Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

FHA mortgage Loan modification,collection,foreclosure California

I have been working on a modification with my current lender Freedom Mortgage since -/-/16, the file was deemed complete on -. Every week that I call Freedom Mortgage they provide a different dates it was deemed complete until I read them the previous weeks notes and then they confirm I was correct would be the first problem. The start of the problem is according to the Lender the file goes to underwriting to see if they have all documents and then the file gets assigned to a single point of contact after they decide to deem the file complete which according to the weekly calls was completed on -/-/16 as I mentioned earlier. I was informed that the file would have a decision on -/-/16 and assigned, I called today and the file is not assigned and there was no decision on the - of - nor today which is now the - and we are 40 days from when the file was deemed complete. The representative that I spoke to today stated that the 30 days for underwriting does n't apply to Freedom Mortgage because they can go up to 45 days. According the the CFPB guidelines the lender is to send a notice to all clients stating that the file is completed and the 30 days starts then, no letter has been sent nor received and Freedom Mortgage is not in compliance. I will not let Freedom Mortgage victimize me and take away my rights as a consumer when guidelines have been placed for all services to comply to ensure proper procedures are being followed.