with the company processing my payments late. They are sent in with plenty of time to be 'on-time', but seem to disappear in route. I have had to make 2 over-the-phone payments, and have had to pay banking fees twice to stop-payments on checks I have sent in that were lost or misplaced.

Now, I contacted the company on 05/18/15 to discuss this problem, and converted my account to a direct debit each month. I was told then that the $85.58 late fee would be removed; it was not. I received a bill for the fee this month around 05/25/15, and contacted customer service at ###-###-####. They told me there was nothing they could do about the fee, and I should email [redacted] so I did. After 3 emails and no response, I call the customer service number again. I was told AGAIN that there is nothing they could do about it, and to email customercare again, but they would 'probably not do anything about it since your payment was late'. I believe I am being fleeced for business practices that are not my problem. Further, the rude and blase customer service department is inept, does not care and is unhelpful!Desired Settlement: I want the fee removed, and my account brought up to date. I have never had this problem before in 2 years until I refinanced and my loan began being serviced by [redacted] via Freedom Mortgage.

Business

Response:

Mr. [redacted], I do apologize for the issue you had with the payment posting. We have waived the late charge and will review why your requests for this went unanswered.Sincerely,[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

[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.]

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,

Review: I spent over half an hour with Customer service asking for assistance re: login issues to the website to access my account information.

Several times the rep told me that her manager informed her that my logon issues were related to firewall issues at my location.

I tried several times to explain that a firewall issue would generally result in a 404 web page.

When I asked for someone to call me back I was put on hold yet again - when the rep resturned she then tells that her manager

had now informed her that there were "sporadic issues".... again I asked for someone from IT/Web support to call me back.

The rep then transfered me to the manager who aked me "How can I assist you?" - I asked if he was joking as his tone was very sarcastic.

I asked him if the rep had relayed the issues that I was having and he said yes. So I asked him if he was joking and again he sarcasticly answered

"How can I assist you?". I asked for his name - he told me it was [redacted].

At that point I simply said Thank You and hung up the phone.Desired Settlement: I would like an apology from the cust serv manager. I would never handle a call in that manner.

I would repeat the issue that was reported to me and confirm a # where I could be reached when the system was back online.

Business

Response:

Mr. [redacted], Upon receipt of your complaint I reached out to our servicing department and asked them to review the call and also reach out to you and apologize and assist as needed. They made contact with you on the 20th and apologized and advised that issue would be addressed directly with the employee with whom you spoke. You advised that it was not a good time for you to take the call so the Manager provided you with his contact information should you need further assistance. PLease let me know if you need any further assistance at this time[redacted]Vice President Customer ServiceFreedom Mortgage Corporation?

Consumer

Response:

[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.]

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,

Review: I refinanced my townhouse and the papers clearly states the insurance would now be paid through the escrow.

I have now received notice of cancellation because it hasn't been paid. The insurance company has no record of the new mortgage company being responsible for payment, again, the paperwork states they are responsible.

When trying to call and talk to someone there is no human operator or customer service representative to help resolve matters such as this. Just endless phone menus that dead end into 'information not available'.

I believe this is an attempt to force me into their version of an overpriced mandated insurance policy. Reading reports of this company it seems to be a habit with them, to let policies expire so as to insert their own policy

I'll have to pay for this out of my own pocket to prevent cancellation and then will have to check to make sure my taxes have been paid. It's apparent they can't be trusted to keep their side of the agreement from where I'm standing.

I was ripped off by [redacted] in the same manner and will not stand for it again.Desired Settlement: After I pay this out of my pocket, essentially paying twice,I want my money back, not an adjustment to my escrow or any other fake restitution.

Business

Response:

Mr. [redacted], Upon receipt of your complaint I reviewed the escrow history on your account. For some reason the escrow for the hazard insurance was not set up properly. That has since been corrected. The servicing center analyzed the account and refunded you 84.63. The reason that it was not more money was because the money that should have been going into escrow for the insurance was actually posting as additional principal payments. I would need your authorization to reverse some of those payments in order to issue you a further refund. Additionally you were issued an escrow refund in June in the amount of 138.87. This refund occured because the system was not collecting for the insurance and in effect you recieved a partial refund for the insurance premium. PLease email me is you would like any of the principal payments reversed. I can be reaced at [redacted]Respectfully[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

[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.]

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,

Review: I paid off a loan with Freedom Mortgage in April 2014. The remaining escrow balance that is owed to me is $1,310.74. The money was sent to [redacted] prior to the closing and has been sent back to Freedom. I have called approximately 30 times to get the monies owed to me. I was informed in July that a check was mailed and that I have to wait 30 days for it to arrive. I'm not aware of any address worldwide that it takes 30 days. I waited 30 days and called for a check re-issue and was told that I have to wait an additional 10 days for them to confirm that it was not received and cashed before they could stop payment on the check. After the 10 days I called again and still cannot get any information as to when the check would be re-issued. I have been very patient and it has been 5 months with no resolve. The only people that you can speak to are there customer service answering service. If I would have failed to pay my mortgage I would have been assessed charges and penalties. They owe me and I should not have to wait this long on my refund.Desired Settlement: I would like my $1.310.74 refunded and the check sent the fastest mailing option (overnight). In addition I feel that an apology is needed for this horrible customer service.

Business

Response:

Mr. [redacted], I do apologize for the frustration you experienced regarding your escrow refund check. As you are aware I communicated with you via email and the funds were located and a new check was issued. You confirmed receipt on 9/16/14. Please let me know if I can be of any further assistance[redacted]Freedom Mortgage Corporation

Consumer

Response:

[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.]

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,

Review: I recently re-financed my loan and this is the company the services it. I have ACH monthly taken out for my mortgage. Recently I noticed that my mortgage had increased $39 from the previous months. I decided to call to ask someone more in depth about this occurrence. Upon trying to contact this company I found that they had the worst customer service I had ever encountered. I was put on hold several times and could never get an answer as to why this increase took place. I had to call over 7 times and waited on hold for roughly an hour. This company is terrible to deal with.

Come to find out, they did not take enough at closing to cover the insurance and/or escrow so my payment increased. I would steer very clear of having this company service your mortgage.Desired Settlement: I would like another mortgage company to handle this mortgage!!!!! I recently had [redacted] and they were great, no problems what so ever.

Business

Response:

Mr. [redacted], I am sorry that you had a frustrating esperience with our servicing complany. I took a look at your escrow account and what appears to have happened here is that the title company advised that your taxes were to be paid in June and January when in fact they need to be paid in May and December. Because of the differences in the disbursements dates funds would be short one month when the payments were to be made, additionally your insurance company sent a bill in the amount of 48.00 which needed to be paid. This was an unexpected disbursement which added to the shortage. The total shortage on the account is 422.80. Because the shortage was a result of a miscalculation on the part of the title company I will be sending 422.80 to your escrow account to remove the shortage. I hope this meets with your approval

Please let me know if there is anything else I can do for you

Vice President Customer Service

Freedom Mortgage Corporation

Consumer

Response:

[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.]

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,

Review: In August I contact them about a Sliding Loan. After running a credit report, going over my finances and filling out the initial paperwork, I was told I qualified. I was also told if I sent in the requried information we could close on September 15th. I have sent everything they have asked for and then some. They keep asking for more and more information. Then they claim they didn't receive it, dispite having fax confirmations. They don't return phone calls. Eventually, I missed the deadline for the second closing date in October. They assured me that they would extend it as they admitted they dragged their feet. Today, I received notification I missed the deadline and they would not honor the extention. They said I had to start over again. This company has been horrible to work with. They do not follow through in a timely manner and communication with them is next to impossible. I am very disappointed.Desired Settlement: I would like to close in 2 weeks per the terms of the initial agreement and settlement costs.

Business

Response:

[redacted], upon receipt of your complaint I reviewed the

application. The file was only received on 10/23 and only able to be moved to

processing on 11/9. From what I can see they have been moving the loan forward

in a timely manner and you have been providing what has been asked as well. There

was previous application that was closed for incompleteness and then this file

was opened but this file seems to be on track with the processor talking with

you and obtaining what is needed. If you have any additional concerns please

feel free to email me at [redacted]Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Review: I borrowed a renovation loan for a HUD foreclosed property which turned out to be built on a landfill. The soil is contaminated and I am trying to get mitigate this issue with the county and State of Maryland.

I no longer need the renovation loan because the site cannot be used for habitation. I have relayed this information with supporting documents to Freedom Mortgage.

When you call the customer service they tell you it's none of their business and have no knowledge of the renovation loan I have through the same company.

It's painful because Freedom Mortgage's systems are not consolidated so the customer service folks give you different information and at the end of the day my problem about taking off the renovation loan that I am not using has become a nightmare trying to reach anyone to talk to at this company.Desired Settlement: Modification of the loan I borrowed because why should I be paying money on a loan/site that I can never live in. I am writing for Freedom Mortgage to be truthful and update their computers that way someone can tell me they know this case is being worked on rather than being thrown about.

Thank you[redacted]

Business

Response:

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]

If you can help it DO NOT DO BUSINESS WITH THIS COMPANY. I have been a customer for almost two years and I have been asking repeatedly for a Tax reevaluation for 5 months now and I have not gotten any response from the Tax department. Every time I contact them, they request the same thing I have sent them, my tax bill.
My mortgage has gone up by over $1000 per month. The reason: The Tax calculated is based on last year tax bill. I supplied them with a bill from the county and THEY JUST PAID half the amount of taxes recently. They have all the evidence and I have been getting the run-around from your customer service department. I am unemployed and trying my best to keep up with my house payment and not defaulting on my loan.
However, I cannot get a single Manager to talk to me or call me back. All I get every time I call is excuses and lack of initiative from burned-out customer service representatives. I am extremely frustrated and need your help PLEASE.
The service is horrible. The people are terrible and there lack of initiative might cause some folks to go the foreclosure way. If you have a choice in the matter, STAY CLEAR.
WHY? THEY OUTSOURCED THEIR CUSTOMER SERVICE TO A HORRIBLE PROVIDER. They are so cheap. I wouldn't wish them on my worst enemy.

Review: I have been trying to pay my mortage online for 2 days. Their online system insits I rest my passord each month, but it will no allow me to reuse passwords. After 5 months and 12 passwords, the system now will not recognize the answers to my security questions. Thus, on 3-10-15 I was locked out after customer servie hours. I called first thing on the mourning of the 11th. irequested the old PWs be cleared so I could rreset using a PW I could remember. I was told this was not possile and the agent then stated he had reset my PW. I asked to speak with a manager and was disconnected. I then called again. The next agent said she ccould delete m regitration and this would clear the old PWs. I would then need to reregister. I returned home and again tried to pay my mortgage, I tried to reregister but was infored I was alread registered. I again tried to log in, was denied and requested a PW reset. This time I did not even receive a pw reset email . I cannot get in. I then tried to pay over the phone but did not feel I should pay a $10 fee beacause of their errors.Desired Settlement: I would like to be able to access my avvount online as this is an accepted form of payment per their website. I also want 24 hours of accrued interest reimbursed as y inability to pay is due to multiple errors in their system. I would like some tye of guarantee that this will not keep happening.

Business

Response:

Ms. [redacted] upon receipt of your complaint I asked our servicing cetner to reach out to you and assist you with the issues you were having with the website. They did so and assisted you with resetting your password and you were able to able to log on and make you payment. PLease let me know if there is anything further that you need[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Consumer

Response:

Review: [redacted]

I am rejecting this response because: the issue has not been resolved. I had to call again to get into the system to pay the mortgage this month (April). The representative was rude and informed me I did not enroll into the system the past 7 months although I had paid my loan through the system. I was also denied acces to a supervisor when requested. She called me rude and told me it was my fault. I have no reassurance this will not continue throught the life of my loan. I make $47 per hour and spend 20 minutes each month on the phone so I can pay my mrtgage. If you cannot fix your system I should at least be compensated for my time. Please note, interest rates have just dropped again. I hate the idea of going through the paperwork to refinance however I do not see any other way to pay my morgage conveniently accept to go through another bank.

Regards,

Business

Response:

Ms. [redacted] I am sorry that you feel that the issue is not resloved. We have made repeated attempts to contact you in regards to this problem but have had to leave messages. Most people do not have the issues that you are having so please return the phone calls from our associates so they can further assist you[redacted] Freedom Mortgage Corporation

Review: I am a >30% disabled combat veteran who requested a refund via the [redacted] for my ** Funding Fee, which was in the amount of $5,500.00. The ** approved the refund, and sent the refund to my loaner, [redacted], in March of 2015. [redacted] then sent the check to Freedom Mortgage, my Mortgage company, in March of 2015. The transfer did not go through, and on June 9th, the transfer was sent again. Since June 9th, Freedom Mortgage has not credited my Mortgage the $5,500.00 that was sent to them. I have since refinanced the original mortgage, and have not received any reimbursement of the amount owed to me. I correspond with the loan servicer daily, and Freedom Mortgage has provided no updates to me or the Loan Servicing Company since I contacting them on or about the 15th of June.Desired Settlement: I would like the money to be either credited to my new loan # as a principle payment, or sent to me via check so that I can apply it as a principle payment to may loan. The interest accrued on that amount since March of 2014 when the loan was initiated should be credited to me as a lump sum payment. I would like a senior representative to contact me daily via e-mail providing a detailed description of activities done to repair this issue.

Business

Response:

Mr. [redacted],Upon receipt of your complaint I realized that I was already working on your issue. It seems that the funds were sent to our sub-servicer, who was you prior servicer. They in turn sent it back to us but because we had no information on what to do with it and what loan it was to go to we sent it back. I was able to find the funds and have them sent back to us and they have since been applied to your current loan as a principal reduction. please let me know if I can be of any further assistanceSincerely,[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Review: Hello my name is [redacted] and I am submitting this complaint on behalf of my husband [redacted] at the time that this loan was with freedom mortagage and has been brought to out attention that freedom mortgage didnot complete the yearly escrow anaylis. and because they lacked to do such our escrow account is now short and now our new lender([redacted]) is stating that we are short 3,039. my husband pays the mortage on every month on time, But due to the extra fees that have been attached to the mortage payments so they can recover the shortage in the escrow account ang becuse my husband is only paying the amount that he is suppose to pay that is indicated in his FHA contract which is 1214.20, they now put is payments in a suspended account until he pays what [redacted] states he has to pay which is 1585 a monthDesired Settlement: I want the Revdex.com to launch a full investagation in regards to my husband escrow shortage

Business

Response:

September 10 2015 [redacted] Re: Your Complaint to the Revdex.com Dear Mr. and Mrs. [redacted]

We are in receipt of your complaint and are happy to respondto your concerns. Upon receipt of your complaint I asked sub-servicer,[redacted] to review your escrow account. [redacted] manages the day today servicing activities on our loans so they are best able to review andaddress the situation. They advised that they had made a disbursement for yourtaxes in August of 2012 in the amount of $2400.34 for your school taxes; a copyof the check is attached. It seems that the taxes had also been paid on the HUDbut in a different amount, $2452.33. [redacted] was made aware of the duplicatepayment and they opened a research request with the tax office in order toobtain a refund of their payment. Because the refund could take a few monthsand the loan was scheduled to have it’s first escrow analysis, they put a holdon the analysis so that you would not get impacted by an escrow shortage thatwas not valid. The hold remained on the loan when the loan was transferred to [redacted] since the refund had not been received as of that date.To see what became of the funds, I emailed the title co who advised that theirpayment was reissued for the corrected amount of $2400.34 and that paymentcleared. The balance that was collected at closing was sent to us for your escrowaccount. We have reached out to the tax office and over the last few weeks haveleft messages requesting a return call to see what became of the duplicatepayment but they have not returned our calls. They are only open Monday,Tuesday and Wednesday from 9AM until 12PM. We will continue to call until wecontact someone who can advise what happened to the extra payment. In themeantime I reached out to [redacted] to ask if they would be open to extendingthe timeframe for the repayment of the shortage. They advised that if yousubmit a written request they would review to extend the timeframe forcollecting the escrow shortage. If you have any further questions or concerns, please do nothesitate to contact me. Sincerely, [redacted]Vice President Customer ServiceFreedom Mortgage[redacted]###-###-####