Date Received: 2021-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX sent in 3 payment one of the 3 was lost in ACH customer service rep stated. Still no credit for that payment. Now sent in a bill pay payment on XX/XX/XXXX delivered on XXXX XXXX Freedom Mortgage had a verbal confirmation from XXXX XXXX XXXX that money was send on XX/XX/XXXX. Spoke w several CSA/Supervisors. Payment is missing! {$2000.00} payment can not just be missing. I need HELP! This is so in professional and quite frankly just bad business. I know for a fact I am not the only one having this problem!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was approached by XXXX XXXX for a free refi on my mortgage which was recently sold to them by XXXX XXXX XXXX ( see below ). The XXXX rep would not provide the details, terms, or disclosure for the offer unless I applied and they could run my credit. Then once I started the process, I was told that as a self-employed applicant that I had to have a median credit score of XXXX ; my scores allegedly being " XXXX '' ( the representative would not provide proof, self pulled scores were higher ), and that they would be declining my application. The idea that XXXX would offer a lower rate to check the credit of their newly transferred customers is a scam. My representative was XXXX XXXX Senior Loan Officer NMLS # XXXX XXXX XXXX # XXXX " Welcome to the Freedom Mortgage Family! Recently you received a notice that XXXX XXXX XXXX XXXX, a fully-owned subsidiary of Freedom Mortgage, began servicing your loan. This will not have any impact to your loan number, rate, term, balance or payment method. SAVINGS OPPORTUNITY LOWER YOUR RATE Based on an initial review of your account, we can lower your rate and monthly mortgage payment. Benefits Include : * Zero lender fees * Lower rate and monthly payment * No appraisal required in most cases * Keep your current remaining term Don't delay as rates can change at any time Lock in your new lower rate today and get started on lowering your monthly payment! Reservation # XXXX Phone Icon Call XXXX or visit us online! ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have completed my loan modification conditions to take my loan out of forebearance but the incompetencies of Freedom mortgage has my loan still tagged as in forebearance. I have been waiting for 4 weeks to get paperwork to sign and notarize in order to complete the terms of the loan modification but I just found out today that the paperwork has still not been completed. I was told by the agent at Freedom mortgage that I should have received these documents about 3 weeks ago. I am tired and frustrated of receiving phone calls from Freedom Mortgage asking if I was ready to take my loan out of forebearance when i've already completed the conditions to get out of forebearance. This complaint is solely to get their attention in order to complete my loan modification in order to get this off my credit report and show that my payments are current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XXXX XX/XX/2021, I received the closing disclosure via email from XXXX. I reviewed the closing disclosure and it had a few discrepancies, based on the original loan terms that I signed back on XXXX XX/XX/2021. I immediately emailed XXXX for an explanation on the discrepancies and he has not returned my emails or calls. I also include his supervisor ( XXXX ) in the email and I havent heard from him either. The tentative closing date is set for XXXX XX/XX/2021 and I would like to get the closing statement fixed. Below are some of the discrepancies that I requested assistance from XXXX and XXXX : 1. The loan amount changed from {$440000.00} to {$440000.00}. 2. Why do I have to finance {$7600.00}, the escrow? What happened with the credits of my current escrow? 3. The APR changed from 2.251 % to 2.259 %. Please see attached supporting documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I refinanced my VA loan with XXXX XXXX XXXX XXXX in XXXX of XXXX at 2.75 %. It cost me about $ XXXX to do the refinance, but it was worth it as the rate came down significantly. XXXX XXXX then sold or transferred the loan to Freedom Mortgage Company. A loan officer called me on XX/XX/XXXX from XXXX asking me to " call as soon as I can '' regrading my mortgage. I called him right away - assuming that something was wrong or there was some kind of problem. It turns out he was just trying to get me to refi again. I mentioned that this seemed like " churning '' as I literally refinanced less that XXXX year ago and that the rates are about the same right now ( in fact, current VA rates are a little higher than my existing rate ). I told him it was unethical to call me to do a refi in these conditions, and that he should have made clear in his message that it was a sales call. I asked that he not call me any more and that in the future if I wanted to refinance I would initiate it. He called me again the very next day - leaving a message to see " if I had any more thoughts '' about refinancing. So ... I am making this report because I want them to leave me alone - AND it seems obvious that trying to get someone to refinance a mere XXXX months from a refi is textbook churning - it would not be in my financial interest and would only generate commissions and fees for his company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Lost my job due to Covid. Applied for forbearance under the Cares Act. The mortgage companys website states that one can apply for streamline refinance while under the forbearance plan if the loan is FHA or VA. Nowhere on the website states that one has to be off of the forbearance plan and have had made 3 on time payments to be able to refinance. I am including screen shots of Freedom Mortgages website that says if you are thinking of refinancing while under forbearance ... but when I called them to do this, they tell me no, you have to be off of forbearance. One of the main reasons I went under forbearance was to be able to refinance WHILE under the plan and be able to lower my monthly payments. After all, forbearance is to suspend payments you can not make and does not make sense to have to get off of the plan, have to had made 3 on time payments to THEN apply to lower your monthly payments?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a VA XXXX streamlined refinance on XX/XX/XXXX with XXXX XXXX XXXX, Loan Officer, with Freedom Mortgage. We were scheduled to close the first time on XXXX, at XXXX XXXX. I was notified by the closing attorney at XXXX on XXXX that they had not received the paperwork. The next closing was scheduled for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX the closing attorney asked if I could change the time to XXXX on the XX/XX/XXXX and I agreed to the new time. At XXXX the attorney said the XXXX time was confirmed, but they have not received the document package. At XXXX the closing attorney said they have not received the closing documents and had to cancel closing and reschedule. The 3rd closing was scheduled for XXXX at XXXX XXXX. Same as before, the closing attorney had not received closing paperwork and had to cancel. The 4th closing was scheduled for XX/XX/XXXX at XXXX XXXX. The closing attorney contacted me about XXXX XXXX on XX/XX/XXXX and said she received the closing package and emailed the documents to me immediately. After reviewing the documents, the mortgage paperwork said SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. There was no description attached. We finally received the legal description after many phone calls on XX/XX/XXXX at XXXX XXXX. The legal description was for an incorrect tract of land we own. They could not get the description corrected and the closing was canceled again. After the XXXX failed closing, we requested reimbursement for the following fees paid to XXXX XXXX, our current lender, to obtain payoff balances : XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} I also asked for reimbursement for the difference resulting from paying 4 % interest to our current lender, XXXX XXXX, when we should have paid interest at the 2.25 % interest rate locked if the loan had closed as expected. On XX/XX/XXXX, XXXX Ma, Operations Supervisor from Freedom Mortgage contacted me and said he would work on ensuring the closing for the XX/XX/XXXX would be fine and work on receiving lender credits for lost interest and fees paid to XXXX XXXX to obtain payoff balances. XXXX Ma never returned my calls or emails and did not contact me regarding the requests. I contacted our original Loan Officer, who told us on numerous occasions that the issues were escalated to her manager, yet we still did not hear from anyone in management. I have never received even an apology regarding the failed closings from anyone in management at Freedom Mortgage. As of XX/XX/XXXX, I have not received a new closing date or confirmation that the interest rate lock that expired as of XX/XX/XXXX has been extended. In addition, I have received no response to multiple requests for reimbursements for payoff fees and higher interest paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I bought a home in XXXX Fl with a VA loan XXXX of XXXX thru XXXX XXXX. Due to Covid I was forced to use the forbearance program for five months from May- XX/XX/XXXX ; because when I arrived in Florida on XX/XX/XXXX everything was immediately shut down and this adversely affected our business. In XXXX I asked for the forbearance due to shut down. From XXXX of XXXX until XXXX I took the forbearance program and in XX/XX/XXXX XXXXXXXX XXXX offered me a loan modification of which I accepted. ( see supportive docs ) I was to make three trial payments for the starting in XX/XX/XXXX and ending in XX/XX/XXXX. Once all three payments were made, the modification was to be finalized. I made XXXX and XXXX payments to XXXX and then my loan was transferred to Freedom Mortgage to be the new servicer. Both XXXX and XXXX payments were transferred by XXXX to Freedom and I made XX/XX/XXXX payment directly to Freedom. I received a welcoming letter from Freedom and then started receiving multiple notifications that had numerous errors regarding how much was owed not only in payments but in escrow account. This began my phone, email, mail and upload communication with Freedom to not only resolve the incorrect information, but to get updates on when the modification would be finalized. I have had multiple phone conversations ; each time with a different representative because they will not allow you to speak to the same person twice. In each of these conversations the story from the Freedom representative changed from the previous rep. ( see call log ). From being told I would receive my loan modification documents the first week of XX/XX/XXXX, to it would take 30-45 days from last trial payment, to the docs are ready to send and you will receive them by such or such date. Many times because I complained about getting a different story each time I called ; the rep I spoke too promised to call me back with updates. None of those promises of a call back were kept, until one last week. As of today, over 180 days since I started my trial modification and over 90 days since my last trial payment ; my modification has not been finalized and I have received no such documents as previously promised. I have been on the phone weekly and all they tell us that it is still in process. There has been supervisor who gave us an actual date, neither of those promises were kept. After the trial payments were complete, I sent a payment to make up the difference between the trial payments and the original loan payment ; as well as full payment for XXXX, XXXX and XX/XX/XXXX. Each month I am sometimes told I dont have to make a payment, or I have to make a payment in any amount or I have to make full payment, while my modification is continually delayed. The last story from XXXX on or about the XXXX of XXXX I was told my modification was in QA and would be finalized by XX/XX/XXXX and he would call me with an update on XX/XX/XXXX. He was the first that actually kept his promise to call. Yet, I missed the call due to my phone not being charged. I called him back the following morning of the XXXX and were not able to speak with him. Yet once again the rep I spoke to told me that docs were in QA and to make my payment. I insisted on talking to XXXX to learn why the docs were not completed by the XXXX of XXXX as he stated and was only told he would call me back next week. And the saga continues. I am told a different story each time I call, no one will back up any statements they make with an email. ( truly suspect ) and I am left with no resolve despite me diligently following the terms of my agreement. I spoke to VA representative, XXXX XXXX, number XXXX and Ms. XXXX in late XXXX and she called and emailed Freedom and was told something would be done by the following week. So she was lied to as well. There are multiple bad reviews regarding Freedom Mtg ; all with the same or very similar complaints as mine and sharing same behavior of the representatives. I did not originate my loan with Freedom and would never have. My loan was transferred from XXXX to Freedom even though I was told upon origination of the loan that XXXX would remain the servicer of the loan. So my complaint although mostly about Freedom Mtg is also about XXXX transferring the loan in the middle of a trial period to a lender who has yet to follow through with the agreement. Besides the multiple bad reviews on Freedom mortgage. I have been advised by other loan companies that this kind of practice is probably fraudulent. The refusal to back up in writing what they say or promise and the refusal to speak to the same person, as well as holding me XXXX by continuing to delay an agreement I already signed for a loan modification. Freedom mortgage is benefitting from a much higher interest rate of the original loan at 3.25 % as opposed to the rate offered in the modification of 2.25 % and even lower rates that have been available during the last 180 days ; is typical of a fraudulent organization. They are causing me to possible lose out on a fast track lower interest rate VA refinance ; as this can not be done until the modification has been completed. Reviews https : XXXX https : XXXX ***************************************************************** Call Log XX/XX/XXXX Called in response to letter containing incorrect figures Asked for XXXX who was stated to be our single point rep. XXXX not available Spoke with XXXX XXXX assures us modification was approved, final docs being prepared and would receive by the 1st week of XX/XX/XXXX We asked her to send us an email confirming what she said, she refused, XX/XX/XXXX Spoke with XXXX first and transferred to XXXX Explain to XXXX in account resolution ; regarding additional incorrect figures regarding amt owed were incorrect and Summer had not corrected as promised. XXXX explains all funds we sent would be applied to the info for the final modification and should receive final modification docs in XX/XX/XXXX XX/XX/XXXX No docs received. Called and spoke with XXXX to get update on final modification docs that were not received as XXXX and XXXX promised. And to find out why the total owed figure was still not corrected as XXXX promised to do. XXXX said she would correct figures that XXXX had not and that she would send an immediate request to underwriting for final approval and to order documents. She assured us that Freedom would honor the Loan Modification agreement between me and XXXX and said Freedom would do whatever they could to make sure the interest rate was lower than original loan to make it affordable. She also explained we were protected by RESPA and said she would call us back in the evening with an update. She never called back. XX/XX/XXXX XXXX XXXX EST Spoke with XXXX to find out status of Loan modification documents. She had to transfer us to a single point representative at XXXX XXXX We were transferred to XXXX employee # XXXX in loss mitigation dept. XXXX said docs still not completed, advised us to continue making payments and said the final docs would be sent to us within 30-45 days of our final trial payment on XX/XX/XXXX. We explain we are sick of getting a different story each time we call and XXXX transfers us to a manager at XXXX XXXX EST Transferred to Ms XXXX employee number or extension XXXX Ms XXXX explains again it can take 30-45 days from final trial payment of XX/XX/XXXX. She states the docs are being worked on and we should continue to make payments We asked her to give us the amount to bring all trial payments up to same amount of regular payments. Told us {$95.00} XXXX She advised we could make any amount of a payment and still be protected. Made a payment of {$95.00} on XX/XX/XXXX to bring the amount they were holding in limbo equal to a full payment so it could be applied to amount owed ; as well as the full XX/XX/XXXX payment of {$1700.00} on XX/XX/XXXX as to bring us current. We called and spoke with XXXX and he said loan modification should be done 30-45 days from XX/XX/XXXX. This was yet a different story from all the other stories we were told. XX/XX/XXXX We tried to first make the XX/XX/XXXX payment online by logging into our account. The site was not functioning. We called and spoke with XXXX. And made the payment by phone. XXXX XXXX Contacted VA for assistance with Freedom Mtg Spoke with XXXX XXXX, she contacted Freedom by email and by phone. They told her we should have something by next week. We never received anything. VA Numbers XXXX USE THIS NUMBER XXXX XXXX XX/XX/XXXX Employee # XXXX XXXX. Spoke with XXXX and she said loan modification. Should be completed by Wednesday XXXX. Main office is in NJ XXXX XXXX XXXX XXXX XXXX transferred us to Supervisor XXXX # XXXX Said documents had to be completed within 10 days from XX/XX/XXXX. XXXX said he will call on XXXX. And we were supposed to have documents to us by XX/XX/XXXX. Supervisor XXXX assured us he was sorry we were given so many different stories and he was different from the rest and he would make sure our concerns were handled and the Documents would be expedited. He never called even though he promised over and over. XX/XX/XXXX Manager XXXX XXXX Id XXXX told ua docs were in QA Were told 5 to 7 ( business days ) from the XXXX we should have our documents. He ( XXXX ) will call on Wed XXXX no later than XXXX Eastern. Also he will send a msg to XXXX to call us. XX/XX/XXXX XXXX called late in the day, we missed the call. We did not receive any docs as XXXX had stated. XX/XX/XXXX. Called asked for XXXX and he was unavailable ( of course ) and talked to XXXX # XXXX She read XXXX notes to us that he had left for when we returned his call. XXXX said make your payment for XXXX ; the docs were still in QA and Once again said XXXX would call next week Once again I explained no one gives us a straight answer or they pretend to and no follow thru. It is over 180 days from the beginning of the modification trial and over 90 days from our last trial payment on XX/XX/XXXX. Payments made to honor our end or agreement signed XXXX XX/XX/XXXX trial period XXXX XX/XX/XXXX trial period XXXX XX/XX/XXXX trial period XXXX. XXXX XX/XX/XXXX ( to make up difference of trial payments vs original loan payments. ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( we made this payment later as we were expecting the loan docs as XXXX promised and did not want to confuse the figures once the documents were finalized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On or about XX/XX/XXXX, I received a letter from the processing center at XXXX XXXX XXXX, notifying me that my Flood Policy had been cancelled due to non-sufficient funds or stop payment. I contacted FREEDOM MORTGAGE on XX/XX/XXXX, and was connected to the Insurance Department at FREEDOM MORTGAGE. That department person contacted XXXX XXXX XXXX and the two discussed/reviewed the following facts with me on the call : 1. FREEDOM MORTGAGE submitted a payment to XXXX XXXX SERVICES on XX/XX/XXXX. XXXX. XXXX XXXX XXXX failed to cash the check payment for more than 90 days. XXXX. Per XXXX XXXX, the check that FREEDOM MORTGAGE submitted on XX/XX/XXXX was returned for XXXX Funds on XX/XX/XXXX. XXXX. FREEDOM MORTGAGE stated that it was not a Non-sufficient funds it was a stopped payment of the check- and she provided the check number to the XXXX Agent, adding that FREEDOM MORTGAGE has CHECK CASHING POLICY of 90-days. In addition, it was noted by all parties on the call that : XXXX. XXXX XXXX XXXX failed to notify the PolicyHolder AND FREEDOM MORTGAGE of the CANCELLATION of the Policy until XX/XX/XXXX XXXX 9 months later ). 2. Per the conversation it was agreed that FREEDOM MORTGAGE had the ability to overnight a check to XXXX XXXX XXXX. XXXX XXXX stated that they needed to do further research. I was told that XXXX XXXX XXXX would contact either FREEDOM MORTGAGE Or me if additional information was necessary. On XX/XX/XXXX, I received a call from FREEDOM MORTGAGE following up to see if the issue was resolved with XXXX XXXX XXXX. I informed FREEDOM MORTGAGE that no contact had been made. FREEDOM MORTGAGE advised me to continue attempting contact. On XX/XX/XXXX FREEDOM MORTGAGE sent me a letter requesting PROOF OF INSURANCE and advising that their records indicated FLOOD INSURANCE POLICY was expired. I contacted FREEDOM MORTGAGE in an attempt to follow up and was unable to reach the Insurance Department and instead had to re-inform a new person with FREEDOM MORTGAGE XXXX as he read the notes on the account ), however, he was unable to assist and was unable to contact the other member of his team. Upon review of the ANNUAL TAX AND INTEREST STATEMENT from FREEDOM MORTGAGE, there have always been sufficient funds in the ESCROW account to cover all taxes and Insurance policies for the mortgage of the property. I made several attempts to reach XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX, with no success. Negligence by both Freedom Mortgage and XXXX XXXX XXXX and their disregard to take corrective action to a situation they have both created, leave me no other option. I have tried to communicate to no avail. This is an unnecessary hardship during very difficult and challenging times. I have spent hours going through cumbersome answering programs telling my story over and over. On XX/XX/XXXX, after multiple attempts to reach customer service at Freedom Mortgage, I was provided a link to upload proof of a new Flood Insurance Policy. On the XXXX, when I did not see my account updated, I called Freedom Mortgage again. The customer service rep was not looking at the correct account ( I have 2 ) and when I brought that to her attention she laughed and said " ohhhh, that's probably what happened ''. I asked that payment be sent overnight. The next day on XX/XX/XXXX, I reviewed my escrow account to find an additional charge for a Flood Insurance Policy that Freedom Mortgage applied to my account without my knowledge or approval. I have called Freedom mortgage daily and have been unable to speak to anyone. Its either a dropped call or just a cycle of menus. Today XX/XX/XXXX I finally got through to another live person who told me that the charge is to cover the previous year XXXX. She stated that because I did not have coverage, Freedom Mortgage needed to apply it for me. I asked to speak to a Supervisor and there is NEVER one that is available. The customer service staff will do anything to keep you from speaking to anyone else. They always ask you to remain on the line while they look over your account. The customer service rep said that I can call XXXX. She said she submitted a request for a review on my account and someone should contact me by XX/XX/XXXX. In the meantime, my escrow balance is negative {$340.00}. Freedom Mortgage failed to notify me when they stopped payment on the Flood Insurance check. They did nothing to alert me knowing that Flood Insurance is a requirement on my mortgage. Now that I have provided them with proof they want to go back and charge me for coverage I did not have. I have tried to reason with them and they say nothing, however, they have no problem tacking on charges and applying predatory lending type penalties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I recently refinanced with freedom mortgage and today received the first mortgage statement. The amount due is {$2600.00}. The interest rate is shown as 3.25 %. When I talked on the phone the rate agreed on was 2.25 %. Also I was to skip XXXX and XXXX payments. New Payments are listed as {$1300.00} and a overdue payment for {$1300.00} is listed this would be for XXXX. Both the interest and the XXXX payment are incorrect, I have not been able to look at what I signed from all the emails. The outstanding principal on the statement is {$240000.00} with an deferred balance of {$7900.00} and the interest rate of 3.25 %. This rate I first agreed on is 2.25 %.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97754
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A