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Joined 2 years ago
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Cake day: September 30th, 2023

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  • I’ve noticed this as well, first time was Texas in 2020. I’d lived in other places prior and never noticed it. I’ve sinced moved away from Texas, and the bahavior is a lot less common here. I couldn’t figure out why people did it. My theory is, people initially stop at a reasonable distance from the next car and pull out their phone. The next car moves a bit forward for some reason, and the person on their phone doesn’t notice.



  • No no, it’s great, thanks for sharing and sorry for your troubles. As I was reading your first comment I was getting freedom vibes and then, oh shit, you dropped their name. Yay! /s

    The level of incompetence I’ve seen is peanuts compared to what you’ve been through. I looked up the specifics of PMI cancellation from the consumer financial protection bureau and the last letter they sent is simply wrong, while the second one was 99% correct. I think I’ll send them copies of the letters and ask for clarification just to be a hassel.

    Again I keep thinking AI. In what way they’re using it, I don’t know, but the randomness of the responses I’ve received makes me think nobody is at the wheel. The one time I called, the person gave me inaccurate numbers for pmi cancellation, and he said had to wait for a calculator to spit out a value. Perhaps they are interacting with an AI that dictates their output.


  • I also noticed there is something fucky going on at Freedom Mortgage. I asked them about the requirements for canceling my PMI. The guy on the phone said one thing, then I received an unrequested letter saying something else, then another unrequested letter completly contradicting everything prior, saying I can’t cancel PMI even if I pay down the principal to the PMI threshold, which I’m pretty sure isn’t how it works. I think they have AI running everything or something.