Mortgage -- Struggling to pay mortgage -- Complaint #5143795
Complaint Overview
Complaint ID: 5143795
Company: Flagstar Bank, N.A.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Texas
ZIP Code: 77845
Date Received: 2022-01-24T12:00:00-05:00
Date Sent to Company: 2022-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, my loan is financed through FlagStar bank. I have been trying to wrap up my forbearance and start making payments again since XX/XX/XXXX, and have been unable to do so due to multiple bank errors, and delayed processing on part of the bank. I would like to file a complaint and have this escalated somehow so that I can just resume making payments and bring my account current as soon as possible. I have detailed records of my interactions with the bank that I would be glad to provide. I have attached my hardship letter provided in XX/XX/XXXX that summarizes the interaction up to that point. I have made a large ( {$4800.00}, XX/XX/XXXX ) payment at the banks demand in order to continue to process my deferral, and continued to contact the bank weekly to wrap this up since then, and feel like I am getting nowhere. For example, I am supposed to have a single point of contact ( SPOC ) with knowledge of my account, but ended up talking to someone new today with no knowledge of my account ( same as nearly every time they call me ) who said she would escalate the issue and call me back ( which is what they usually say ). Thanks for your help.
Frequently Asked Questions
What is Complaint #5143795 about?
Complaint #5143795 was filed against Flagstar Bank, N.A. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-01-24T12:00:00-05:00.
How did Flagstar Bank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Flagstar Bank, N.A.?
Yes, visit the Flagstar Bank, N.A. company profile at readthecomplaint.com/company/flagstar-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.