Dogyote

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.

This is what we call a negative feedback loop. More CO2 emissions->more ticks->more meat allergy->less demand for cattle->less CO2 emissions

Humph, must be the genital herpes

I can't help but detect some passive hostility in your response.

Not in the US apparently

I didn't know sony made phones

Alright what phone are you using with a jack?

That's not simple. That's very specific, and you really listen for 10 solid hours? Also if you're dropping 10 hour flight money... I feel like there's a wireless solution in your price range

I bet if your parents seduced him he'd probably be more open to having sex in their house.

The battery? Mine last at least 8 hours and charge in two.

Okay, I'm going to ask... why don't you use wireless?

Edit: some results are in, and the only reasonable answer is better audio quality, although that's probably no longer true. The rest are fairly weak reasons.

Lol'd at the 10m extension cord though, thanks for that one.