Mortgage -- Struggling to pay mortgage -- Complaint #6258956

Complaint Overview

Complaint ID: 6258956

Company: Flagstar Bank, N.A.

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

State: Maryland

ZIP Code: 20603

Date Received: 2022-11-29T12:00:00-05:00

Date Sent to Company: 2022-11-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

My father who was XXXX XXXX veteran owned a home and passed away 2016 several years ago pre pandemic. I was able to maintain his property until the pandemic. I temporarily lost income due to the pandemic. I was able to resume payments after missing 12 payments. Ive been making my monthly payments ever since. I have been in contact with several representatives staying in contact ensuring Im doing everything in my power to retain my fathers home. Ive had rude representatives who talked over me when Im explaining my situation. They acted as if Ive done something personally to them. They stated I was eligible for a loan modification. For the last two years they have bending me over backwards asking for several documents in which I have provided them all. From death certificates to filling out several paperwork such as online applications. However, they required additional information and that we get the home in our names. Ive done everything they asked me to do and more. The most recent incident they stated they would bring the loan up to good standings if I was able to secured notarized signed documents from me and my siblings by a certain date. They stated we must all sign on the same date at the same time. I advised this was not feasible since we all live in different states. Flagstar advised this is the final document that is needed to bring the loan up to date and stated to just get the necessary documents back to them and they would take care of the loan. I told them I could do this because my siblings birthday was in XXXX and I planned on visiting which I can get everything done. They stated this is the last and final document that is needed before they bring the loan current. Flagstar records all conversations so Im telling the truth. I submitted the notarized documents they asked for in XXXX by the date they requested. I was told thats all I need to do. I called to check the status and was told my loan modification was denied due to having enough income. Tell me how does that make sense. Im XXXX at Flagstar for doing this to me. Ive written several letters and emails expressing my concerns. Im beyond fustrated to hear Flagstar is requesting I do something else. This has to stop at some point. They are literally lying to me. They keep asking for this and that and after two years I need someone to look into to see if this is practical. They are giving me fasle information making me jump through hoops because they can. I understand Im at the mercy of Flagstar and we all have been through a lot but when you have someone who is trying to get back on track it can be a bit daunting. Ive done my part and now someone need to hold Flagstar accountable and bring the loan up to date. Please help!

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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