Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Iowa

first thing my mortgage started eleven years ago, started through my bank was sold to - right away, i refinanced the mortgage went to -, then over a year ago it went to Freedom Mortgage. My loan hit the 80 % LTV with - long ago and asked they drop the PMI from my loan they said id need another appraisal and to get it down to 78 % so i paid the principal down to 78 % and asked it be removed again and - said no it would only automatically be removed when my scheduled payments reached 78 %, so i asked when is that and they said -/-/2017, then over a year ago Freedom Mortgage bought the mortgage, last month they sent me a escrow projection showing me paying PMI another year ( at least ) i asked them to remove the PMI and they told me id need an appraisal.. i sent a response saying i wouldnt pay for an appraisal because not only were my scheduled payments reaching 78 % LTV -/-/2017, but that my mortgage is currently just over 72 % LTV. According to what i read about pmi insurance - should have dropped the pmi when i actually hit the 78 % LTV, but my complaint is with Freedom Mortgage, from what ive read on PMI insurance they are clearly in the wrong and violating federal law by not automatically dropping the PMI on their, i shouldnt have to request this and especially not fight with them.. obviously the loan is good standing im several thousand dollars ahead of schedule with no late payments.