Date Received: 2020-02-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Last year in early 2019 my family had a financial hardship. My mortgage company Freedom Mortgage worked with me to get a modification on my loan to lower my payments. I am very grateful for this company and do appreciate the new payment amount. However, I was not informed on how long of a process this would take. I provided all my documents in a timely fashion and the process took much longer then it should. If I would have known this would cause me to miss 7 months of mortgage payments and decrease my score and my wife 's score drastically, I wouldn't have made this decision. This has affected my financial situation in a different way now. This modification process just transferred financial stress from me not being to pay my mortgage company to now not being to pay all my other accounts with other companies because now my interest rates are extremely high and I can't keep up with the payments. This has put financial stress back on me and my family & I know this isn't the goal of a loan modification. I worked really hard to get a XXXX credit score when I bought this home and now I'm in the low 500 's ( and XXXX my wife ) because of the long process I was unaware of. I did call several times during the modification process as was worried something was wrong since it did take so long to get completed. I have called to speak to someone at Freedom about possibly removing some or all of the late payments but they said they are unable to do so. Again, I'm so very grateful for the modification but I wasn't informed on how long of a process this would take and would have taken that into consideration before going through with this process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had 2 issues with Freedom Mortgage corporation. Issue 1- In XX/XX/XXXX I made the decision to pay for my home insurance directly. Freedom Mortgage contacted me to say they were going to place a Forced Insurance Policy on my account because I did not have insurance. I informed them there was a policy, and they asked me to upload a copy of the document on MyCoverageInfo.com in XX/XX/XXXX, XX/XX/XXXX ( when I was made aware the issue was not resolved ) and again in XX/XX/XXXX when I followed up. My browser history confirmed I had done this multiple times. To date, I have not received my reimbursement for the cost of their forced insurance coverage. This is the 2nd time they had done this, as they charged me again in XX/XX/XXXX and only credited 1/2 of the policy back to me. Over a dozen calls to customer service did not resolve the issue. Issue 2- I sold my home on XX/XX/XXXX. The title company paid 100 % of my XX/XX/XXXX tax bill. Thus, all of the money in my escrow account should have been refunded to me in 30 days per Federal Law. As of XX/XX/XXXX, Freedom Mortgage confirmed they are going to pay the county my tax bill, wait for the refund ( because its already been paid ), then send me the balance back within 14 business days after they receive it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Filed a loan modification in XX/XX/XXXX ( due to issues with hurricane Irma ) with Freedom Mortgage. Made all payment as required on time. Began getting notices of no payment. Supplied proof of payments and dates. Problem escalated recived letters saying we owed upwards of {$22000.00} dollars. We hired an attorney. Freedom Mortgage acknowledged the mistake multiple time over the course of multiple hour plus long calls. We had promises of reviews, returned calls, and corrections to our credit. Nothing promised by Freedom Mortgage was done. XX/XX/XXXX payment was refused and returned. XX/XX/XXXX Freedom Mortgage informed us via conference call with our attorney that they had filed for and were proceeding with foreclosure. Our attorney requested that the service be sent to there address. The representative went so far as to refuse to acknowledge that they would comply. We are still making our payments to a trust set up by our attorney. Due to the false derogatory reporting on there part, we have had an increase in our auto insurance rates, we are unable to refinance with another company taking advantage of the lower rates, and accessing the equity in our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: THEY REFUSE TO PROVIDE PAYOFF FOR A REFINANCE. I sent an authorization for payoff on 4 occasions each time they open a " ticket '' then close it without providing the payoff. They requested I change the name on the payoff as my name changed after marriage I have sent everything they have requested and they will not supply it. I sent the first payoff request with my new last name on XX/XX/XXXX. They said the wanted it my old last name sent it on on XX/XX/XXXX then again on XX/XX/XXXX the final one was sent on XX/XX/XXXX. Each time they close the ticket without response. I call in and they say a manager will call me back as they are all busy and no one ever calls back. If you ask to be routed up to a manger they are always busy. If you ask for the payoff department you are told they do not have a direct line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX This short sale was started a YEAR ago with Freedom Mortgage. Freedom Mortgage has been defrauding their investor for the last year by continually coming up with excuses as to why their file is not complete. The latest round of delaying tactics is to claim they dont have documents that we not only sent them a year ago, but have sent them multiple times, repeatedly, ever since. Even after we confirm they have one document they will ask for something different on the next phone call, claiming they dont have it even thought it, too, has been sent multiple times. This time they asked for the purchase contract, which we had just sent them ( again ) on XX/XX/18. *********THIS IS NOT ACCEPTABLE*********** Freedom Mortgage is defrauding their investor by delaying the decision on a short sale. We have had issues on EVERY SINGLE FILE WE HAVE WITH FREEDOM MORTGAGE AND THIS NEEDS TO STOP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I initially reached out to the DBO because we were seeking assistance with modifying our home, as we had not yet be asked or given any chance. In our initial email to Freedom Mortgage, and per their direction on their website and MAA package, we were to email them at " XXXX '' on XX/XX/XXXX. Within that email, I outlined exactly what was attached to the email : Financial Statement, Verification of Hardship ( Letter ), Signed 4506-T Form, Proof of household income : ( pay-stubs for the last 30 days, and IRS tax returns ), Bank Account Statements - 2 most recent, and an Authorization from our BK Attorney, so that they may contact us directly. Upon sending that email, we received an email confirmation. We later received a letter from Freedom Mortgage requesting a Hardship letter and a copy of our XXXX tax returns. Within that letter, they requested that the information be sent to them no later than XX/XX/XXXX. Please note, this information was sent to Freedom Mortgage on XX/XX/XXXX, via email. Of which, we received another email confirmation back from them. Today ( XXXX XXXX, 2020 ), we received a letter from Freedom Mortgage dated XX/XX/XXXX, indicating they have " ... closed our review ... because they did not receive ... " Properly Executed IRS Form : 4506-T and Documentation to Support Hardship. '' Please note that the 4506-T Form provided was what I downloaded from their website. At no time did anyone contact us or provide us with any information indicating what is not " proper '' about it? You would think we would be given a chance to correct it, assuming it's not accurate? Additionally, at no time did we get asked to provide " Proof of Hardship. '' We were only asked to provide a hardship letter. Shouldn't that have been something they should have said from the start? Instead, they decided to close out our review and not give us any chance at all. This again shows that they are not trying to help us, as customers retain our home. Please note that I do not have any messages or calls from any, either. Which, I provided them proof of authorization from our Bankruptcy Attorney, so I'm not sure why we didn't receive a phone call or a letter with these specific requests?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had two loans with JG Wentworth Home Lending ( JGW ), both of which the servicing was transferred to Freedom Mortgage ( Freedom Mortgage purchased JGW 's loan portfolio ). Loan # 1 refers to the loan I have on a rental property. Loan # 2 refers to the loan I have on my personal residence. The issue I am having is in respect only to loan # 2, which I closed a refinance on in XX/XX/XXXX. I would like to preface this by saying my credit scores were in the upper 700s and I have never had a late payment on any of my accounts. I received a letter from JGW on dated XX/XX/XXXX advising the servicing of my loan ( loan # 1 ) would be transferred on XX/XX/XXXX and that any payments after that date are to be made to Freedom Mortgage ( letter attached ). Since this letter only referred to loan # 1 ( and since I never received a servicing transfer letter for loan # 2 ), I contacted JGW on XX/XX/XXXX and inquired if I was to make payments for loan # 2 also to Freedom Mortgage. I was instructed by the Customer Service Representative ( CSR ) at JGW to make my payments for loan # 2 also to Freedom Mortgage. I made the payment in the amount of {$310000.00} to Freedom Mortgage as instructed on XX/XX/XXXX XXXX proof of payment attached ). In late XXXX I received a letter from JGW dated XX/XX/XXXX advising me they had not received my payment for XX/XX/XXXX XXXX letter attached ). I contacted JGW on XX/XX/XXXX to inquire about why I received the letter and the CSR said it was in error, I didnt owe anything to JGW, and that I needed to call Freedom Mortgage to make sure the payment I made on XX/XX/XXXX was properly credited. I called Freedom Mortgage and they said the first payment that was due was for XX/XX/XXXX and that the payment I sent on XX/XX/XXXX was credited to that due date. I called JGW back to try and resolve ; I was willing and able to make the past due payment at that time, but I was told not to send a payment as they had no place to apply it. I told them I was concerned this payment would be classified late and would hit my credit report as I had not made the payment to either JGW or Freedom. I was told by the CSR that it would not hit my credit report ( and no late fees ) since this payment was captured under the provisions of RESPA. He told me to wait until things settled down in XXXX and the transition was complete ; I could then make my payment to Freedom Mortgage. On XX/XX/XXXX or thereabouts, I received a notice from XXXX XXXX that my credit score dropped 110 points as JGW reported my XX/XX/XXXX payment as XXXX days late. I immediately contacted JGW and spoke with a CSR ( XXXX ). She advised I contact Freedom Mortgage because I couldnt make the payment to JGW as there was no loan to apply it to. I also tried to make the payment on the JGW website, but that feature was no longer available. XXXX also confirm my discussions with JGW on both XX/XX/XXXX and XX/XX/XXXX in which I was told to pay Freedom Mortgage. She didnt know why JGW reported me to the credit bureaus since I was supposed to be covered under RESPA. On XX/XX/XXXX I followed up with a phone call to JGW ( spoke with XXXX ) and I explained my situation. She advised I send my supporting documentation to XXXX, which I did. She also advised I open a dispute with the credit bureaus, which I did. She didnt know why JGW reported me to the credit bureaus since I was supposed to be covered under RESPA. I followed up with CSRs XXXX and XXXX and again explained my situation. Although empathetic, they said there was nothing they could do and that I needed to wait until I heard back from XXXX. However, both said JGW shouldnt have a problem removing the erroneous entry from my credit reports since it was clear from the notes in my file that JGW instructed me to pay my XX/XX/XXXX payment to Freedom Mortgage. On XX/XX/XXXX I received an email from XXXX ( attached ) that my inquiry was reviewed and denied. No explanation, just that it was denied. I contact JGW again and spoke with XXXX, and then her supervisor, XXXX ( I think that was her name ). I explained my situation ( again ) in detail, but was told that the review was completed and denied and that there was nothing they could do. I was not permitted to receive any feedback or explain my situation to the individual who investigated my claim. This appears to be just a big misunderstanding because I had two loans with JGW which transferred at different times ( one on XX/XX/XXXX and one on XX/XX/XXXX XXXX, and I was given incorrect information by no less than two JGW CSRs. I never asked for my loans to be transferred to a new servicer and now my credit has been severely compromised as JG Wentworth will not take responsibility for the errors made on their part. I tried to resolve this issue amicably, but JGW gave me no other alternative than to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We are making a formal complaint against Freedom Home Mortgage. They have mishandled our familys mortgage account, failed to pay taxes in time or in in full as required by RESPA, charged late fees for on-time payments, reversed payments after the mortgage was released, have given baseless information and reasons for their actions, and have failed to respond to Notice of Errors in a timely and accurate manner. We sold this property in XX/XX/XXXX and found out 2 days before closing that Freedom had not paid taxes on time and in full for almost 2 years, accruing {$1000.00} in past due taxes. We had contacted them back in XX/XX/XXXX and they stated that they were responsible for the taxes that were delinquent and would pay them through their corporate account. We followed up with this issue in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX and was told that they would have it completed by XX/XX/XXXX. In XX/XX/XXXX we learned that they did not pay the taxes and put the taxes due into our payoff calculation. We contacted a " supervisor '' from the tax department named XXXX who refused to answer why they did not pay the taxes when they said they would. All she would say was that the account was paid in full and the taxes were paid to date. She made appointments with us that she did not meet and we left multiple voice mails and messages for her that she has yet to answer. We demand that they refund us the {$1000.00} in tax that they are responsible for. While we were speaking with other Freedom " supervisors '' we also found out that they had made multiple errors in our account. They had scheduled a tax payment in XX/XX/XXXX ( that would have covered the delinquent taxes ) but reversed it and instead of placing these funds in escrow they put the refund towards XX/XX/XXXX and XX/XX/XXXX payments. They did not inform us of this so at closing we had paid all way up to XX/XX/XXXX and our payoff reflected this. We did not give permission for these amounts to be placed towards our monthly payments and they should not have made the monthly payments without informing us prior. We spoke with multiple supervisors to have the 2 months reversed to us as this was their error and our payoff also covered all the way up to XX/XX/XXXX. They agreed but they never refunded us those 2 months. We demand that they correct their mistake and refund us those 2 months as they had stated they would do this in XX/XX/XXXX. Instead of refunding the payments we learned that Freedom reversed all the account activity in our account starting in XX/XX/XXXX until XX/XX/XXXX. They also reversed the payoff. They reversed the XX/XX/XXXX payment, did not reapply it, and then charged us a late fee. They made 2 extra payments in XX/XX/XXXX of {$690.00} and {$730.00} even though I had already made a payment of {$690.00} in XX/XX/XXXX. They reversed my payment in XX/XX/XXXX of {$690.00}, did not reapply it, made a payment of {$730.00}, and also charged a late fee. They reversed my mortgage payment that was made towards XX/XX/XXXX and place it into escrow instead of refunding this, despite our contract stating that funds would go towards the principle balance before escrow and us calling multiple times to demand this refund which they had agreed to in XX/XX/XXXX. They also did not refund the month of XX/XX/XXXX as we had demanded. All together, they charged {$40.00} of late payment fees for the months that they reversed that we had paid, and they took this amount out of the payoff payment. All this activity was done after we received the mortgage release documents. I've attached our monthly mortgage statements to support this. A supervisor informed me that these were in-fact in our account activity and that a ticket would be made to address these issues. We called back about this a month later and was told that there was never a ticket made for the issues from that phone conversation. The notice of error that arrived after this stated that there were no errors made but did address the account activity that we had questioned. At this time, we had our lawyer write a request for a meeting. This letter was never responded to. He then wrote a demand letter based on the information that we had compiled. The only response he received from this was a 3rd party authorization form. We had to contact them by email to demand that they send our letter to their legal department, which is standard procedure. After this, we also found out that Freedom had reported us to the Credit Bureaus as being 2 months late on mortgage payments that they reversed after closing. It took 2 months for them to fix this issue. A " supervisor '' named XXXX XXXX was our main contact for this. He never made any of the appointments he set and since XX/XX/XXXX we have yet to hear a response back from the voicemails we left for him. We also left a voicemail with his supervisor that was never responded to. In XX/XX/XXXX we received a response stating that the issues stemmed from the past owner owing taxes, which was completely false information. We sent in the tax records from the county to prove this and also verified with the title company that this was false. In XX/XX/XXXX, we sent in a response to their letter. Ive attached that to this complaint. We spoke with another supervisor in XX/XX/XXXX when we were not able to get a hold of XXXX named XXXX. He was the one who told us to email a response to the letter. Since XX/XX/XXXX of this year we have not heard back from him. He also never met any of the call backs that he scheduled and has not responded to any voicemails that we have left for him. Despite stating that he worked from XXXX-XXXX each time we called him. Despite dozens of phone calls since XX/XX/XXXX weve only received 4 responses from the Notice of Errors about these issues. All 4 responses are completely different, have incorrect information, and have not addressed all the issues. We've responded to 3 out of 4 of these in writing, demanding them to answer our questions and to correct their errors. We've also sent in information that has debunked their responses. It is confusing to us why they are recognizing their mistakes and errors and they tell us they will fix them over the phone but then when we get an official update they always state that they have not done anything wrong or found anything wrong despite their activity logs proving otherwise. In XX/XX/XXXX the final response was supposed to be sent out but we did not receive it until XX/XX/XXXX. XXXX said that he had reached out to the legal department to ask that someone contact me as the response had incorrect information again. That never happened. We made multiple phone calls before someone emailed me the response letter. We were also told that the past 2 months of calls were not being noted in our account but were being discussed via email in the different departments. The letter of response from the legal department on XX/XX/XXXX had yet again another reason as to why Freedom was not at fault and this time they were blaming the tax issues on the past mortgage company. This was signed by XXXX XXXX who based her response from information from the tax department, despite this department being the one who had made the errors in not paying taxes and misapplying funds in XX/XX/XXXX. The tax department also previously stated that there were no errors made and then later stated that the issues were due to past taxes owed by the previous owner, which are both baseless. XXXX was now stating that the taxes werent paid at closing by the previous mortgage company, when they were paid correctly according to the closing documents, the title company, and the county. Their response was an issue that we had previously contacted them about in XX/XX/XXXX when they increased our monthly payments due to a shortage in escrow. At that time, Freedom did not state that there were any issues from closing. In their last response, they yet again did not answer any of the other questions that we had in our email. We called XXXX office and left a voicemail asking to speak with her and informing her that we were not satisfied by her response letter. We called Freedom and spoke with another supervisor named XXXX who basically told us that everything we were saying was subjective despite the fact that all our information had been taken from everything that Freedom had given us. She scheduled a call back with us for XX/XX/XXXX that we have yet to receive. We received a call back from XXXX XXXX on XX/XX/XXXX who stated that XXXX XXXX received our voicemail about the last response letter. XXXX started the call by stating that she was there to try to make sure she had a good understanding and that all issues had been resolved. By the end of the phone call she was talking over us, completely ignoring what we were saying, and then stated that nothing was probably going to come out of the phone conversation. She was telling us that we had to send in the other information that we were sharing because that was not in our notice of error communication, and we corrected her by stating that everything we were sharing was information included in our first letter sent last summer. She asked us to tell her the points that we still had questions about and we again had to reiterate the same exact issues we have been stating since XX/XX/XXXX. She also stated after 45 minutes on the phone that she wasnt actually going to be able to do anything. Despite us stating that they hadnt done anything to resolve the problems and that they were still stating wrong information, she kept insisting that the issues had already been addressed. She stated that everything was paid accordingly and that the fees were paid by Freedom, which we kept correcting her about, as we had paid those fees out of our payoff. She insisted that Freedom covered the penalty and tax fees but we informed her that we have record and confirmation from the county that those were covered by the title company at closing as part of our payoff. Record that we had already sent Freedom in XX/XX/XXXX, that they apparently didnt do anything about. She also stated that she had no access to our full file despite stating at the beginning of the call that she had all the documents in front of her. She stated that we would be getting a response back at the end of XX/XX/XXXX and we have not heard anything at this point. At this point, we have spent countless hours attempting to resolve this with Freedom who has just ignored the facts, have given us the around, and incorrect information for over a year. We are demanding, yet again, that they pay the taxes of {$1000.00} that they said was their responsibility back in XX/XX/XXXX. We are also demanding that they refund us the 1 month of mortgage payment that they reversed from our account, the mortgage payment in XX/XX/XXXX that they never reversed, and the {$40.00} in late fees that they added in XX/XX/XXXX. The account activity logs that they have sent us clearly show that they made these changes after our mortgage was released on XX/XX/XXXX. Activity that was done without our knowledge or consent. Weve attached the mortgage records, response letters from Freedom, our letters and emails to Freedom, the tax records, and the account activity log. We also have recorded phone conversations from the past year that we can provide if needed. We would like this resolved as soon as possible as we have been demanding them to fix their mistakes since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The banks sends out automatic notices every year to the customers to provide insurance regardless of history, loan to value etc. The bank doesn't try to get insurance policies directly from the previous year broker on file. The bank make it purposefully difficult to provide existing insurance policies and customers have to fax/upload insurance policies multiple times and confirm receipt via phone.The bank automatically creates escrow accounts knowing the majority of customers doesn't respond or provide incomplete information to their policy. The bank then charge customers for insurance policies above market rate to earn higher commissions from the insurance to take advantage of consumers. Most of the insurance policies they take out are double coverage and rates because consumers already have insurance on the property. In XX/XX/XXXX I realized that the bank added insurance to the escrow account for years without notifying me. All communications was wrongly sent by the bank to my tenant at the rental property which wasn't the billing address on file. The bank already had my previous policy on file knowing that the HOA cover all insurance for the policy. In XX/XX/XXXX I asked the bank to forward me the correspondence with XXXX XXXX to request my policy. The bank faxed me a document with hundreds of pages of sensitive information of every mortgage holder that also has a insurance policy with XXXX XXXX. See the attached proof of insurance for the exterior and interior of the home which I provided multiple times. The bank doesn't except the policies and keeps on charging me for insurance. I have multiple mortgages with multiple banks. In my experienceFreedom Mortgage is taking advantage of lower income consumers that doesn't have the expertise and resources to resolve the administrative burden that the bank creates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92679
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Freedom Mortgage has fully taken advantage of me charging additional {$10.00} dollars a month extra this whole time since the I had them for my loan provider. In my state of Missouri, Freedom Mortgage should not be charging consumers extra {$10.00} dollars more making mortgage payments. I spoke to them many times about this situation, and they mentioned we are not charging you these amounts, but unfortunately I call Freedom Mortgage on XX/XX/2020 she mentioned we are charging you {$10.00} more and showing in there system. Also I show them my insurance has been lower and my payments are still the same as last year. They are taking their time to make any changes of lowering my mortgage payment. They receive new escrow analysis last year and they still got me paying the same amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64155
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A