Freedom Mortgage Corporation

September 13,
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Mrs*** *** and Mr*** ***
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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 additional bi-weekly payments
On all drafts, the payments were sent to us via your bill pay serviceFreedom Mortgage did not draft these payments from your account; rather your bill pay service sent them to us. On July 27, 2016, Freedom Mortgage mailed you check # *** in the amount of $I have confirmed that this check, which represented a refund of two of the payments, was cashedOn August 18, 2016, check # *** in the amount of $was mailed to youYou should be receiving this check shortly which will complete the refund of the payments in question
If you have any further questions or concerns, please do not hesitate to contact me
Sincerely,
*** ** ***
Assistant Vice President
Customer Service
Freedom Mortgage Corporation
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Complaint: ***
I am rejecting this response because:I feel there is an exception and they just don't want to grant it
Regards,
*** ***

Ms*** I reviewed your account and it seems that an issue with the system caused the fee to re-appearWe have since refunded the fee to you via a check which was issued on 6/27/There are no outstanding fees on the accountSincerely*** ***SVP Customer ServiceFreedom Mortgage
Corporation

Complaint: ***
I am rejecting this response because:
I have been in contact with with a customer service representative who said he is working personally on the case Also, I have been told before that they are working on the case and nothing has been taken care of
The main reason why I am rejecting this is because nothing has been taken care of
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I have never made a late payment and refuse to accept a negative credit rating of 641. My credit rating was prior to this fiascoMy loan was transferred from *** to Freedom, yet Freedom was sending all my mail to an old address I had prior to the townhome purchaseI never received notice that my payments were to be sent to a new address. I have no other option than to hire an attorney. Thank you, Revdex.com, for your efforts. I have also written both my Congressman and Congresswoman, asking for an investigation into this company. I have received a response from both of them so will pursue these other avenues.
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
This has been an issue since I was switched to this mortgage company, which has been a year or so nowI cannot believe anyone is really working on it since nothing has happened in all that timeI have done web programming and I know that it couldn't take over an hour's worth of programming if the web hosting company was really trying to do anything
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
This has been an issue since I was switched to this mortgage company, which has been a year or so now.I cannot believe anyone is really working on it since nothing has happened in all that time.I have done web programming and I know that it couldn't take over an hour's worth of programming if the web hosting company was really trying to do anything
Regards,
*** ***

Ms*** upon receipt of your complaint I asked the escrow department to review your concerns regarding the disbursement for homeowner insuranceThey advised that it appeared that our insurance vendor, while attempting to verify coverage determined that there was a payment owed on the
policy and they disbursed it as an advance and set up an escrow account to recover the advanceThis should not have occurredThe payment was sent to USAA who have just recently returned the funds which have been applied to the negative balance in the escrow accountThe account has been changed to non-escrowedI do apologize for the frustration this has caused you and we will review with our vendor the procedures they should have followedPlease let me know if there is anything further that I can do for youSincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Complaint: ***
I am rejecting this response because: This is not a matter if how I feelThis is a matter of factReview all the communications between myself and your company and anyone can see the incompetence and lies that your associates relayed to me for monthsWhy does your company refuse to review and acknowledge wrongdoing by Alex J and Freedom Mortgage?
Regards,
*** ***

Mr***, 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 this
The 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 cause.
Sincerely
Roseanne ***
Vice President Customer Service
Freedom Mortgage Corporation

Mr***, Freedom Mortgage is in the business of making mortgage loans, not deceiving borrower'sThe loan officer did believe that your application was approvable however due to the fact that you are the only party on the auto loan note that debt would still have to be counted in your
debt ratioThe loan officer was educated on this factI have submitted a request for a full refund of the that you paid for the appraisalYou will receive it via regular mail in about daysSincerely
Roseanne G
Vice President Customer Service
Freedom mortgage Corporation

August 1, Mr*** ** *** *** *** *** ** *** *** *** ***
*** ** ***
"margin: 0in 0in 0pt;">Re: Your complaint to the Revdex.com Dear Mr., and Mrs***: 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 reimbursement of your escrow funds pending your new refinance transaction on 8/1/When your written request was received, it was mistakenly interpreted that you were requesting to pay your own taxes and insurance until paying off the loanAs I review the notes, I see that once the issue was fully understood and escalated to management, the escrow was waived on 7/27/2016, a check for the escrow funds was drawn and mailed to you on 7/and delivered on 7/ I apologize for the misunderstanding and trust that this issue has been resolved to your satisfaction If you have any further questions or concerns, please do not hesitate to contact me Sincerely, *** ** *** Assistant Vice President Customer Service Freedom Mortgage Corporation *** *** *** *** ***
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If you can help it DO NOT DO BUSINESS WITH THIS COMPANYI have been a customer for almost two years and I have been asking repeatedly for a Tax reevaluation for months now and I have not gotten any response from the Tax departmentEvery time I contact them, they request the same thing I have sent them, my tax billMy mortgage has gone up by over $per monthThe reason: The Tax calculated is based on last year tax billI supplied them with a bill from the county and THEY JUST PAID half the amount of taxes recentlyThey have all the evidence and I have been getting the run-around from your customer service departmentI am unemployed and trying my best to keep up with my house payment and not defaulting on my loanHowever, I cannot get a single Manager to talk to me or call me backAll I get every time I call is excuses and lack of initiative from burned-out customer service representativesI am extremely frustrated and need your help PLEASEThe service is horribleThe people are terrible and there lack of initiative might cause some folks to go the foreclosure wayIf you have a choice in the matter, STAY CLEARWHY? THEY OUTSOURCED THEIR CUSTOMER SERVICE TO A HORRIBLE PROVIDERThey are so cheapI wouldn't wish them on my worst enemy

Ms***, I apologize for the frustration you experienced regarding the posting of you paymentAt this time we are not able to accept electronic payments, We can only accept checks or website and auto draft paymentsWe anticipate that we will be able to accept payments electronically in
the next to daysIn the meantime you can utilize our website to make payments or continue what you are doing but be aware of the slower processing timePlease let me know if I can be of any further assistance
Sincerely
*** ***
Vice President Customer Service
Freedom Mortgage Corporation

Mr***, Debra D, a servicing manager has been communicating with you almost daily in regards to your concernsI hope that this addresses your request for a manager to contact you and work with you
Sincerely
Roseanne G
Vice President Customer Service
Freedom Mortgage Corporation

Mr*** I reviewed the application we have in process and it does appear that this has been going on for an extended period of timeFrom what I can tell we did and still do have issues getting a verification of employment from your employer and you also opened up a new credit account on 12/
for which we needed to verify the balanceThe file is currently in closing waiting on the verification of employmentI have escalated the file to the operations manager overseeing this department to see if they can push this thru to closing.Sincerely*** ***
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I have been under contract on a property waiting for a commitment letterthe dead line was over days ago and all they do is send me forms to fill out every daysI almost lost the property due to this company giving me the run aroundsSo, I went to another lender and got a commitment within business daysthanks for nothing Freedom Mortgage of *** ***

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***, I am sorry that you are unable to make principal only payments on our websiteWe are working with our vendor to get this updatedWe are not the "owner" of the system and therefore can not affect that change on our ownWe are hoping to have the functionality to accept principal
only payment in the near future.
Sincerely
*** ***
SVP Customer Service
Freedom Mortgage Corporation

Freedom Mortgage has much website failure which I believe is a move to charge and obtain extra $10-fees to pay by phone or via a repAs a business, they do not honor or help you when their website is down nor do they acknowledge any web errors