Freedom Mortgage Corporation

July 26, Ms [redacted] Re: Your Complaint to the Revdex.com Dear Ms***: We are in receipt of your complaint and are happy to respond to your concerns I have reviewed your complaint and as I understand the issue, you entered into a land contract agreement to purchase the subject property at [redacted] and are about months into a month payment planI asked that the issue regarding the land contact be elevated to both our legal counsel and Underwriting ManagerOur legal counsel has stated that we can proceed with the land contract as long as it meets FHA guidelinesOur Underwriting Manager has also reviewed the land contract and agrees that we can proceed provided that we obtain a satisfactory pay history for the payments you have madeIn addition, FHA guidelines require a month residence pay historySince you have only been making payments for months, a pay history for your prior residence will also be required to cover the month FHA requirementObtaining pay histories for an existing mortgage is a standard practice when processing a mortgage loanYour processor can provide direction for the best method to document this requirement 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: [redacted] or direct line [redacted] Fax: [redacted]

Complaint: [redacted] I am rejecting this response because: Thank you, and I think there is a misunderstanding I am not saying that anyone from your company has promised me a credit or a refund I am asking that you or whomever has the authorization to review my case and grant a credit for the errors made with my account, as well as time spent each month having to deal with this billing error I originally requested a credit in the amount of $2,for the incorrect information reported to the credit agencies The amount equals the amount of my mortgage and the timeframe that was reported to the credit agencies that I was late(31-days), as well as time spent on calls with Freedom Mortgage staff trying to resolve this matter, and now dealing with getting my credit report correctedLet me thank you in advance for all of your time and attention with this matter I hope we can resolve this matter and move forward very soon Regards, [redacted] ***

September 20, Dear Ms***: It is my understanding that you have been in touch with Melissa M of our office todayWe asked Melissa to reach out to you in order to explain the fees that we waived and the payments due and the amountI understand that the conversation went well and you are happy with the results Thank you Very truly yours, Joseph P Assistant Vice President

Mr***,Upon receipt of your complaint I realized that I was already working on your issueIt seems that the funds were sent to our sub-servicer, who was you prior servicerThey 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 backI 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 reductionplease let me know if I can be of any further assistanceSincerely, [redacted] Vice President Customer ServiceFreedom Mortgage Corporation

Ms [redacted] I do apologize for the issue you were experiencing with out accountI reviewed the history and I do see that we reported you as delinquentWe have since updated the credit bureaus and you will show paid as agreed when the bureaus next updateAttached is a letter that was mailed to you advising of this dated 6/15/Please let me know if I can be of any further assistance SincerelyRoseanne GSVP Customer ServiceFreedom Mortgage Corporation

March 8, [redacted] Re: Your Complaint to the Revdex.com Dear [redacted] We have reviewed your complaint and researched the issue regarding your January payment While we did receive proof that the payment was sent by [redacted] in early January, the payment was sent to the incorrect addressI have attached a copy of the check which indicates that the payment was sent to a Dallas, TX PO Box which is the vendor we use to mail out our mortgage statementsThis address is stated at the top of our mortgage statements (see attached) and is used for returns of undeliverable mortgage statementsIt specifically states not to send payments to this addressThe correct mailing address is stated at the bottom of the statement on the first page and again on the second pageI have highlighted each address for your reviewPlease adjust your records for future payments In view of the circumstances, we unfortunately will not be able to amend your credit as we are required by law to report credit accuratelyThe reporting of late payments to the credit bureaus is also addressed in the mortgage statement (also highlighted) Sincerely, Joseph PP [redacted] Director Customer Service [redacted] ***

Mr [redacted] upon receipt of your complaint I reviewed the escrow account with our escrow departmentThey advised that there was a payment made to [redacted] insurance in the amount of and disbursed from escrow on 9/1/The funds came back from the insurance company were redeposited into the escrow accountThe account was analyzed as part of our routine procedure and due to the system showing a payment for the insurance already having been paid the funds that were redeposited resulted in a perceived overage by the system and you were refunded on 9/28/Two days later the insurance department received the correct bill amount and paid [redacted] in the amount of Due to the payment of taxes (which should have been paid by the previous lender) and the disbursements for insurance the account was analyzed on 10/to make sure that the amount being collected was correctDue to the higher insurance payment and the escrow refund there was a shortage in the amount of Due to the fact that your mortgage is an FHA mortgage we cannot remove the escrow accountFHA loans are required to have an escrow accountSincerely Roseanne G Vice President Customer Service Freedom Mortgage Corporation

Ms***, Upon receipt your complaint I reached out to [redacted] They advised that you had provided them with a trace number for the payment on 3/9/They researched and located the fundsA check in the amount of was sent on 3/25/As of 3/30/it has not been cashedYou should receive the check this week but if you do not please contact me at [redacted] Sincerely [redacted] Vice President Customer ServiceFreedom Mortgage Corporation

Ms [redacted] ,I am sorry that you feel that there is an issue with the posting of your paymentsThe payment that you mail to our lockbox arrives at the [redacted] The [redacted] then delivers it to our payment processing center, we process the payments at the center the same day they are deliveredWe can not control the time it takes the [redacted] to bring the mail to the payment processing centerWe have heard that it can take them three days to deleiver it to our centerWe are not trying to collect fees, we want the payments to post as soon as possible just like you doYou can make your payments a variety of ways but to avoid any fees you can use your bank's bill payment service, providing you have a deliver by date of prior to the 15th of the month and there would be no fees if you used that serviceYou can also pay online before the 6th with no service feesBecause the delivery of the payment is dependent upon the postal service it is always advisable to allow extra mailing timePlease let me know if I can be of any further assistance [redacted] Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, upon receipt of your complaint I asked the servicing department to review your concernsIt 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 youWe have blocked credit reporting and waived late fees plus a property inspection feePlease let me know if we can do anything else for you at this timeSincerely [redacted] SrVice President Customer ServiceFreedom Mortgage Corporation

August 19, Roman" size="3"> Mr [redacted] SC Re: Your complaint to the Revdex.com [redacted] Dear Mr [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 tax issue and the escrow analysis Your loan closed on 12/22/and taxes were estimated in the amount of $1,annually ($per month was collected with payment)The billed amount of $4,was paid from escrow on 12/14/The initial escrow analysis was performed on 12/31/and projected a shortage of $3, This increased your payment from $to $1,effective 03/01/The account was reanalyzed on 2/4/and the same shortage was lowered to $3,Your new payment changed to $1,effective 04/01/The account was then reanalyzed again on 2/25/per your request, based on the notice of adjusted taxes we received on 2/11/The shortage was lowered to 2282.50, based on taxes of $1,annually and the payment was lowered from to The most recent analysis was performed on 4/6/16, after the tax refund, of $was received on 4/4/A surplus of $was refunded back you and your payment was lowered to effective 04/16/ Please note that average processing time for refunds to be received from tax collectors is approximately 6-weeks and the account was analyzed accordingly The Assessor’s office confirmed that the application for adjusted taxes wasn’t filed until February, and the account was analyzed upon request based on the most recent tax amounts available Unfortunately, we are unable to forgive the past due balance owedAs per the terms of the mortgage note, payments are due each month Finally, I noticed that you are currently due for the 3/1/paymentIf you feel that you cannot bring the loan current without assistance, please reach out to our loss mitigation department as they may be able to assist you 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 Phone: ###-###-#### or direct line ###-###-#### Fax: ###-###-####

Complaint: [redacted] I am rejecting this response because: I am trying to refi and have not been able to do so as of yet. I asked the numerous representative to take the credit request to management. I am not saying that anyone promised me a credit, I am asking for a credit for the inaccuracies placed on my report as well as the barriers I am facing with trying to move to a different mortgage company. Can you please talk to the power that be and see what type of compensation will be provided for error of Freedom Mortgage. I have had to call and deal with a customer service rep since Freedom Mortgage taking over my mortgage, spending numerous hours dealing with some pleasant and some not so pleasant people. A letter to right your wrong is appreciated but more is warranted. 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] I do not agree with the explanation but consider the case closedI will refinance with another company Regards, [redacted] ***

Mr [redacted] , the loan you applied for your were not eligible for and it should not have been offered to youThis is a training issue and will be addressed with the loan officerWe will remove the credit inquiry from your record and we will send you copies of the letters to the credit bureaus for your records Sincerely Roseanne G SrVice President Customer Service Freedom Mortgage Corporation

Complaint: [redacted] I am rejecting this response because: ..it is pointlessThere is no way to get anywhere with Freedom Mortgage Corporation(I don’t write that out of anger, I write this because of many months of experience that I made with this Corporation, so I see myself in the position to definitely make this statementI spent many (and I mean many! I have several witnesses for that) hours on the phone trying to get everything resolvedJust to ensure that the Freedom Mortgage Corporation is understanding my experience with their CompanyIn October Freedom Mortgage notified me that they were going to be taking over the loan on November starting from ***I took the initiative to call the mortgage company on October to let them know that the mortgage they are taking over had a claim open with the [redacted] I was told at the time that there was nothing they would be able to do because the Mortgage company did not have the loan yet and would have to wait till after November in order to take care of the issueAfter November I called again to Freedom Mortgage Corporation to let them know that I needed help dealing with the [redacted] I asked for a fax number to the Mortgage company to send them the Claim packet filed with the insurance CompanyI then spent $to Fax a very large Document explaining the damages on the house [redacted] had already had all of this documentation prior to Freedom Mortgage pulling the loan back from *** [redacted] was servicing the loan for Freedom Mortgage CorporationOn the original documents from the Adjuster, the original amount of the payment was going to be approximately $106,974.74, which was not acceptableThe Insurance Company ( [redacted] ) adjusted the amount up to the amount of the first settlement check for $129,950.69, which was issued at the end of January At the same time that I signed the Proof of Loss Another claim was opened with the [redacted] for additional money to cover the rest of the houseI had to get Congressman ***’s staff involved to get the settlement that was finally reached for $177,which was the max for the Policy on the house ($47,is the amount of the second check)While going through this process with [redacted] I had asked Freedom Mortgage Corporation to stop all insurance on the houseThis occurred in December on or about the 18th, Freedom Mortgage Corporation stopped the payment for the Hazard insurance stop from being paidAt that time, I was not informed of a requirement to carry insurance on the unpaid balance of the loanI did not find this out until I was given notice that I would have lender placed insurance put on the homeI immediately called Freedom Mortgage Corporation to dispute the need for insurance on a house that was destroyed in the floodI was then transferred to the Insurance department of Freedom Mortgage Corporation and told that I did not have a choice in the matter I have spoken to the Loss Draft Department of Freedom Mortgage Corporation about this matterI have been told that I would get a call back from supervisors in the Corporation (this was a joke because the calls were rarely returned by a supervisor) and when told to call back to their extension it would not existOn February I requested forgiveness for the remaining balance of the loan Because I had not received any word from the Insurance that they were going to make any additional PaymentI wrote a Letter explaining that there was an additional claim on the property for more money but was not sure as to the amount that was going to be paidIn that letter I explained that the Escrow ($6,238.00) and the check for $129,be used as payment for the loanThe total of this payment would have been $136,ending up with a remaining balance of $26,In the mean time I am still not living in a house, my family and I are living in an RV trying to finish a house that we bought as a project house prior to the FloodBecause the Mortgage Company refused to work with us on reducing the payment on the loan to reflect just the Principal payment without the Escrow money added to the amountThe way my wife and I have been treated through this whole process has almost caused a large rift in my family As far as I am concerned I have done all the foot work to ensure the Mortgage Company gets their moneyI need to also make a statement about the way this company has harassed me about payments on the loan I have been called every other day last week asking for payment and every day this week asking for paymentI have informed the Mortgage Company of my intentions of taking this to court if this is not resolvedIf this is to go to court, I will be asking for far more than what is listed belowBe informed that I have already consulted with a Lawyer on this matter and am ready to escalate thisI will write the letter but this is what needs to happen All interest from May to present, all forced insurance charges, any fees assessed on the account for being late along with reversing all credit reports submitted against me need to be correctedI feel that this is the minimum that will be acceptableThe amounts that have been charged are as follows: Forced Hazard Insurance $ $Late Fees $ $ $ESCROW $Remainder after the loan $47,449.31-$31,724.00=$15,Total: $22,And until I am assured by Freedom Mortgage that this is met then I will write the Letter requesting these things listed above Regards, [redacted]

[redacted] I am working with our tax department to obtain the refund and correct the escrow accountI anticipate that this will be completed in the next hoursPlease contact me directly at [redacted] and I will update you once this had been finalized [redacted] [redacted] Vice President Customer ServiceFreedom Mortgage Corporation?

Complaint: [redacted] I am rejecting this response because: First of all there is not a comprehensive action plan identified by Freedom Mortgage There are no associated dates for action completion How will Freedom Mortgage rectify the situation in regard to my mortgage refinancing as the error was their issue? I have attempted to initiate a dialogue with Freedom Mortgage but there is in my opinion and experience a lack of accountability and customer service I will now file a formal complaint with the Attorney General's Office of the State of New Jersey Thank you Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I am happy that Freedom Mortgage has admitted that there was an error and that I was correct that my home was not in a designated flood zone areaHowever, Freedom Mortgage made a payment of $2,from my escrow account on 12/24/for a flood insurance policy they had purchased based on incorrect informationTherefore, I am expecting and asking that these funds be returned back to my escrow account to correct this errorTo date, this has not been doneUntil this is done, this complaint remains unresolved Regards, Robert [redacted]

Mr [redacted] upon receipt of your complaint I reviewed your loanThe servicing of your loan transferred to us from [redacted] on 2/12/due for the 9/1/paymentThe loss mitigation items that you had submitted to [redacted] were out dated and you were advised that a new package would be neededSince that time you have sent in documents but have never fully completed a packageAs recently as 4/you were advised of missing items needed for us to complete a review of your fileI am attaching a copy of the missing items letter which has been sent to youI do not see any evidence that the allegations you assert in your complaint are factualThe rep provided you with the CEO’s name and our address and each time you called you had a representative available to you as well as your SPOCPlease forward the missing items as we do want to help you retain your home Sincerely [redacted] Vice President Customer Service Freedom Mortgage Corporation

Ms [redacted] upon receipt I asked the payment processing and cash departments to review your issueBelow is the information that provided in response to your issue: The borrower’s have used the following account numbers to draft their payments /> [redacted] Seems that when the spouse called in to make a payment on 4/28/14, she cancelled and said that she didn’t have the account number on her, so the draft was deleted (as shown below on 4/28/on [redacted] screen)The amount indicated on the bank statement is not the same amount listed on the system for 4/28/ [redacted] [redacted] *** [redacted] DELETE TODAYS MAINTENANCE [redacted] [redacted] *** [redacted] REQUESTED BY PHONE NUMBER ACCT NUMBER [redacted] DRAFT AMOUNT [redacted] Also according to the information the borrower sent to us, it’s looks that the transaction was a transfer transaction / share adjustment for [redacted] for account number [redacted] According to the document they sent to us, it seems they were transferring money from one account to another and put the reason/memo as Freedom Mortgage because the “Type category: states “Transfer”The payment they are stating that we took from their account is different than the account number listed in the system on 4/28/The payment on 4/28/never occurred (different account# and different amount) which is the reason we cannot locate the payment · Account number listed on the documents is [redacted] and this account was last used on 3/28/ · The account number listed in the system on 4/28/is [redacted] Freedom Mortgage Corporation