- Report: #438458
Report - Rebuttal - Arbitrate
Complaint Review: Freedom Banc Mortgage Services
Freedom Banc Mortgage Services325 Cramer Creek Court, Dublin, Ohio U.S.A.
Freedom Banc Mortgage Services Mortgage Fraud and RESPA Violations Dublin Ohio
*General Comment: Freedom Banc
*UPDATE EX-employee responds: It was only a matter of time before this company appeared on ripoffreport.com...
*Author of original report: Employee Contract
*REBUTTAL Owner of company: The range of threats made by Mike- Quotes
*REBUTTAL Owner of company: Mike Champers customers actual emails
*Author of original report: Final Response
*REBUTTAL Owner of company: Additional Information
*UPDATE EX-employee responds: Rebuttal
*REBUTTAL Owner of company: It continues
*REBUTTAL Owner of company: Actual Events
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If you are contacted by this company be very carefull. I worked for this company for approximately 3 months and witnessed many illegal activities. Here's one example: My long time customer Susan T. applied for a refinance loan. It took three months to get here loan approved. Finally her closing was scheduled for Friday February 27, 2009 at 3:00PM. The broker did not get her paperwork done in time so at 8PM they asked me to reschedule her closing for 2/28/09.
On the 28th the closing took place in the client's home. There was a representative from the title company (which is part owned by Freedom Banc and Mr. Harris). I knew immediately that fraud was taking place because the title agent informed both myself and Susan T. that the documents had to be signed, dated and notorized for Friday 2/27/09. Ms. Tucker did not understand that this was a violation of Federal lending laws from both the mortgage broker and the settlement agent. I brought the concern to my supervisor and he told me not to worry about it. This was common practice and if I complained I would be responsible because I was the originating loan officer. Mr. Harris even threatened me and used abuse language in front of my co-workers. Upon the funding of Ms. T's loan I learned that the taxes and insurance we're paid twice by mistake (overcharged escrow). The title agent told Ms. T. she would receive a refund on the over paid taxes. In addition, the homeowner's insurance policy was paid twice as well.
Fact is, Ms. T never received the tax refund. The title company misrepresented itself and deceived Ms. T. In addition, Ms. T's closing costs exceeded $10,000.00 AND additional title fees we're charged at the last minute and we're not properly disclosed prior to settlement. This is called a RESPA violation. Be cautious in dealing with this company.
This report was posted on Ripoff Report on 03/27/2009 07:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/Freedom-Banc-Mortgage-Services/Dublin-Ohio-43017/Freedom-Banc-Mortgage-Services-Mortgage-Fraud-and-RESPA-Violations-Dublin-Ohio-438458. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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