Freedom Mortgage Corporation

[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 *** and find that this resolution is satisfactory to me, As long as freedom mortgage sends the letters and clears all my bureaus of the lienIf they don't I will continue my complaint and move to legal advice.
Regards,
*** ***

Ms***, upon receipt of your complaint I asked LoanCare Servicing to review your concernsThey advised that they did not see that you had an unapplied balance of at any point on your accountRight now, due to the short payment you sent in November there is in suspense and
the loan is still due for the September paymentYou appear to have been sending in less than the full payment and partial payments can not be appliedAttached is your loan historyThe account has been analyzedYou new payment is effective with the October paymentSo right now you owe the following:September - 1000.51October - 882.70November - 882.70December - 882.70The funds in suspense can be applied towards past due payments by calling into the servicing centerI would urge you to do this as soon as possible so that your account can be brought currentSincerely Roseanne GVice President Customer ServiceFreedom Mortgage Corporation

Mr***, I do apologize for the phone callsIt seems that no one removed your loan from the dialer and you continued to get phone calls after the closing of your refinanceThe calls will stop, the loan funded today and the old loan will be paid off before the close of business or no later than
tomorrow morningThere will be no negative credit reporting on your account. Sincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation

Mr*** 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 explanationSincerely*** ***
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Complaint: ***
I am rejecting this response because:
A real financial institution that makes an error does not refuse to address it for their customers that they wish to keep as their clientsWe are going to pursue legal actions for our closing cost to refinance out due to this issue, along with other credit agencies errors that took months to address with Freedom mortgageYour agency is a FraudWe paid these taxes and will no longer be paying our taxes in our mortgage until we refinance out of your company since you REFUSE TO ADDRESS AND INDICATE THE CORRECT TAXES on the statement as requiredLike all real mortgage institutions, which Freedom mortgage is not We will also call the media and let them know what a fraudulent company you are and how you do businessSo keep in mind for our April mortgage statement our Taxes will not be included and the payment will go straight to the county
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Regards,
*** & *** *** - ***

July 11, 2016 Dear Ms***: We are in receipt of you complaint to the Revdex.com and happy to respond. On May3, 2016, the servicing of your loan was transferred from LoanCare to Freedom MortgageYou were notified of this in a letter dated May 8,
providing you with a new loan number and payee name and addressIn order to further research you complaint, please provide a canceled check from the bank for the payment due on June 1, so that we may determine if the payment was sent to LoanCare or FreedomWe will be happy to research further and facilitate any corrections upon receipt of this documentationPlease forward this documentation to my e-mail address or fax number below Please feel free to contact me if you should have any questions Thank you, *** ** *** Assistant Vice President Customer Service Freedom Mortgage Corporation *** *** *** *** ***
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Complaint: ***
I am rejecting this response because:As previously stated, Freedom Mortgage should have processed this without requiring multiple calls and online actions by all customers.As previously stated, *** sent a letter clearly stating my loan would be migrated after May and all scheduled payments prior to that date would be automatically processed by *** It continued that after May your customers would need to log on to your site and establish a new automatic payment (which I continue to disagree and believe you should have done this yourself). After May I started watching my bank account for the automatic payment from *** - it did not process I then called in AGAIN (wasting MY time for your internal debacle) and was told I would have to manually make the payment for May because *** failed to do it Again, if I (your customer) were not proactive (wasting MY time), and had followed the instructions provided by mail and from my previous calls, my loan would eventually just go unpaid Your reps told me I would need to create a single payment from your site on May to make the May payment (that you/your assigns failed to process correctly) and then I would have to log back on AGAIN the following day to set up a recurring withdrawal on your site.How stupid are you/your system? I have never dealt with such piss-poor account management You refuse to support your customers properly You REQUIRE your CUSTOMERS to do all the work to complete this INTERNAL migration from your assign (***) back to you (Freedom).Again, my concern is for the thousands of customers affected by your internal change How many are less proactive than I? How many will not realize how screwed up this is/was until after they are days late and you report negatively on their credit reports? How many will start getting nasty letters because they are late - again, due to your botched process?Personally, I will be fine I will continue to monitor my account and will fix everything myself - since you seem incapable of doing so
Rest assured, I will never take another loan from Freedom and I will make every effort to advise others to do the same Shame on you!
Regards,
*** ***

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"margin: 0in 0in 0pt;"> Re: Your complaint to the Revdex.com
Dear Mrand Mrs***
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 open mortgage on your credit report
We have notified the credit bureaus that your loan was transferredYou may refer to the following conformation when speaking to the credit bureaus:
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I apologize for any inconvenience this has caused
If you have any further questions or concerns, please do not hesitate to contact me
Sincerely,
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Mr*** was have investigated the file internallyAny actions we take against any participants is an internal matter and not something that we will share publicallyWe take all complaints seriously and each receives a complete reviewErrors or situations where additional training might be needed are addressed as are anything requiring more escalated actions
Sincerely
Roseanne G
Vice President Customer Service
Freedom Mortgage Corporation

[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 ***, and find that this resolution is satisfactory to meRegards, *** ***

Mr***, I reviewed your account with our escrow and loss draft departmentThey advised that they require a signed written request to payoff the loan balance with the insurance proceedsA message was left for you to this effect on 5/27/If you could put a letter together requesting this (as
we need it for our records) I would be happy to forward it to the appropriate party to expedite the payoffYou can email it to me at *** Any negative credit reporting will be amended after the payoff of the loan SincerelyRoseanne GVice President Customer ServiceFreedom Mortgage Corporation

Excellent service from Inna *** she was great she always retuned all my calls answered all my questions she was one of the best I have worked withAlso the closing person that came to my home was wonderful

*** ***, I apologize that you were still getting solicitations after requesting to be removedI had your name removed the from the list on 10/28/You will not be getting any further mailing or calls Sincerely*** ***Vice President Customer ServiceFreedom Mortgage
Corporation

Mr***, upon receipt of your complaint I asked the loss mitigation department to review your concernsThe advised that you were already delinquent before you entered in to the trail payment plan for the loan modificationBelow is a listing of the payments applied to the loanThe trail did
not start until we got a payment from you on 10/but you were already days delinquent at that timeFurther the agreement you entered info was not for the full payments, they were trail payments to see if you could afford the loan modificationThis did not change what was actually due on the account at that timeYour trail plan agreement advised you as such with the following languageWe have removed the days reporting as a courtesy but the and days lates will not be removedDateReported
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[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 ***, and find that this resolution is satisfactory to meThank you for your help I appreciate it
Regards,
*** ***

August 11, Mr*** ** *** *** *** ***
*** *** ** *** Re: Your complaint to the Revdex.com Dear Mr***: 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 solicitation calls you have been receiving I have requested that your phone number be removed from our call lists and received confirmation back that the number have been removed I apologize for any inconvenience this has caused If you have any further questions or concerns, please do not hesitate to contact me Sincerely, *** ** *** Assistant Vice President Customer Service Freedom Mortgage Corporation *** *** *** *** ***
*** *** ** *** Phone: *** *** *** or direct line *** Fax: ***

Your escrow balance is a negative They applied the that was in suspense to reduce the advance balanceThere is not an excess in your escrow account and if we were to analyze the payment would go up again due to the missing payment

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

Ms***I do apologize for the lack of contactI checked our records and it seems that the file was closed out due to inactivityWe can open up a new application if you would like and I will be happy to remove the inquiries from JulyPlease let me know if you would like to be contacted about a
new [email protected] *** *** *** ***
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[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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***