Freedom Mortgage Corporation

Ms***, I do apologize that your had a frustrating experienceThe vast majority of our loan applications move forward without a hitch so I am sorry to hear about your experienceThe letter that you had received most likely was sent in error as we had extended the rate lock on your loanI am sorry that we were not able to close the loan for you and I will be refunding the appraisal fee to your credit card Sincerely [redacted] Vice President Customer Service Freedom Mortgage Corporation

Since June I have been trying to resolve this problem with Freedom MortgageEach month I am told that my mortgage has not been paidI have sent them copies of the checks and they constantly put my checks into uncategorized or all towards principle for the previous monthThey continue to add on late feesI have spent countless hours on the phone explaining their mistake and they still cannot get my payments rightI have lost total confidence in them keeping up with my loanI can't trust that they are charging me the correct amountThey sent me a check for overpayment of escrow and at the same time they are telling me that I owe them money for the escrowI 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

Mr [redacted] , upon receipt of your complaint I asked the escrow department to review your fileAfter reviewing it was determined that you were correct the property is not in a flood zoneIt seems that there was a data error either on our system or that of our flood vendor that caused thisThe lender placed policy has been cancelled, there is no requirement for private flood insurance and your account was analyzed and your new payment will be effective 5/1/We apologize for the error and will be looking of the root causeSincerelyRoseanne [redacted] Vice President Customer ServiceFreedom Mortgage Corporation

September 14, Dear Ms***: To answer your questions: Your payment is currently due for August 1, The payment amount due is $which includes a late charge of $ You will owe the $that was taken from escrow but that will resolved when you escrow account is re-analyzedThere are several other factors involved during the re-analyzation of the escrow account and normally any shortage can be spread over monthsUnfortunately, we are unable to amend your creditThank youVery truly yours, Joseph P Assistant Vice President

January 3, Roman" size="3"> [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 two fees for pay-offs [redacted] requested pay-off statements on your behalf via fax on 11/22/and 12/6/Each time a pay-off is requested, a $fee is incurredDuring your call with our agent, you were informed that signing the consent from with [redacted] gave them permission to request a pay-off on your behalf We have credited the $to your escrow account but please be advised that any future pay-off requests will incur the $fee per request If you have any further questions or concerns, please do not hesitate to contact me Sincerely, [redacted] ***

Mr [redacted] upon receipt of your complaint I asked the cash department to review your accountThey advised that you have auto draft set up for February and you also made a payment via the phone or web the same monthWe reversed the extra payment and sent it back to your bank on the 24thPlease let me know if there is anything further that I can assist you with.Sincerely [redacted] Vice President Customer Service Freedom Mortgage Corporation

September 14, [redacted] Re: Your Complaint to the Revdex.com [redacted] We have reviewed your complaint and researched the issue regarding the overage in your escrow account We perform escrow analyses on a state schedule so we can evaluate your account after taxes have been due so the most up to date tax amounts can be obtained which will mitigate any shortages in your escrow accountIn this instance, we received $2,back from your closing as taxes were apparently overpaid Instead of performing an escrow analysis at this time, we will keep the state schedule and analyze your account next monthHowever, we will issue a check in the amount of $2,from your escrow account at this time to reimburse you for the overpaid taxesYou should receive the check within a week Sincerely, Joseph PP [redacted] Assistant Vice President Customer Service Freedom Mortgage Corporation [redacted] ***

Mr [redacted] , please call me at [redacted] ***It will be easier for me to go over the old loan's history with you on the phone then going back and forth in an emailI attached the history with the last response and am attaching it here againIf you would call me so we can go over it I think it will clear things up and if you have further questions I can address them immediately[redacted] Freedom Mortgage

[redacted] , I apologize for the frustrations you had with our servicing centerAs you are aware we corresponded and the late fee and NSF fee have been removed and I requested a refund for the charge from your bankI appreciate the opportunity to assist you and feel free to reach out to me at anytime in the future[redacted] Vice President Customer ServiceFreedom Mortgage Corp

[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 meRegards, [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, Robert [redacted]

Complaint: [redacted] I am rejecting this response because:Roseanne please give me a call at [redacted] anytime after 3pm [redacted] time, so we can resolve this issue Regards, [redacted]

February 8, [redacted] Re: Your Complaint to the Revdex.com Dear [redacted] We have reviewed your complaint and researched the issue regarding payment remitted on November 2, Unfortunately, we never received the payment in questionWe reviewed the payment confirmation from [redacted] and amended your credit for the November and December, paymentsConfirmation letters will be sent to each of you but I have attached copies for your review Regarding the late fees, one late fee was waived and you paid for one otherWe reversed the late fee that you paid and placed the funds in unapplied fundsYou may apply the $toward your next mortgage payment by shorting the next payment by $or if you wish for the funds to be applied to principal, just make the full payment and the $will automatically be applied to principal Sincerely, Joseph PP [redacted] Director Customer Service Freedom Mortgage Corporation [redacted] ***

Mr [redacted] I am sorry that you did not have a good experience with you refinance applicationWe will review the actions of those involved with your file and take action as neededYou appraisal fee was refunded to your credit card on 6/25/You should be able to see that credit at this timeIf not please contact your credit card company to confirm a pending credit[redacted] Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, I reviewed your account with the tax department and it appears that we had the taxes set up incorrectly as having two disbursements annually equally over 5,when in fact there is only one in the amount of They reanalyzed the account effective with the May payment and your new payment is $I do apologize for the frustration this has caused youPlease let me know if I can be of any further assistanceSincerely [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]

Mr [redacted] , I do apologize that your request to pay the taxes was not responded to soonerWe were initially not aware of the supplemental bill that you were billed as a result of home improvementsWe have contacted the tax office and obtained the amount needed to pay the billAny penalty or interest will not be taken from your escrow account Sincerely Roseanne [redacted] Vice President Customer Service Freedom Mortgage Corporation

Mr [redacted] I reviewed your complaint with our servicing center and they advised that they had spoke with you on 1/5/and explained that the reason why you could not use the website for payments was due to the fact that your account was still in loss mitigationThey explained that is why you could not make an adjustments to the account or make a paymentThey then took the payment by phoneThey advised that you were satisfied with the explanation.Sincerely [redacted]

Dear [redacted] ,We are in receipt of your complaint and are happy to respond to your concernsUpon receipt of your complaint, we reviewed the documentation you supplied and consulted with our legal departmentDue 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 balanceOur 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] ***

Mr [redacted] , I do apologize for the frustration you experienced regarding your tax exempt status and the adjustments required on your accountThe account has since been analyzed and the exemption for the taxes is not reflectedYou received a refund from the title company ion the amount of and we sent the balance due you of Any late charges were waived and the account was not reported as delinquent[redacted] Vice President Customer ServiceFreedom Mortgage Corporation