FLAGSTAR BANK, FSB

2015-08-24

Irving, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-08-24

Boynton Beach, FL

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

2015-08-24

Country Lakes, 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

2015-08-21

Glendale, CO

Settlement process and costs

Mortgage: FHA mortgage

Complaint: I am selling my house, set to close on XXXX XXXX. I have an insurance claim out due to hail damage and am getting a new roof and gutter, which needs to be complete before the house closes. The contractor and I followed all the mortgager rules to the " T '' to get the insurance check to them including a pre paid envelope to ensure the check to the contractor and I gets back to us in 5 days. We were ensured everyday that is would be mailed to us on XXXX/XXXX/15. That did n't happen, we have called everyday since and someone says it 's going out today you 'll have it tomorrow to we ca n't use the envelope you sent we have to use a different one. They say fed ex has it and I talked to fed ex and they do not have it, they said they have not been called to pick it up. I called and talked to a manager, XXXX, today and he assured me that he or someone would walk to the mail room make sure it is really there and going to be picked up today and they would call me back. Three hours later, I finally received a call from XXXX and she said she took it there yesterday herself before time for XXXX to pick it up, so she does n't know what else she can do. She said she ca n't make it to the mail room to check before they close. So right now, we do n't know where the money is, if it is coming, and if not can I still sell my house while the monies are out there somewhere? I have always paid my mortgage on time, and I feel that right now Flagstar Bank could n't care less about a customer.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-20

Wilson, CT

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

2015-08-18

Fayetteville, NC

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-08-14

Bowling Green, KY

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

2015-08-13

S Salt Lake, UT

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

2015-08-13

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-12

Detroit, MI

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: Yes Timely Response

2015-08-11

Saybrook, IL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

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

Disputed: Yes Timely Response

2015-08-09

Ft Lauderdale, FL

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX XXXX signed a mortgage in XXXX XXXX, XXXX to purchase a home, it was a fixed rate mortgage at 6.8 %, with XXXX Lender XXXX. My mortgage payment with tax and insurance was {$2400.00} a month which was to start XXXX of that year, by mid XXXX it was found that the roof was leaking so bad that I had to replace it or the rain would destroy the house {$13000.00} was the cost. In XXXX XXXX I was informed that not enough taxes were collected on the house, because they were miscalculated by the lender and my payment would increase by {$500.00} per month to bring the monthly rate to {$2900.00}. In XXXX XXXX the insurance co. wrote me to tell me that my insurance was not covered in the mortgage payments and they wanted me to pay the full premium out of pocket which was {$5.00} which was very difficult but I had no choice. At this point my monthly cost was {$3400.00}, over {$1000.00} more than I could really afford. I started taking money from my XXXX retirement just to make payments on the Mortgage until I realized that I could n't keep up. In XXXX I received a foreclosure notice and hired attorney XXXX XXXX XXXX to help. Shortly before the final with no contact from the Attorney I contacted XXXX XXXX another attorney to find out what the reason was that I had not heard from XXXX, XXXX and he researched it and found that my previous lawyer was in prison. He then told me that he could take the case but due to the fact that the final hearing was only three days away I would have to pick up the case documents personally from the court house which I did. Once I reviewed the documents I realized that my signature was not on any of the documents and it was clear that my wife 's signature was forged also because she never signed the Mortgage or the note. Someone else wrote our names and initialed without our consent ; never would I have allowed this being capable of doing it myself. I informed my new attorney XXXX XXXX 's office of these facts, and his assistant XXXX XXXX advised me to contact lender forensics to have the documents examined to determine if there was file play and I did so as she requested. I paid lender forensic in advance {$600.00} to begin the review of these documents. After making several copies from closing archive I called to inform XXXX XXXX of forensics that I would be bringing the documents by his office. Once there at XXXX XXXX XXXX parking lot and about to turn over the documents, my layer XXXX called and informed me not to turn over the mortgage papers to the examiners. He said that he could examine the documents himself. After years into foreclosure I continue to bring it up and now near the end of Foreclosure his response is that he has been able to keep us in the house for years while paying him {$500.00} dollars per month and that it would not have made a difference in the case because though the documents were forged the money was used to buy the house, and that 's how the courts will see it. I still question this opinion and would like some closure as to the validity of the forged Mortgage and Note documents being processed and recorded into county records as being legal. FLAGSTAR BANK PLANTIFF VS XXXX XXXX CASE NO : XXXX CIRCUIT COURT OF THE XXXX XXXX XXXX, IN AND FOR XXXX XXXX FLORIDA.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-08

TN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Flagstar bank did not pay my home owners insurance from escrow account for 2014. The only way I found that out, having to file a claim on house damage. Instead of assisting to get the damage fixed, they assigned me forced insurance, and I have been denied from their insurance company, while I would have had it taken care of with my original insurance company. Now, no one will answer e-mail or phone calls and my house has XXXX of dollars in damage.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-07

Centennial, CO

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-08-06

Key Biscayne, FL

Settlement process and costs

Mortgage: VA mortgage

Complaint: XXXX XXXX XXXX with Flagstar Bank requested a notary correction letter via email on XXXX/XXXX/2015. The notary correction letter requested the complainant to attest to the year in which the mortgage was signed. The notary inadvertently omitted the year from the acknowledgment. In a phone call to the notary/attorney 's office, XXXX XXXX threatened to report the notary/attorney, who is also admitted to practice in bankruptcy court, to the bankruptcy court. This conduct is not only unprofessional on the part of XXXX XXXX, but also constitutes harassment and unlawful and/or unethical intimidation on the part of XXXX XXXX, and his employer Flagstar Bank.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-04

Boca Raton, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-08-04

Patterson, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: I pulled my credit report and there was an account from Fagstar which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-03

Arvada, 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

2015-08-03

Warrenton, VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-03

Fort Worth, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-07-28

CA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I have a VA Loan. The original loan included cost for Mortgage - Hazard Insurance. After the first year, the issuer of the mortgage insurance, cancelled the policy. Though the policy was cancelled, the monthly mortgage cost stayed the same. The loan originator insisted that I again get an insurer to cover the loan. Subsequently, I found out that VA Loans per my category, do not require " mortgage insurances ''. The loan originator has sense foreclosed and sold my property, even though, I have continued to pay my monthly mortgage up until they stopped receiving them ; returning my checks to me with a note saying they no longer could accept them. The loan originator has issued an eviction notice to me effective XXXX XXXX 2015.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-27

Fort Seneca, OH

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: Yes Timely Response

2015-07-27

Grosse Ile, 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

2015-07-24

Emerald Hills, CA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-23

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