Freedom Mortgage Corporation

Complaint: [redacted] I am rejecting this response because:I have no communication with Freedom Mortgage as to if a price increase or decrease of any kind has been made and or a monthly client summary of my account paymentsThis can cause a non receipt of a check, which would put me in arrears with them without my knowledge, impact my credit rating and accumulate late or lack of payment Fees by Freedom Mortgage to be collected latter with accumulated interest.I spoke with a [redacted] , 07/15/a Service Rep for Freedom Mortgage and she could only repeat with what was stated in notification of the status with this claim and no further.I again ask for a "Client Summary" of my account so that I have confirmation of its status, which is permissible and allowed under Chapter legalitiesThe response was basically no comment, she was nothing more than a "Client Monitor" for Freedom Mortgage.I m currently paying a firm now @$monthly for a over a year now without any form of "Client Summary" or status of the account, yet I would be liable and penalized in the future with possible interest or late fees uncollected and escrow not collected during my Chapter payment period Regards, [redacted]

Ms [redacted] has worked directly with Freedom and the issue has been rectified [redacted] Freedom Mortgage Corporation

Ms [redacted] , due to the fact that your account is in Bankruptcy you will have to communicate to our servicing center via your bankruptcy attorneyDirect communication between us as the lender and your as the debtor is not permitted as it would be a violation of the stay

Mr [redacted] I do apologize for the delay in paying your taxes, the account was set up incorrectly and that is why the taxes were not paid automatically, the data has been corrected and there should be no further issues going forwardThe tax department advised me that the check was sent out for the taxes on 3/15/and sent to the county for processingFreedom Mortgage paid the penaltiesPlease let me know if there is anything further I can assist you withSincerelyRoseanne [redacted] Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, my associate spoke with you at PM your time yesterday as I told you he wouldYou told him that the current issue was a principal payment that you made was in suspense and not applied for a period of timeThe payment was made on 12/24/but was not applied until 1/4/When it was applied, in order to give you proper credit for the reduction in interest, it was applied with an effective date of 12/24/Please let me know if you have any further concerns.Roseanne GVice President Customer ServiceFreedom Mortgage Corporation

Ms [redacted] I do apologize for the frustration you experienced with getting the past due tax bill paidI reviewed your account and the bill was paid on 2/12/Any penalty was billed to our tax service as they did not pick up the open bill and that is what caused it to be paid latePlease let me know if there is anything further I can do for you [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 meThe timing of selling/transferring my loan was not in the best interest of myself or the mortgage companiesIt resulted in ongoing issuesThe taxes were paid on the last possible payment date to allow qualification for tax reliefThe taxes were paid in 2016, therefore, I was not allowed to claim them on my tax filing with the IRS although I paid them into my escrow account during The communication process with Freedom Mortgage was difficultI would like to know that should there be future items of concern with my mortgage that items of concern can be acknowledged and escalated if necessary for a timely solution to be implementedI would like to thank the Revdex.com for assisting me with this matterThere are still consequences that I will need to deal with during and I am trying to determine if an escrow account with Freedom Mirtgage is in my best interest Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: First of all I requested on November 8th that a senior management individual from Freedom Mortgage call me to discuss the situation I have yet to receive a call I have not yet received the following from Freedom Mortgage: First of all an in-depth root cause analysis as to why this situation occurred and what procedural changes will be instituted at Freedom Mortgage to rectify this situation in the futureSecond of all, Freedom Mortgage pulled a credit report through [redacted] and now the hard inquiry shows on my credit report The options that will be satisfactory to me are as follows: Freedom Mortgage honors the original contract and closes my mortgage by November 15th Freedom Mortgage has the hard inquiry on my credit report withdrawn by November 15th In regard to other mortgage products how can I as a consumer continue to work with Freedom Mortgage when they are unwilling and/or unable to determine the root cause for the current issue and how that will not happen again in the future? I have received no official documented notification from Freedom Mortgage of this problem, any available options to me or recourse available to me I do not understand why there is such an unwillingness of Freedom Mortgage to discuss the issue and provide resolution Due to no fault of my own, I have lost days of time and the ability to refinance my mortgage at a historically low rate How will Freedom Mortgage resolve this situation please? On November 8th I also asked for the contact information for the legal department at Freedom Mortgage I have yet to receive this information Thank you Regards, [redacted]

August 11, Roman" size="3"> [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 automatic withdrawalI have confirmed that we have returned the sum of $ [redacted] to your bank on August 9, The funds may not available in your account on that date as it is up to your bank to release the funds back to you 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]

We were doing a streamline refinance with Freedom since they hold our mortgage We have been contacted continually by other lenders attempting to have us refi with themAfter over days our refi was still in limbo with no one knowing what the hold up was The processor had no idea why there was a delay and the Assistant VP of Sales was just plain rudeOur file was closed for no reason and were told we would need to just repoen the file We chose to go with another lenderCustomer service and simple business practices are very poor with Freedom There is poor internal communication and no communication with customersI wish that a truly competent authority with that organization could tell me who dropped the ball on my loan and why

Mr***, upon receipt of your complaint I asked our compliance group to pull and review the call you had with [redacted] ***The call took place on 2/24/at 7:PMFourteen minutes into the call the loan officer told you that "during the process, we would pull your credit to make sure there are no liens or judgments on the propertyWould I have permission to pull your credit" You responded "yes"The Loan Officer then asked for your social security number and date of birth, which you providedYou did not mention that you did not want your credit pulled until after you saw the paperworkThe loan officer did have authority to pull creditAt this time your application is still openCan you advise if you are proceeding or cancelling and I will review for the removal of the inquiry as a courtesy Sincerely [redacted] Vice President Customer Service Freedom Mortgage Corporation

Complaint: [redacted] I am rejecting this response because: I request Roseanne call me and email me directly as indicated in my complaintI have been on the phone with supervisor Brandon B almost weekly since I submitted this complain and still have not come to an acceptable resolution as to what happened regarding this account Regards, [redacted] ***

Ms [redacted] , you can contact me directly [redacted] Vice President Customer ServiceFreedom Mortgage Corporation [redacted] Email: [redacted] [redacted] @freedommortgage.com

This company is a bad company I recently had a building burn down with dogs inside of it When the insurance company wrote the check for the separate building that I had purchased that had nothing to do with my mortgage, it had freedom mortgage on the check I sent the check to freedom mortgage to be endorsed and returned, I figured no big deal They are refusing to return my fundsI have a certificate of ownership for the building, it was a portable building and it had nothing to do with them so if you ever deal with this company, beware They will try to rip you off at every turn

Dear Ms***, upon receipt of your complaint I asked our servicing transfer department to review your concernsThey reviewed and on 2/26/confirmed that the payment plus the additional principal had been received by [redacted] and should be being appliedYour loan was released off of our system on 3/1/I apologize for the confusion regarding the paymentsPlease let me know if I can be of any further assistance SincerelyRoseanne GVice President Customer ServiceFreedom mortgage Corporation

September 7, Roman" size="3"> Mr [redacted] and Mrs [redacted] , SC Re: Your complaint to the Revdex.com Dear Mrand Mrs [redacted] : 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 appraisal refund The check for the refund of the appraisal was issued on September 6, Please allow 5-business days for deliveryI have attached a copy of the check for your records 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] , PA

Ms [redacted] , I apologize that the fee was not refundedI specifically requested this but it seems that the person to whom I sent this request was out and did not see my emailWe will be refunding the fee to youPlease allow about business days to receive the refund

October 20, Roman" size="3"> Mr [redacted] and Mrs [redacted] Re: Your complaint to the Revdex.com Dear Mrand Mrs [redacted] 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 payment made on your previous mortgage Unfortunately, when you requested the reversal of your payment, the pay-off we used already had the payment included in the figuresOur Operations Department should have waited for the payment reversal and then requested a new pay-offAs the pay-off was used with the payment made, we needed to use the funds paid on 9/in order to pay off the loan as the pay-off amount was short after we reversed the payment Since this was our error, we will be refunding the payment in the amount of $1,to youPlease note that this is the amount we received on 9/19/and not $1,stated in your complaintPlease allow 5-business days for delivery 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] ***

Mr***, upon receipt of your complaint I reviewed your accountThe loan transferred to us on 4/18/The payment that you made to [redacted] was applied on 5/3/Under federal law you can not be reported delinquent if a payment made to the previous servicer is received by the new servicer lateThis is explained in both the hello and goodbye letters your receivedThis is what our representative was referring toThe notice you got is an automated letter that goes out when the system shows that a payment has not been receivedWe cannot stop those from going out so I do apologize that you found the letter alarmingYou have not been reported delinquent nor have you been assessed any late charges Sincerely [redacted] Vice President Customer Service Freedom Mortgage Corporation

Complaint: [redacted] I am rejecting this response because: the amount I was told I would receive back from my escrow was over 2,dollars this amount does not include the Aprils PaymentIt didn't happen BECAUSE FREEDOM MORTGAGE FAILED to meet suspense's and communicate properlyPlease explain what the $is and where it is coming from? I would like my Mortgage check back immediately.I know the payment for April was not supposed to be madeSo, where is the coming from? and Can you make good on what I was originally told? After I receive my mortgage payment backcan you give me another check for 2,000? Regards, [redacted]