FLAGSTAR BANK, FSB

2016-06-29

Huntsville, AL

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: WHAT HAPPENED Describe what happened so we can understand the issue ... After returing home XXXX in XXXX. I was unabled to work. I worked hard to pay bills, but we were n't making ends meet. I was making progress with my VA claim for benifits, but it is a very long process, which reguires several appeals to complete. We started having trouble meeting our mortgage payments, and contacted flagstar bank to help us work something out. I mentioned the Obama mortgage help plan, the lady i talked to said they could work it out, but i had to be three months behind on our mortgage in order to qualify. She said not to make payments, partial payments were unexceptable to flagstar, although i offered.After the three months elapsed i started getting default letters and harrassing phone calls. I explained to them the conversation i had with the Flagstar rep, they said they would look into it. I called her back and she said it was to late now, and that my mortgage was in default. She had a very bad attitude, and refused to talk to us any further about the matter. Flagstar claimed they sent everything to their attorneys and there was nothing furthur they could do for me I explained to them that my VA money would be coming soon, and that this just can '' T happen to me They became agitated and rude, and said i have to go to the attorney. Shortly after that conversation i received a letter delivered by the sherriff department, that my home would be autioned off in a couple of weeks.Luckily, the backpay check came in at the last minute from the VA & gt ; I was able to pay the rearage, plus attorneys fees and keep my house. We were victims of a dual tracking procedure, commnly done by banks. I had no idea until recently what dual tracking meant, and that it is against the law. I should have never been treated this way. XXXX. And am now XXXX VA XXXX. I should have been priority to them for the obama help. But Flagstar cared less. I believe we were told not to make payments even partial ones, in order for flagstar to buy time, to justify foreclosure. I have always had good credit, and owned this home since XXXX. The foreclosure status is still on my credit report. Flagstar refused to have it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-29

NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Flagstar Bank XXXX Corporate XXXX, MI XXXX Ref : Loan XXXX I am writing this letter to advise you of the difficulty of making my original mortgage payment every month, I originally bought the house back on XXXX 2001 with a very steady job and my mortgage payment history have been very good over this year 's even when my prior job lay me off and I was still able to pay on time. Unfortunately my circumstances right now have been changed because of my illness and my XXXX for long term of my life. Now I 'm trying to readjust this financial transition because the income from my long XXXX will not be at the same the half of what was my income, but I really want to keep my home. For me and my disable old mother. FYI. Regarding my case as I 'm XXXX person. If I 'm able to modify my loan with the bank and I will be folly charge of my taxes with town and with the school taxes. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXXXXXX FyI i keep trying to modified my loan many time and they keep denied me..all the time and they denied me again after my brother offer to help me and my mother with contraption monthly payment. i have the bloomberg report and we found fraud of my loan. i need help with the district attorney to file case against my FlagStar Bank. because i do not have extra money to cover the legal attorney fee.Thanks. for your cooperation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-06-28

Lansing, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-28

Moapa, NV

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: During the illness and subsequent death of a loved one, we got behind on our mortgage loan. We spoke with the bank nearly every week. When we were three months behind, Flagstar Bank told us to make two months payment to help show good faith and get caught up. We mailed two months payment in and nearly a month later, we received the money back with a letter that stated, our home was in foreclosure. They gave us a number to " who Flagstar called their lawyer '' a told us, we had to contact him. We later found out, it was a collection agency named XXXX XXXX XXXX. After telling " their attorney '' we wanted to pay the mortgage arrears, we were told to give him a few days to contact the bank and he would get back to us. Instead, the following day, a Notice of Default was filed on our property. We called XXXX XXXX XXXX back and got no response for more than a week. Flagstar refused to speak with us or offer us any resolution. Fast forwarding, we applied with the mediation program here in Nevada. We were scheduled for mediation some months later. We continued to try to get help from Flagstar, but were stonewalled. We spoke with a representative in their legal department named XXXX XXXX, who told us to tell the program we did n't want to do mediation and then Flagstar would work with us. He also told us, Flagstar would not be at the mediation. Flagstar did not show up at mediation. We have filed Judicial Reviews, Nevada Supreme Court actions and are still unable to get Flagstar to consider a loan modification ( although approval has been approve through a HUD/FHA Counselor ( s ). They refused to discuss the matter with the counselor or us. We have had XXXX additional mediation 's since then. Both times Flagstar refused to consider a loan modification and acted in " bad faith ''. In court hearings they have lied, misled the court and provided fraudulent documents and inflated the amounts of our mortgage and the amount of monies owed. They have used Trustee ( s ) that are not licensed in this state and rescinded the Notice of Default numerous times. During this past mediation in XX/XX/XXXX, Flagstar demanded documents that we so ambiguous and arbitrary, that it was not possible to provide immediately. They also demanded we provide the credit information, release of protected information, bank records and tax release information of our parents ( who are not a party to this loan, but live in the house ), under the pretense of possible consideration of a loan modification. Flagstar required I open a bank account. I, XXXX, am self employed. I pay my taxes and the IRS said I am not required to have a bank account, but because Flagstar said I had to open one, I did. Flagstar by and through their affiliate XXXX XXXX XXXX has deceived the District Court here, and made a mockery of our states mediation process. XXXX XXXX XXXX is the Beneficiary of Trust and the current attorney ( s ) of record is XXXX and XXXX which is essentially the same company ( even though, the attorney is not supposed to have any vested interest in our home ). In XX/XX/XXXX, Flagstar agreed to a repayment plan ( in order to deceive us and the courts ) with us, yet they failed to provide any paperwork, answer our calls, respond to our emails, or provide any method for us to make our payments. They have changes attorney ( XXXX ), beneficiaries and their underhanded tactics numerous times. The only option we we offered from Flagstar was in XX/XX/XXXX at the end of another failed mediation. Flagstar 's attorney XXXX XXXX, offered what he called " cash for keys ''. We were offered {$2500.00}. to give them our home. No other offers were made to help us save our home. XX/XX/XXXX, someone from Flagstar named XXXX called and said Flagstar had not received any paperwork for us since XX/XX/XXXX. We were shocked! We are devastated and need your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-21

Lompoc, CA

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-21

Jacksonville, FL

Loan modification,collection,foreclosure

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

Disputed: No Timely Response

2016-06-17

CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: During the XX/XX/2015, we decided to look for a better mortgage loan than our current one. It was an FHA loan with a modification and a first lien of {$150000.00}. After searching and reading we decided on Flagstar Bank. Our monthly payment was {$2300.00}. Two months after we had signed escrow papers and started monthly payments we received notice that escrow had made a mistake. They had included only the first six months of our property taxes. Our monthly payments were going up {$500.00} each month for the life of the loan. I asked if they had any suggestions or could help us and I was told I could sell the house. I was upset that we had paid {$7000.00} in escrow fees just to gain a monthly payment similar to the previous loan. I started to look into alternatives such as : " Keep in California '', the State Controller 's Office, XXXX, the XXXX, and HUD counseling. We were told we had too much money ; we were told we needed to go in with another person so we would have enough money ; and they did not like that we had used XXXX services. We did not have any money removed from the accounts, but a few accounts lowered the interest rate. At the same time we tried to work with Flagstar. We were assigned a Flagstar representative to help us, but she never called or e-mailed us. I finally asked Flagstaff if they could extend the new payments. They did so for one year. Later, I found out that they could have extended the payments for up to five years. At the same time they sent us a streamlined refinance, but it still had a large monthly loan payment. I currently am waiting for another loan, but have not heard anything about it. We also were given a compaints officer from FHA who sent two e-mails and a call saying that she was waiting for Flagstar to finish looking over the escrow papers. So far, this has taken almost three weeks. FHA referred me to our complaints officer 's supervisor who never did call us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-06-17

Atwater, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-10

Covington, WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-10

MA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Complaint: I have a mortgage with Flagstar Bank. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to XXXX for collection even though the mortgages are current and I continue to make regular payments. In speaking with Flagstar several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from XXXX demanding payment even though I have sent an e-mail to XXXX explaining the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-08

Indianapolis, IN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-06-07

Colts Neck, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Due to family medical issues I did not make monthly mortgage payments for about a year. Recently, I was able to find a buyer on the home and the only thing delaying the closing is the payoff statement. Twice the bank provided an expired payoff statement, which I can not use. I called the Bank 's attorney and the direct me to the Bank. I call the Bank and they direct me to the attorney. I would think not being paid for a year, the Bank would be eager to get its money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-06-04

Plano, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-03

Detroit, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-06-01

ME

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: The mortgage company that we had filed a prior case about in XXXX XXXX due to not assisting us with a modification/refinance. Is now Inaccurately reporting on our mortgage to the XXXX major credit agencies. We have submitted documentation showing we were not late from XXXX XXXX to YTD but have not received resolution and because of the inaccurate reporting we may not be able to get financing on a new home. I truly thought that after the multiple errors that we have experienced with Flagstar that we wouldnt be dealing with another issue with the same Lender. I will NEVER ever again do business with Flagstar Bank. Any assistance would so be appreciated as we do n't know what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-05-24

La Vernia, TX

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: XX/XX/XXXX I was unable to make house payments. I did paperwork with Flagstar Bank to conduct a short sale. We had aprox XXXX-XXXX offers the bank never responded to any of them. Then I did the Deed In lieu paperwork XX/XX/XXXX. The bank has seem to have accepted the home but did not change the property out of my name. The bank has been paying the property tax on the home since XX/XX/XXXX. This bank has substandard customer service. I have to do forms multiple times. I am XXXX to XXXX in 3 weeks and I need this issue resolved asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-05-24

Phoenix, AZ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Flagstar Bank is my current mortgage servicing company and they are showing me as having made late payment during XX/XX/XXXX and XX/XX/2016. I have received a letter from Flagstar Bank research department in which they state this was a mistake on there part. I would like Flagstar to resolve this issue ASAP and report my payment history to reflect as current and no late payments. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-05-23

MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I purchased variable annuity from a agent from Flagstar Bank. This agent left for some reason or other and he was told not to contact any of is clients. Flagstar also did not contact me. It was not until i called Flagstar and than they assigned agent. During this period of time I loss money because no agent was watching my annuity. The name of the Agent still appear on the Quarterly statements even after he left.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-05-22

Rawsonville, MI

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-05-20

Southfield, MI

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-05-18

Chester, IN

Loan modification,collection,foreclosure

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

Disputed: Yes Timely Response

2016-05-18

Stewart, AL

Loan modification,collection,foreclosure

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

Disputed: No Timely Response

2016-05-14

Ardmore, MD

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2016-05-11

Lansing, MI

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-05-10

Battle Ground, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response