Freedom Mortgage Corporation

Mr***, *** ***, our subservicer, used the documentation you provided and located the missing paymentThe payment was applied to your account on 10/29/There was no impact to your credit and the account is paid as agreedSincerely,*** ***Vice President Customer
ServiceFreedom Mortgage Corporation?

Mr***, upon receipt of your complaint I asked for an updated status on the loanAt that time I was advised that they were waiting on the repairs and proof that a credit account was actually being paid by your ex-wifeSince then the repairs have been made but a final inspection has not
yet been orderedThe file is in a suspended status and an email was sent to you yesterday asking if you intended to continue with the applicationA voice mail was left as wellIf you do not wish to proceed please let me know and I will be happy to refund the appraisal fee
Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Complaint: ***
I am rejecting this response because: Closing payoff information was wrongClosing was rescheduled numerous timesI was told not to pay the old mortgage company and then got charged a late fee that was never reimbursed, and now I have a blemish on my credit report. Just today I received an email saying that they didn't have another paper that they needed signed, even after a notary came to my house and made me sign it. This company is a farce
Regards,
*** ***

Mr***, I do apologize for the issues you had with the websiteWe were experiencing intermittent outages that caused issues when logging on or trying to make paymentsThose have been addressed with the vendor and have been correctedIf you have any future issues please feel free to email me
and I will have someone assist you.SincerelyRoseanne GVice President Customer ServiceFreedom Mortgage Corporation

Complaint: ***
I am rejecting this response because: the issue has not been resolvedI 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 months although I had paid my loan through the systemI was also denied acces to a supervisor when requestedShe called me rude and told me it was my faultI have no reassurance this will not continue throught the life of my loanI make $per hour and spend minutes each month on the phone so I can pay my mrtgageIf you cannot fix your system I should at least be compensated for my timePlease 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,
*** ***

Mr***, upon receipt of your complaint I reach out to our processing manager Nancy *** to see if she was aware of the issue with your checksShe advised that she was and was working with you to get the proper payments and names of the payee's on the checksMy understanding is that as of
today all of the checks have been corrected and sent out to youIf this is not the case please reach out to me at ***SincerelyRoseanne *** *** *** *** *** ***

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Re: Your complaint to the Revdex.com
Dear *** *** *** ***
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 reversed payment
The payment in question was made on August 1, and the pay-off for your new loan was generated on August 4, The pay-off was generated with the August 1st payment being made so all the new loan was closed with the August 1st payment factored inThe payment was reversed on 8/(reversals normally have a day turnaround time) and the funds were deposited into a suspense accountWhen the pay-off funds were received, funds from this reversed payment were used to pay-off the loan
Since the pay-off was pulled prior to reversal of the payment, Freedom Mortgage will refund the payment to you
I’m sorry for any confusion that this may have caused
If you have any further questions or concerns, please do not hesitate to contact me
Sincerely,
*** ** ***
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Mr***, I do apologize that you wish to be removed from our lists was not handled more quicklyI have made sure that it has been removed.Sincerely*** ***SVP Customer ServiceFreedom Mortgage Corporation

Freedom mortgage is TOTALLY AWFUL They did not pay our taxes on time - even though there was more than enough money in escrow My credit report does not even reflect them as our mortgage holder Why is this a problem you may ask? Because now, due to the awful service, we want to refinance --- and our refinance company is stating that they can't get in touch with them - and there is no record of our mortgage Although we do receive and pay bills every month Their "customer service" department are only receptionists that put in "requests" to have someone call you --- and no one ever has called backHello --- this is our home! Can someone please help with these incompetent mns?

** ***, 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

Complaint* ***
I am rejecting this response because: Yet again this company is telling me they will "look into it" as they continue to debit more money than was authorized and more than they are entitled too. Their system is extremely flawed and there is no reason it should take months to have a solution; the situation is cut and dry and they are the accountable party and need to act as such and resolve this issue
Regards,
*** ***

Dear Mr***, We have received your complaint from the Revdex.comFirst, please allow me to apologize for the inconvenienceI have reviewed the information in the complaint and also discussed the situation with some of the individuals involved in attempting to correct the
situationAlthough Freedom services your loan, your loan is actually owned by *** *** *** ***When an FHA loan is originated, the Federal Housing Administration issues a Mortgage Insurance Certificate (MIC) indicating that the loan is insured by the FHA When your loan was originated by *** *** ***, the county code on their MIC was listed as - Holly CountyThis is incorrect and should read - Oakland CountyPer FHA, we cannot contact *** *** to request this correction from FHAOnly the Borrower (you) can do thisPlease contact *** *** and request the correctionOnce this has been completed, you will be able to complete a streamline refinance and we can proceed with re-writing your mortgage loan. If you should have any questions, please feel free to contact me. Thanks, *** ** ***Office of the PresidentFreedom Mortgage Corporation*** *** *** *** ***
*** *** ** ***Phone: *** *** *** or direct line ***Fax: ***

September 12, Mrs*** *** and Mr*** *** *** *** *** ***
*** *** ** *** 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 customer contact and the subordination issue First, please allow me to apologize for the delay in the processing of your loan application The subordination has been approved and issued by the 2nd lienholder and is being sent to Freedom MortgageOnce received, approvals will be needed by Freedom Mortgage attorneys and the title company which should only take a few days I have asked that a Processing manager reach out to you to discuss your application per your requestA voice mail was left for you this morning by *** ***His phone number is ###-###-#### If you have any further questions or concerns, please do not hesitate to contact me Sincerely, *** ** *** Assistant 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 me
Regards,
*** ***

*** ***, upon receipt of your complaint I asked our customer service department to review your account and reach out to youThey advised that they had spoken with you on 10/and 10/IN response to your complaint we called and left you a message on the 14th and again on the 17thWe have
not gotten a response to either of those callsIf you still need our assistance please let me know by emailing me at ***Sincerely,
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Ms*** upon receipt of your complaint I reviewed the application historyIt does appear that the file could have been handled better and that there were some communication breakdownsI do sincerely apologize for this and can assure you that we will perform a review of what took place on
your file and take actions as neededThis is not how we conduct business and we do take these complaints very seriouslyIf you would like to discuss this further or share anymore information please reach out to me at ***Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Mr***, I am sorry that you had an issue with the January mortgage paymentThe rep should have waived that fee as a courtesyI will issue you a refund that should arrive in about business daysPlease let me know if there is anything else I can do Sincerely*** ***Vice
President Customer ServiceFreedom 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 although I disagree with the way the payments were posted to the account and the fact that I was told I was allowed to "skip a payment" and was then penalized for itThe fact that the buisness has made an attempt to correct the issue results in me finding that this resolution is satisfactory to me
Regards,
*** ***

here is my experience with Freedom MortgageI applied online to purchase my first homeI was approved for an *** loan for $100,making an hourAside from working full time, I am a small business owner but my business could not be counted as income as it has not been established for more than two years (remember this it's important ) as well as a mother of small childrenMy original closing date was February 18thI pulled my *** to pay a downpayment and put $in escrow for an $80,propertyOn February 1st, I lost my job due to a sales decrease not supporting my position any longerI was ten days from closing, and told if I could not find another job that paid the same and was in the same field of work then my loan would be cancelledOtherwise it could be placed on hold for daysI asked them to do so until I could find a jobI found a job in two weeks and wouldn't you know they cancelled my loan anyway so they had to start the ENTIRE process over again WITH NOW TWO WEEKS to closeI had to send in paperwork after paperwork, paystub after paystub, bank account informationI put an extra $in my escrow account to keep the seller happyThe appraisal was DONEEVERYTHING!!!!!! paid off my DTI so it would be lower than it was in my previous loanEvery single time I completed one task I was given another list containing more things that were required to process my loanRidiculous things I might add but I managed to get them everything they neededIt was a constant jumping through hoops I had to ask for yet another extension on my contract to be told days before my lease date and closing date that I can not purchase this home because my DTI is too high since I claimed a loss on my business that I cant claim as income so now my family of is homeless in daysMade me wait and strung me along for months to tell me "no"FORGET FREEDOM MORTGAGE!Go ANYWHERE ELSE but themI will never ever go through this company againI wasted my hard earned money and time on a joke companyI should have trusted my instincts when I read the online reviewsTHEY ARE A HORRIBLE COMPANY TO DO BUSINESS WITHTRUST ME!

August 16, Ms*** *** and Mr*** *** *** ** *** *** *** ** *** 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 additional funds being misapplied on your account Payments are processed automatically by *** ***Since this is an automated process, the system is unable to read the memo line of your checkIn addition, amounts paid in excess of your mortgage payment are handled differently by the automated process depending on the amount of the excessIf the amount paid is equal to payments, the system will apply two full mortgage payments and will not apply anything to principalIf the amount paid is more than payment but less than payments, the system will apply one payment as the regular mortgage payment and the remainder to principalIf you wish to continue making payments to the designated address, I would suggest that you send an amount just under full payments (i.e$1299.00) and the payment will post $as your regular payment and to principal Another option is to send your payment directly to Freedom Mortgage for manual processingYou may send any amount over the mortgage paymentPlease send your payment to: Freedom Mortgage *** *** *** *** ** *** Attention: Payment Processing Please complete the payment coupon on your mortgage statementYour mortgage statement has a designated area for you to complete and direct where additional funds are to be appliedWithin the payment coupon (please see lower right portion of attached mortgage statement), there is a box with the heading “Amount Due”Within this box, there are spaces for Additional Principal, Additional Escrow and Late ChargesJust below this box is another box for the Total Amount EnclosedPlease write in the amounts in the appropriate spaces and your payment should be processed correctly going forward 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: ###-###-####