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 43

2015-11-19

Warren, RI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage


Complaint: My servicer left a blank envelope at my door with only the words confidential and an XXXX number to call. I called the XXXX # the same day I received this ambiguous notice. The rep advised me I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my mortgage. I offered to make one full payment now for the following business day, with the entire balance of the arrears to be paid at the end of XX/XX/XXXX. The representative, and the supervisor that followed my conversation, both refused to take the payment because a demand letter had expired the day before. Instead, they are requiring the full arrears be paid now by secured funds ( XXXX XXXX or equivalent ). I specifically asked that if I had received the number and called yesterday would my payment have been accepted and I was told yes by both the agent and the supervisor. I advised the Supervisor that I was out of state tending to a family matter and the default notice they claim was sent was not received. Further, I called them immediately upon receipt of the door notice. Despite this, the supervisor and agent refused to take my payment and arrangement ( which I was willing to confirm both as payments by phone to secure the arrangement ). I am additionally concerned that my previous CFPB complaint regarding their practice of charging fees for payments and suppressing internet payment functionality may have adversely impacted their decision making process in this case.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-18

Arco, CA

Application, originator, mortgage broker

Mortgage: Other mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-18

Pasadena, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-17

Warren, MI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-17

Rockwell, NC

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Complaint: Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-16

Trenton, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-16

Cordova, TN

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Complaint: I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-13

New Britain, CT

Credit decision / Underwriting

Mortgage: FHA mortgage


Complaint: I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with XXXX XXXX in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to XXXX XXXX who had already preapproved me for a lower rate ; however, XXXX said that I could get a lower rate through Flagstar. XXXX XXXX had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I have been current on my mortgage since XX/XX/XXXX or XX/XX/2011 yet Flagstar still did a " Lockout '' on my house. They changed the deadbolt lock on me and have yet to reimburse me so I can put a new lock in which they do not have a key for. I do not have the key to the deadbolt lock currently on my door.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-13

MI

Account opening, closing, or management

Bank account or service: Other bank product/service


Complaint: I am currently in the process of looking for financing for my first home. I contacted Flagstar XX/XX/XXXX, XX/XX/XXXX to get pre-approval for a mortgage. I contacted this company because the Michigan State Housing Development Authority listed a representative named XXXX XXXX as an experienced MSDHA lender. I contacted XXXX XXXX and gave her all my required information to get a pre-approval. I spoke with her a couple times and the last time she advised me she would call me back with the information the next day. I did not hear from XXXX XXXX by XXXX the next business day, so I gave her a call. She advised me that she had actually resigned and would advise her former manager to take over. This threw me for a loop and frightened me. I was not sure if this lady was legit and I had given her all of my personal information. I contacted another officer at Flagstar named XXXX XXXX and he advised me that in order to take over my file it would have to be transferred to him. He advised me that he was not allowed to take on someone else 's case and provided me the number to corporate. I spoke with an operator from corporate who provided me the number of regional director, XXXX XXXX. I contacted XXXX XXXX twice and left one message. I never received a response back. I called the corporate branch office and spoke with a very pleasant and helpful XXXX XXXX who contacted XXXX XXXX and advised me that he would call me back after his meeting. Eventually XXXX XXXX 's former manager XXXX XXXX got in contact with me and advised me that my file was transferred to him. He advised me that he would need to call me back the next business day because I was seeking MSDHA assistance and he had little to no knowledge of the process and would need to seek assistance from a colleague. He did not call me back. So after XXXX on the day he advised me he would call me back I called him and left a voicemail message. It has been 23 hours and I still have n't not heard from him or anyone at Flagstar.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-13

New Orleans, LA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Complaint: Today XXXX/XXXX/15 I received a call from Flagstar mortgage company stated that are returning my check for {$75.00} due to me being delinquent on my mortgage. The young lady on the phone stated that it is there police to not accept partial payment on delinquent accounts. I have been delinquent since XX/XX/XXXX and during this time they have accept partial payment up until XXXX/XXXX/2015. This issue is only one of the issues I am having with Flagstar. this is the second time since XX/XX/XXXX I am filling for lost mitigation with their company. First they denied me because that stated my unemployment would run out by a certain date. this was after going several round with them not reading the paper correctly. On top of this matter the lost mitigation team never received my paper work which I up loaded on Flagstar website. Each time after receiving a call for the collection department stating they did not have the paperwork, and CSA was able to see the uploaded documents, and stated they were forwarding a note up to management and or lost mitigation that the documents are in the system. Both time I had to demand to speak to a manager and directly send them the requested information. And they requested signed copies of the loan process form that I filled out on line. This situation is getting very frustration and stressful. Bad enough I was unemployed and am now underemployed, but for them not to provide the help that stated they would and not. I am following the information my XXXX XXXX adviser stated I should do, but in the meantime I would like to resolve this issues of Flagstar not accepting my partial payment as well as their document uploading process.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-12

Coral Springs, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-11

Dunnellon, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-10

Charlotte, NC

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Complaint: My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-09

San Bernardino, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Complaint: I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-06

NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Complaint: Submitted hardship packet to Flagstar on XXXX/XXXX/15 thru a HUD approved housing counselingageny XXXX. I received an acknowledgement of receipt of my hardship packet and a misisng document letter dated XXXX/XXXX/15. It indicated my lender ( Flagstar ) required updated pay stubs and 6 months of the most recent business bank statements for all accounts evidencing continuation of a business. I responded to the lender thru my housing counselor via fax with updated pay stubs on XXXX/XXXX/15. Also on the same day, my counselor confirmed with a lender representative verbally that the authorization submitted with the hardship packet had been received and advised the representative that the request for 6 months of business bank statements was invalid because I did not have a business nor did any of the documents or the hardship packet submitted indicate that I had a business. A letter was forwarded to the lender on XXXX/XXXX/15 indicating the same. I received a second request for the business bank statements dated XXXX/XXXX/15. My counselor contacted Flagstar on XXXX/XXXX/15 to follow up and was advised that they had no authorization in place. My counselor then re-faxed the authorization ( same day ). My counselor contacted Flagstar on XXXX and was advised that Flagstar still wanted 6 months of business bank statements. The representative told my counselor that my case would be closed due to non receipt of the business bank statements. My counselor advised the lender rep that a letter had been sent and the point of contact assigned to my case XX/XX/XXXX had been notified that their was an error with this request because I did not have a business and therefore could not provide the statements requested. She also asked the lender rep to bring this to the attention of both intake and underwriting so they would review the initial hardship packet again to confirm these documents were not needed. She then faxed a second letter to the lender advising I did not have a business and could not provide business bank statements on XXXX/XXXX/15 and XX/XX/XXXX15.. On XXXX/XXXX/15 my counselor contacted Flagstar and was told that my case had been closed due to non receipt of the business bank statements. She again explained that I did not have a business so could not provide the statements requested and asked that my case be reopened. The lender rep advised her that my case would go in review to determine if they would reopen and to requested my counselor call back the following day. My counselor called on XXXX/XXXX/15 and was advised that the case was again in review.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-06

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-05

Odenton, MD

Settlement process and costs

Mortgage: Conventional fixed mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-05

Garrett Park, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-04

Palmerton, PA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-04

Rockaway Beach, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-04

Evanston, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-02

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-01

Coldwater, MI

Settlement process and costs

Mortgage: Home equity loan or line of credit


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-01

Parker, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-30

Clinton, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage


Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response


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