Mortgage -- Struggling to pay mortgage -- Complaint #6222797
Complaint Overview
Complaint ID: 6222797
Company: Flagstar Bank, N.A.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Texas
ZIP Code: 786XX
Date Received: 2022-11-19T12:00:00-05:00
Date Sent to Company: 2022-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My sister-in-law, XXXX XXXX owned the property in question with her mother, XXXX XXXX. She had put the property into forebearance after losing her job in XXXX during Covid. XXXX passed away on XX/XX/XXXX and XXXX 4 days laters on XX/XX/XXXX. I was named XXXX 's executor and her son, XXXX XXXX was named her heir. I am XXXX XXXX 's XXXX or her estate and XXXX 's XXXX of Attorney. I have been working with Flagstart Bank and began making the modified loan payments in XX/XX/XXXX. I was working with the loss mitigation department through this process and was at the finish line to completing the loss mitigation when they told me that I needed to get the deed in XXXX XXXX 's name. I did that in XX/XX/XXXX and then immediately the loss mitigation was cancelled and no one at Flagstar would talke with me. I had to resubmit all the documents from the death certificates to my certificate as the administrator, the deed to put the property in XXXX 's name and the power of attorney. They sent me a letter telling me that XXXX XXXX would be my single point of contact. I called this past week on Monday to try to get an appointment with her and was told it would be 24-48 hours before I would hear from her. As of today, I still have not heard back from heror anyone at Flagstar. I have made sure the modified loan payments have been made since XXXX ; but they have returned the XXXX payment. I also have now received a letter that they are going to foreclose on the property, I'm going to pay the amount of the original payment this month to try to get their attention that way ; but I'm at wits end since they are no longer talking with me on this matter. I have been trying to resolve this for months and get the loss mitigation finalized. Please help.
Frequently Asked Questions
What is Complaint #6222797 about?
Complaint #6222797 was filed against Flagstar Bank, N.A. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-11-19T12:00:00-05:00.
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.