FLAGSTAR BANK, FSB
Consumer Complaints
There are over 2652 complaints on file for FLAGSTAR BANK, FSB. Dated between 2019-12-13 and 2011-12-23.
Complaints Page 12
2019-04-11
Alpharetta, GA
Problem with a credit reporting company's investigation into an existing problem
Mortgage: FHA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-11
Savannah, GA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
San Francisco, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
Walden, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I submitted a PMI removal request to my servicer ( Flagstar ) on XX/XX/XXXX. They have failed to take action on it as of XX/XX/XXXX. I have contacted them multiple times attempting to get them to do their job.
I believe they are stalling so that they can cheat me out of additional PMI payments.
Flagstar continues to stall by saying the request will be reviewed in 24-48 hours, and then not taking action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
Denver, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Anglesea, NJ
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Albuquerque, NM
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I developed XXXX XXXX and fell behind on my mortgage. I had been a perfect paying customer for the 12 years leading up to that point. Flagstar is my mortgage company. They would never tell me when I would go into foreclosure. All they would say was that there wasnt a sell by date yet. I now know that missing payments and having a sell by date are miles apart. When I called them to make my missed payments, they would not accept one payment when I was two months behind. They would not accept two payments when I was three behind. Finally I had the three missed payments along with the late fees etc., and they would not accept them due to the fact that I was 4 days in to the 4th month. The first fell on Saturday. When I tried calling on Monday the 3rd, they had closed for the day. I wasnt aware of the hours and there was a time change. I called on the XX/XX/XXXX and she told me she would not accept my three payments and I was going into foreclosure. It turns out that this happens in the 4th month. This was told to me quickly, even though I had been asking them this question on a weekly basis for the 3 months prior to this and nobody seemed to be able to give me a straight answer. This is part of the many tricks they use to put you into foreclosure. Flagstar has so many under handed tricks to draw out this process that I would be typing for 2 weeks to list them all. I have proof for all of them though and am filing a complaint with both the attorney generals in New Mexico and Michigan, the state senators and congressman of both New Mexico and Michigan, and the Federal Trade Commission if I cant get any resolve to this problem. In a previous complaint Flagstar stated that they told me three payments were due and that I didnt have the three payments to give them. They say that I made a partial payment and it was returned. Thats a lie. The only payment that was returned to me was in the second month. When I was two months behind, I had called to make one payment. The woman said her computer wouldnt accept just one payment and that I should mail it in. I did and it was returned. The fact that Flagstar is saying that I was told I needed to make 3 payments tells me that making three payments that day would have been acceptable. I want Flagstar to go back and listen to the recording and read the notes from that day. I also would like to see what payments they are talking about that they say were returned and what date that was on. Everything they said in my last complaint was a lie. When I responded, nothing happened. They never responded and the case was closed. I also need this information for my other complaints I am filing should I not get a satisfactory response from them. I can compare it to what I have and prove they are lying. I never should have gone into foreclosure. I want my mortgage to be back where it was when this happened. Ive spent {$6000.00} in attorney fees which I want reimbursed. I want this removed from my credit report. I will then refinance my mortgage with another company and never deal with Flagstar again. I also have proof of illegal and unethical dealings from their attorneys, XXXX XXXX. I have a long list of people they are foreclosing on in the XXXX Area and am in the process of gathering more addresses outside the XXXX area. I will be sending each address a letter asking them if they think they have been treated fairly. I plan on filing a class action lawsuit against XXXX XXXX with this information and also possibly filing one against Flagstar if I dont get resolve from this complaint Im filing with you today. I am prepared to start mailing out letters immediately. Flagstar and their lawyers have to answer for their shady underhanded practices and as Ive said before, I have plenty of proof that would certainly warrant investigation. Im going by Flagstars own words when they responded to my last complaint that I should have never gone into foreclosure and I can prove they are lying. The date of this recording of me trying to make my 3 payments and them not accepting them was on XX/XX/2014. I want a copy of that recording and a copy of the notes that were taken that day along with a copy of the returned payment they claim I made from that day that didnt satisfy the debt. Also, when I qualified for the home modification, I wanted a copy of the outrageous charges I have from their lawyer. They dont at all match the charges I have from them on the back of my mortgage statements. They refuse to give them to me. Its not right that they can charge me some blown up fees and not give me an itemized accounting for them. Since I refuse to sign the final paperwork without this information, they have resended my home modification and want me to start the application process over. It took 4 years for them to accept my first application even though my lawyer sent in all of the required paperwork several times. I have proof of that and can prove that they only did this as a stall tactic. The CFPB also warned them not to foreclose on me but they have ignored this. They are saying that I didnt return the paperwork back to them in time. They left out the part about them giving me the runaround when Ive asked many times for a breakdown of their lawyers charges. They tell me to call the lawyers who tell me to call someone named XXXX who tells me to call Flagstar who tells me they will get it out to me but never did and then tells me to call the lawyers after 3 weeks of me waiting to receive the paperwork they said they would send. Flagstar needs to be investigated and I would be happy to turn in my 37 pounds of paperwork to get it started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
Houston, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
Freestone, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
Lewisville, TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I've had a mortgage loan with Flagstar Bank since XX/XX/XXXX. My taxes have been deferred due to my XXXX XXXX since about XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes, however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX, I received a new escrow analysis from XXXX with my payment going from {$900.00} to {$1700.00} because XXXX paid my taxes which resulted in a negative escrow balance. I called XXXX and told them that my taxes were deferred which was also reflected in their system. They said it a mistake on their behalf and would be corrected, they would start working on getting a refund from the county in which they paid. On XX/XX/XXXX they informed me that there was nothing that could be done because they couldn't get their money back from XXXX County. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. On XX/XX/XXXX, they withdrew the full {$1700.00} from my bank account. This resulted in my bank account going into the negative and all pending payments sent for bills were returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake which they're unwilling to take accountability for. Additionally I never received correspondence indicating their decision to keep my payment at the higher amount. Even though I was told by the escrow department back in XX/XX/XXXX that my issue would be considered " high priority ''. However I didn't find out until the debited my account for the {$1700.00} instead of the {$900.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-03
PA
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Seized or attempted to seize your property
Complaint: I am currently in default ( missed 2 payments ) with mortgage company ( Flag Star Bank-Mortgage ). I am being harassed, discriminated again and violation of mortgage contract. The property has been up for sale since XX/XX/XXXX and Flag Star was advised of this. The property is still on sale and has a sale sign out front on the lawn. On XX/XX/XXXX, I came home to a note on my door by XXXX XXXX ( a property preservation company hired by Flag Star ). The note stated they were informed that the property was vacate and will be sealed or winterize if no contact is made within 3 days. I called XXXX XXXX and was advised that I needed to contact the Bank. I contacted the bank and advise them that I still reside in the property and that it is currently for sale. They advised me that, because I am default, I will still receive phone calls, mailings and visits but they will document that the property is up for sale. On XX/XX/XXXX. I was advised by my next door neighbor ( I was at work ), that there was a truck in my drive way and was I expecting anyone. I told her no. She stated she will see what's going on as the truck and 2 men did not have any company logo on but she seen them walking around my house. When my neighbor went outside and looked, she didnt see the men. She than ring the door bell and 1 male answered. She advise them that my neighbor lives here and did not authorize anyone in her home. The male stated the bank told them to come here but since someone is occupying the property that they were leaving, they don't want to be involved. I called the police and advised them of the matter. The police advise me that it was a civil matter. However, they contacted the company regarding the matter. I also contacted the bank and advise them of the situation. The rep told me no one was supposed to go into the property but that I will continue to have visits, mailings and phone calls because of the default. XXXX, also contacted me and stated they have documented that I called XX/XX/XXXX. However, the bank never contacted them confirming that I occupy the property. They also stated they took pictures of my home and that it " looked nice ''. When I came home that evening, lights were left on, cabinet doors left opened and I still do not know how the 2 men from XXXX entered my home ( w/o my authorization ). I am in fear that I will continue to be harassed and that one day I may come home and the property is seized w/o proper authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-02
Scottsdale, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I am writing this letter to document my formal complaint against Flagstar Mortgage Company. I am deeply disappointed with Flagstar as a mortgage provider. I have owned a home and dealt with mortgage companies for over 16 years and the four months at Flagstar have been the worst experience Ive ever had. On two occasions my payments have been lost in the Flagstar system. This has led to harassing phone calls to me about missing my payment.
In my most recent payment issue, my XX/XX/XXXX payment was sent through my Bank Bill Pay. The payment was mailed on XX/XX/XXXX. Flagstar began harassing Robo calls to my phone around XX/XX/XXXX. On XX/XX/XXXX my check was processed and deducted from my account balance. Flagstar continued to send automatic Robo calls to my phone. I returned the harassing phone call on XX/XX/2019. I was met with a condescending phone representative who insisted that my bank had withdrawn the assets before sending the check. She did not attempt to research my request. The representative then put me on hold with no warning or explanation. I disconnected the call and called back. My call was immediately disconnected. When I called back for the third time, I spoke to a reasonable representative. She was polite in hearing my issue. However, the missing payment was still my issue to solve. I had in hand check images that showed a time stamp of the check being received on XX/XX/2019. I was instructed to email Flagstar with my check images. I followed the direction.
It further disappointed me that Flagstar did not reply to my email to even acknowledge they had received my request to investigate the location of my mortgage payment. There was no follow up communication or explanation to why my funds were cashed on XX/XX/XXXX but unaccounted for eight days more until I contacted Flagstar.
I have the corresponding images I sent to Flagstar to prove my payment was in their possession. I believe to cut costs they use a lock box, and this led to the mismanagement of my payment transaction. This is not the first incident. I had a similar experience with my first payment in XX/XX/XXXX. It was not lost in the system as my XX/XX/XXXX payment was misplaced.
How can I request to be transferred to a competent mortgage company that does not use short cuts like lock box and then automated Robo calls to harass its customers when their system caused the issue?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-01
Holly Springs, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-01
Bohemia, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I recently became aware of the XX/XX/XXXX CFPB Enforcement action against Flagstar File XXXX. I have the necessary documentation to prove that I was an " affected consumer '' under this action ( a copy of the Note from closing in XX/XX/XXXX and the assignment from when Flagstar sold my loan in XX/XX/XXXX ). I was never notified as required by this order. As a result, I was denied the opportunity to explore what modification options would have been available to me.
I want a complete explanation of why my loan was not identified. I want a copy of my complete loan file. According to the enforcement order, Flagstar is required to retain my file until five years from the order date of XX/XX/XXXX. I also want a direct contact to deal with at Flagstar.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-01
MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Company acquired our mortgage from original lender last summer. At the time, we were told that all practices with previous lender would be assumed by the new company. One of these was the annual payment of our county taxes. As we had not any issues with original lender, I did not worry about any issues with the new bank. However, the check writing company used by the new bank improperly coded the annual payment made in XX/XX/XXXX such that half of it was sent back. I was never notified of this error. Rather, I became aware of it later in the fall ( early XX/XX/XXXX ) when I received an invoice from our county tax office indicating that I owed the second payment. When I called the tax office to inquire as to why, I was told of the check writing company 's mistake ( again, I never received any notice from the new bank as to this error ). Moreover, I was told that the company had realized their error in the previous month and were working to make sure it was not repeated going forward. However, the company made no effort to correct the past error. I called the new bank to inquire and confirm that they would be making the 2nd payment. I was told that they were working the issue and would pay the taxes in time. Trusting them, I wrongly assumed that everything would be properly taken care of. Thus, i was very disappointed to see that my taxes had been paid after the deadline ofXX/XX/XXXX and that I was therefore charged a 1 % late fee. When I called the bank to complain in mid XX/XX/XXXX, I was given the run around and only recently told ( after multiple follow up calls ) that it was my fault that the bank was late in paying my taxes - and that they therefore would not be reimbursing my account the 1 % late fee incurred. The exact reason for this reasoning is still unclear as I thought that was why I paid into an escrow account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-31
Republic, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-29
Kissimmee, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-28
NC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Our mortgage payment has remained the same for quite a while. Recently I noticed a small decrease in our monthly payment which was then ( after three months ) followed by a significant increase in our monthly payments. As I investigated the reasoning for this I discovered that the monthly PMI was being paid for in random ways. For example, it may not be paid one month and then be billed twice as much the next month. At one point there were four months worth of PMI paid for from our escrow account a one time. While this was occurring we were informed that there was an escrow shortage. Our monthly payments were increased by just over $ XXXX/month. The lender is unable to explain why the PMI has been taken erratically, why there is an escrow shortage, and can not justify the amount of the monthly increase. Numerous calls to the company have resulted in no results and continued promises to investigate that are not accomplished.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-27
Utica, NE
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-27
Finley, WA
Trouble during payment process
Mortgage: VA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-27
Chatt Hills, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-27
Wonder Lake, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Since XX/XX/XXXX, I have been trying to modify my loan with Flagstar Bank. I have sent them THOUSANDS of documents. On my last call in XX/XX/XXXX, I mailed and faxed EVERYTHING the gentleman XXXX instructed.
When I called him back, he tells me FILE INCOMPLETE. I said WHY? And he said I must explain all deposits over 500.00. I asked him, WHY DID YOU NOT ASK ME THIS THE LAST TIME? He admitted that he was in error.
I then sent them those bank statements. I call today to follow up and he says FILE CLOSED. I do not want to work with him any longer. I have sent them insane requests that they have asked for, and they are doing NOTHING to try and help me.
Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-27
Beacon Hill, WA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-26
Plymouth, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Flagstar Bank didnt pay the homeowners insurance policy in XX/XX/XXXX and I was canceled from my homeowners insurance policy. I was never notified that I didnt have coverage and now its impossible for me to find coverage because there is a four month lapse. My homeowners insurance is escrowed into my account. Now its XX/XX/XXXX and they continue to collect escrow even after they didnt pay the policy. Ive tried calling Flagstar about this on several occasions and no one is getting back to me. Ive left messages every time to get this issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-26
Natrona Hts, PA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: In XX/XX/XXXX, I requested any type of assistance from my lender since I fell behind on my mortgage payments. I was told to apply for financial assistance through my lender. I was asked if I applied before for a re modification and I said that I have and even stressed that I was worried that I wouldn't be approved since I already applied/ was approved in the past. Never once did they say that per FHA guidelines you can not apply for assistance within 24 months. We began the process of gathering all financial information and sent our first set of financial documents on XXXX. Over the next 2 months we went back and forth with our lender over issues stating that they didn't receive certain documents or we didn't sent the correct documents, but every single time when we would call to ask if what we sent was correct we were told yes. we spoke to numerous employees and all had different answers. We wouldn't find out that our documents were incorrect or missing until we received a document in the mail stating our package was incomplete. NO phone calls or answers to our questions when we would call to make sure they received said documents. We were always told it takes " 5 business days to review, call back on such and such date '' We also could never get in touch with our case worker in charge of our file. Never responded to messages or calls. Our case was closed 3 times over this which resulted in having to send everything over again to reopen our case. On XXXX, we received a letter that our package was complete and under review. During this time of going back and forth over missing documents, our mortgage went from being 3 months behind to 6 months behind. On XXXX I received a phone call that our request was denied due to reapplying for assistance within the FHA 24 month guideline. Not once did they mention this in the very beginning or else I would never be in this situation of possible foreclosure, declaring bankruptcy, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation