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 [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Mr. [redacted], upon receipt of your complaint I asked the escrow department to review your loan. They advised that the $9.34 that you sent in for the shortage was applied to principal in error. We have reversed that and applied it to the escrow account and have reanalyzed the loan. The shortage is...

gone and your payment is 1298.51. A supervisor has tried to reach you to go over this with you and will continue to try and reach out.Sincerely,Roseanne GVice President Customer ServiceFreedom Mortgage Corporation

[redacted] we reviewed the reporting and see that the credit was reported late in error. We have updated the bureaus and the account will show paid and not late when the bureaus update their records and report next. The control number for the amendment is [redacted] I apologize for the delay in correcting this.
Sincerely
Roseanne G[redacted]
Sr. Vice President Customer Service

I am completely confused why freedom mortgage has an A+ rating with so many complaints and bad reviews! I just purshased a new house and the mortgage was assigned to them less than 9 months ago. In that time they have claimed 2 of my checks, which were mailed to them, were lost by [redacted] 1 to never appear again and the other to magically appear hours after I paid them online a second time. The check took them 19 days longer to process than all the other bills I mailed on the same day. As I google searched, I found several similar complaints of payments taking up to 30 days to process, double payments, and many other processing issues. I have to wonder if they are doing this to obtain and charge fees. I have dealt with many mortgage companies in my 20yrs of being a homeowner and never have I experienced this with any other company. Absolutely ridiculous and I would never recommend them to anyone for business. STAY AWAY from Freedom Mortgage! Do your research and you will see they deserve a F rating many complaints and bad online reviews!

Ms. [redacted], upon receipt of your complaint I reviewed the payment information from the old loan compared to the new. The difference you are seeing is because the mortgage insurance payment on the new loan is 79.32 while it was 54.59 on the old loan. The principal and interest went down but the MIP...

went up. You previous payment (based on the statement you provided) was 877.87 and the current payment is 884.78. You are saving money with the lower interest rate and the mortgage insurance is not required to be on the loan for the full 30 years. Please let me know if you have any further questions. Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Coporation

August 29, 2016     Mrs. [redacted] and Mr. [redacted]     Re:       Your complaint to the Revdex.com   Dear Mr. and Mrs. [redacted]:   We are in receipt of your complaint and...

are happy to respond to your concerns. I have reviewed your complaint and researched the issue your loan modification.   Freedom Mortgage has reached out to your authorized third party twice regarding the modification on July 18th and July 28th and the calls were not returned. Your request has been denied based on incomplete documentation. However, you may re-apply with a complete package to be re-reviewed for home retention.   I have enclosed a new loss mitigation package. Please provide a full package and include the items outstanding from the previous application. These items are:   Provide letter of explanation for large deposits into [redacted] checking for $3260.40 on 05/03/16 and $1630.20 on 05/09/16. Also please provide letter of explanation for numerous deposit from a [redacted]. Is this another account or different source of income?Provide paystub that reflects deposit into a separate checking account ending in what appears to be 3986. Please provide 2 months most recent consecutive bank statements for this account along with LOE for any large deposits. Please provide updated [redacted] bank statement May through June 2016. Previous  March-April statements are past 90 days. Also, provide letters of explanation for any large non-payroll deposits.   Please provide better image of the previous paystubs provided. Some of the income figures are difficult to read.   If you have any further questions or concerns, please do not hesitate to contact me.     Sincerely,       [redacted] Assistant Vice President Customer Service Freedom Mortgage Corporation [redacted]

Worst business ever. Loan,was sold to this company and have had nothing but bad experiences overall.

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Re:       Your Complaint to the Revdex.com
 
 
Dear Mr. [redacted]
 
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 difficulties you encountered in making your payment on our website.
 
We are constantly striving to resolve any issues relating to our website. Given the issues that you have encountered in attempting to make your payment, we have amended your credit for the July 1, 2016 payment.
 
I apologize for any inconvenience this has caused.
 
If you have any further questions or concerns, please do not hesitate to contact me.
 
 
Sincerely,
 
 
 
[redacted]
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Ms. [redacted], I do apologize for the difficulty you were having with the refinance. You application did take a long time to process and there were some issues with your name and the subordination agreement but it still should not have taken as long as it did. We have since approved and closed the...

loan, we as the lender applied additional credits to keep the interest rate and closing costs as initally promised. Please let me know if I can be of any further assistance[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

[redacted] because the website is administered by [redacted], our sub-servicer, I asked them to address your concerns. Below is their response:I just spoke with IT. They stated this is a common practice when a borrower is having an IT issue as that is the only way then can actually...

see the error that the borrower is having. We fully verify all borrowers prior to speaking with them in regards to the account, so we know that we are speaking with the correct person, and if they call in, they know they are speaking with the correct company.  The only other option is for the borrower to take a screen shot of the errors themselves and email it to us, but there is no guarantee we can fix the error without being able to access the account. We can assure him that the information would not be shared with people other than IT and that it is not recorded in any loan notes. He also has the option of changing his username and password as soon as we correct or determine the website issue. Please let me know if you need anything furtherRoseanne G[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Ms [redacted], I never said that the payments were coming back NSF , the bank is telling us that the payment are not authorized. This is why I suggested a three way call. Please let me know if we can set that up for you.

Mr. [redacted] I do apologize for the delay in paying your taxes, the account was set up incorrectly and that is why the taxes were not paid automatically, the data has been corrected and there should be no further issues going forward. The tax department advised me that the check was sent out for the...

taxes on 3/15/16 and sent to the county for processing. Freedom Mortgage paid the penalties. Please let me know if there is anything further I can assist you withSincerelyRoseanne [redacted]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 [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]

Dear [redacted],Upon receipt of your complaint I asked our escrow departmentto reach out to the vendor we use to handle the insurance policies and thepayment of the premiums. They reviewed and found the following. It seems thattheir processor misread your Condo Association’s master policy and...

thought itcovered from the walls in. As such they removed the requirement for the H06policy you have and as such did not have the disbursement date on the system.Additionally since they did not show that individual coverage was needed theyalso did not send out any letter regarding renewal information. Due to thiserror in processing the vendor will be forwarding 20.00 to your escrow accountto reimburse you the additional cost associated with the reinstatement of thepolicy. On behalf of Freedom Mortgage I do apologize for the error on the partof our vendor and we will make a review of similar loans to be sure that thiserror is not repeated.  Sincerely [redacted]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: this was handled over the phone after complaint was sent and freedom mortgage agreed that the person who handled my escrow at the time will never be allowed to handle it again and the proper management will handle this employee for making this huge of a mistake.
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,
[redacted]

About 6 months of completing my mortgage I started getting weekly phone calls to refinance my loan. They would call my work, home and cell. I have asked to get put on the do not call list and still receive calls about this. I would never recommend this company to anyone.

[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, I cannot understand why customer service seems to not know what is going on in the process ,everyone I talk to has a different story or no concern. I cannot understand there is no phone # to communicate to special loans dept , was told by Leon that it was sent to underwriters & they would call over a week ago ,then there is no record of that today & no calls .Nothing to inform me of what is going on .The buyer wants a fixed mortgage, I received a Arm to fixed mailing today from Freedom in Ill .Called & spoke to Leo ,explained what is going on  ask him to direct me to somewhere or someone who could help or who could he direct me to who could help with no help or concern because he wasn't getting a sale .I see many complaints with Freedom as was with Ocwen on Revdex.com. pLEASE HELP7 reply    [redacted]

Complaint: [redacted]I am rejecting this response because:They information regaurding the double billing did not show up untill almost two weeks after I sent the payment. That is not how a bussiness is run, and so on 6/2 I sent a second payment because of no reply from freeddom mortgage from the first payment. I was under the impression the never recieved the 1st payment. I have never been late or missed a mortgage payment, and have never dealt with a company who takes so long to handle any situations. I called them as well on 6/2, spoke to a supivisor and they said I should be mailed a check in 7-10 bussiness days... Which once again they DID NOT! Their excuse was it took them that long to process it, and I should wait another 7-10 bussiness days to recieve the check. At this point I told them just to keep it and use it as July's payment. Apperently they have no probleum in taking peoples money, yet give them the run a round when it comes time to send it back due to lack of efficancy on their company's behalf. I am getting ready to sell my house SOON, AND YOU CAN BET I WILL CHOOSE A DIFFERENT MORTGAGE COMPANY!!! I also sugest to anyone out the in the real estate marked, to STAY AWAY FROM FREEDOM MORTGAGE... unless you like to be lied to, played games with, and strung along, by a VERY UNPROFESSIONAL SECOND RATE BUSSINESS!!Regards,[redacted]

Ms. [redacted], Upon receipt your complaint I reached out to [redacted] They advised that you had provided them with a trace number for the payment on 3/9/16. They researched and located the funds. A check in the amount of 820.00 was sent on 3/25/16. As of 3/30/16 it has not been...

cashed. You should receive the check this week but if you do not please contact me at [redacted]Sincerely[redacted]Vice President Customer ServiceFreedom Mortgage Corporation

Dear [redacted]
  Upon receipt of your complaint I reviewed the events surrounding the closing of your refinance and the payoff of your loan with [redacted] who was servicing your existing mortgage for Freedom Mortgage Corporation. It seems that there was some miscommunication in...

regards to the payoff of the mortgage. The payoff was short due to an outdated payoff figures but this was not realized until after you had been asked to make the April payment. It was wrongly assumed that the shortage was due to the April payment having not been paid. I spoke to the individuals involved and they advised that once the correct reason for the shortage was determined we refunded you the April payment, which was $908.00 and then sent over to [redacted] the remaining monies needed to complete the payoff of the loan out of our pocket as this was an error on our end. Attached is a copy of the check which you should have received by now. Your first payment on the new mortgage will start 6/1/2014 and there has been no negative impact on your credit.  I do apologize for this situation and the frustration that it caused you.  Please let me know if I can be of any further assistance or if you have additional questions. Sincerely, Roseanne G[redacted]Vice President Customer ServiceFreedom Mortgage[redacted]