Mortgage -- Trouble during payment process -- Complaint #5548390
Complaint Overview
Complaint ID: 5548390
Company: Flagstar Bank, N.A.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Arizona
ZIP Code: 853XX
Date Received: 2022-05-05T12:00:00-05:00
Date Sent to Company: 2022-05-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was on the Covid 19 forebearance plan. On XX/XX/2021, I contacted Flagstar to begin the process of transitioning off of it and back to making regular mortgage payments. At that time, I was told to go ahead and begin making my monthly payments so I did. Payments were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth to this day. Sometime during XXXX, Flagstar finally managed to reset my loan off of the Covid 19 forebearance plan. However, they now have added a {$15.00} fee to my account because they told me that they had to send someone out to my house on XX/XX/XXXX to ensure I was still occupying it because they didn't hear from me for more than 30 days. First, no one ever came to my house so it's doubtful this actually happened. Second, I was making regular mortgage payments on the first of every month which people who have abandoned property do not do so that just doesn't even make sense. Third, every time they called saying they were collecting on a debt ( which happened every month during the entire 18 months I was on the forebearance plan ), I always spoke with them and reminded them of that. So it is a complete lie that they did not hear from me more than 30 days at a time. I contacted their customer service and relayed all of this information a couple of weeks ago. She said she would put in a request to have it removed but it is still on my account and shows as a late fee. It appears that Flagstar is trying to impose a malicious and probably illegal fee on my account for having taken advantage of the Covid 19 forebearance plan. Retaliation for participation in the relief program is not permissible under the statute when the government created the program.
Frequently Asked Questions
What is Complaint #5548390 about?
Complaint #5548390 was filed against Flagstar Bank, N.A. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-05-05T12:00:00-05:00.
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.