Freedom Mortgage Corporation

Mr***, I am sorry that you are having issues with the loss mitigation department, as I had said previously you have been assigned a new contact so hopefully you will not have any further issuesWe spoke with your wife in December, sent a new loss mitigation package out and are still waiting on the following outstanding items
Signed Tax returns Disability letter and 4506-t with line complete
please submit the missing items as soon as possible so we can review your request

Complaint: ***
I am rejecting this response because:Good morning MrP, and thank you for getting back with me SirI spoke with MrsKristy Z and Christian HBoth of which I have made aware of what needs to happen and how soonI am rejecting this response because, I need an answer to my original questionsIs it standard practice to purchase a past due and delinquent mortgage loan from another mortgage lender?Is it standard practice for both the previous mortgage lender and the current mortgage lender to be reporting the past due and delinquent mortgage loan to the credit agencies at the same time?Why wasn't I notified within days per the Fair Credit reporting Act, prior to Freedom Mortgage reporting the past due and delinquency to the credit agencies?Sir, your Loss Mitigation department had my contact information as far back as April This delinquency was first reported to the credit agencies in May 2016.With both Freedom Mortgage and *** *** reporting this negative information to the credit agencies, it has had an effect on my personal credit score, it will have an effect on my job, my insurance, my ability to get credit for future purchases, my family and my livelihood.For now I am rejecting this response until I can get some answers and help regarding my questions and my credit rating
Regards,
*** ***

Mr***, we communicated via email and I provided you with the investor (*** ***) guidelines that clearly state that we have to have a licensed contractor perform the workI did try my best to get the exception but there is no option for an exception as this is not our requirement, it is the investors requirementWe can not waive a requirement that is not ours to waive

I just called Freedom Mortgage Corporation to inquire on how I could receive a payoff letter from this company When I called, it sounded like the operator dropped the phone, then she said HELLO? HELLO?The operator never announced her name or the company she worked for I was a little uneasy giving her my personal information considering she was extremely unprofessional It actually sounded like a scam when I called, but I verified online first to make sure the number was legit Very odd

Complaint: ***
I am rejecting this response because: I am a retired AUDITOR from the INTERNAL REVENUE AGENCY that is why the IRS has FORMS and they the IRS request that their forms as the mtg int statement be completed correctly Freedom Mortgage makes up their own rules as they go alongThe IRS does not get the statement that is below the IRS FORMS what is wrong with this company? I demand the form be completed the correct way as *** does indicating I paid my property taxesAnd I demand that the Revdex.com address this situation immediately My husband and myself have been on the phone with them over hoursThey are a corrupt, negligent company, and we will be suing them due to this issue and other mistakes and error they have made and falsely reported to our credit agency
They should contact Christine P *** the mtg broker who wrote this disaster mortgage I sent her a copy of what a should look like from a really banking institution.
My property taxes were paid and it NEEDS to be indicated in box This is not an option this is the LAW required by the IRSThey need to understand the IRS does NOT GET Their statement and I need to file my taxes and do not feel like being audited.
Regards,
*** & *** *** - ***

My mortgage was sold/transferred to them from *** (which I liked) When I refinanced to another company two years later, I was charged $in non-named or described fees A month later, I have yet to receive explanations for these fees or a check for the balance of my escrow account

I received notices in the mail from several mortgage companies indicating that I could refinance my FHA loan I contacted Freedom since that is who my mortgage loan is currently through I was told that I could refinance for down in closing costs, or at the maximum, $dollars or so I got the final papers today and they want me to give them $2,900+ in closing costs I called them and talked with one of their "specialists" who wanted to go over the numbers with me I asked him if that would change the fact that they want almost $3K from me, and he said probably not I told him I didn't have time to go over numbers that wouldn't change the outcome and informed him that their company is very unscrupulous and misled me in believing that I could refinance with almost down I am a widowed mom and was very much needing this refinance and am angry beyond belief that I fell for their advertising I do NOT recommend this company to anyone In my line of work (and in life really), you do as you say you're going to do Freedom Mortgage doesn't adhere to that belief and I will never recommend them to anyone

Mr***, upon receipt of your complaint I asked our tax department to review your concernsThe researched and found that the October payment had been applied in error to the wrong loanThey reversed it and on 2/4/applied it to your loan effective dated 10/14/We have waived all late fees
and update the credit bureaus to show all payment paid as agreed with no delinquencyPlease let me know if I can be of any further assistance Sincerely Roseanne ***Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, I am sorry that you were experiencing frustration while trying to obtain the final draw on the insurance claimWe will be reviewing why this escalated issue was not resolved soonerI reviewed the account and it appears that the funds were released on 2/26/I hope that they have
since reached you and that you have been able to complete the process of completing the new homePlease let me know if there is anything else that I can do for you.*** *** 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 find that this resolution
is satisfactory to me
Regards,
*** ***

Mr*** any actions we take would be considered internal and as such you would not be entitled to any details as you are not an employee of Freedom Mortgage

Complaint: ***
I am rejecting this response because: I am a retired AUDITOR from the INTERNAL REVENUE AGENCY that is why the IRS has FORMS and they the IRS request that their forms as the mtg int statement be completed correctly Freedom Mortgage makes up their own rules as they go alongThe IRS does not get the statement that is below the IRS FORMS what is wrong with this company? I demand the form be completed the correct way as *** does indicating I paid my property taxesAnd I demand that the Revdex.com address this situation immediately My husband and myself have been on the phone with them over hoursThey are a corrupt, negligent company, and we will be suing them due to this issue and other mistakes and error they have made and falsely reported to our credit agencyThey should contact Christine P *** the mtg broker who wrote this disaster mortgage I sent her a copy of what a should look like from a really banking institution. My property taxes were paid and it NEEDS to be indicated in box This is not an option this is the LAW required by the IRSThey need to understand the IRS does NOT GET Their statement and I need to file my taxes and do not feel like being audited.
Regards,
*** & *** *** - ***

[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,
*** ***

This company is the most miserable company to deal withI would say the customer service is about as bad as *** Every single time I have called in looking for information the customer service rep would just dump me into the same automated systemi have called in trying to get information on multiple occassions and each and every time I have to call in multiple times due to getting hung up on or transferred to the wrong place

Ms***, Upon receipt of your complaint I asked our tax department to review you concern about the tax paymentThey advised that your loan had transferred to us from *** *** *** *** on 12/1/When servicing transfers anything due within days of the transfer is to be paid by the
transferring lenderYour taxes were due in December and should have been paid before transfer by *** and as such our system did not reflect the need to make a payment for taxes the same month the loan boarded*** did not make the paymentWe have contacted the tax office and have gotten the amount due including penalty good thru 4/We will disburse the payment of the base amount from escrow pay the penalty from our funds and seek reimbursement from ***.Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Ms***, I apologize that you had this issueI reviewed the loan and a representitve should have followed up with you but did notWe have waived the last charges and have sent a correction request to the credit bureaus to reflect the account as paid as agreedPlease let me know if I an be of
any further assistance*** ***Vice President Customer ServiceFreedom Mortgage Corporation?

July 27, Ms*** *** *** ** *** ***
*** ** *** Re: Your Complaint to the etter Business Bureau Dear Ms***: We are in receipt of your complaint and are happy to respond to your concerns I have reviewed your complaint and
researched the missing payment issue referenced Freedom Mortgage has located the missing payment and applied the payment amount of $to your accountAs of today, your next payment will be due on August 1, In addition, all late fees associated with this lost payment have been waived 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: *** ***

We are running into the same problems as (by Kate ** on 9/24/) spoke of in her review""They lose documents - CONSTANTLYThe ignore repeated requests for updatesThey REFUSE to confirm receipt of documents that were uploaded and emailedTurn times are a jokeThey will tell you one thing and then do the exact oppositeI battle for every little thingJust to get them to acknowledge that they got a document was impossibleThen I'd get asked for it againOne item I had to upload SEVEN times before they cleared itThe same document, SEVEN timesThe only reason they cleared it? I emailed it directly to the Underwriter while I was on the phone with himTheir rates may be good, but you get what you pay forNothing but a nightmarish headache from start to finish""
Not very friendly people and it doesn't seem like they know what they are doing We are in a big mess because of the time it is taken to close our loan I have never experienced such a unorganized mortgage company ever

Mr***,Upon receipt of your complaint I asked the insurance department to review your concernsThey have advised that the coverage is sufficient at this time and that the lender placed policy has been cancelled and the $2,was refunded back into your escrow account on 8/26/I do
apologize for the frustration this has caused you and we are reviewing the situation to determine the root causeSincerely*** *** Vice President Customer ServiceFreedom Mortgage Corporation

Mr***, upon receipt of your complaint I asked the escrow department to request a refund of the duplicate tax payment and to cancel the analysis that was recently done as it is not accurate due to the erroneous disbursementThey have done so and we are waiting on the refund from the tax
officeOnce we have that we will deposit it back into escrow and reanalyze your accountI apologize that you concerns were not addressed in a more timely manner and we will review this issue with the staff involved.Sincerely*** ***Vice President Customer ServiceFreedom Mortgage Corporation