Consumer complaint received 2019-06-11
Company: Flagstar Bank, N.A.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Mortgage sold my home loan to Flagstar on or around XX/XX/XXXX. I recd notification via mail correspondence of this transfer latter part of XXXX which noted company would forward payments to new company for XXXX days XXXX XXXX months XXXX. In XXXX, I started to receive threatening and intimating solicitation calls and certified mail from Flagstar stating I was in default approximately {XXXX} including late fees. 
On XX/XX/XXXX, I spoke to Flagstar representative who shared that no payments had been forwarded from XXXX. In turn, I called XXXX and was told that my acct had been closed and there were no proofs of payments on file. I then confirmed with my bank, XXXX  XXXX XXXX, that payments had been sent and cleared XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was given proof of payment history which was forwarded to Flagstar along with a completed consumer dispute report that requested that company rectify the negative reporting to the bureaus, as instructed to do so. 
Until present, Flagstar continues to submit negative credit reports of missed payments to the XXXX credit bureaus, which have caused my score to decrease from XXXX to XXXX. I have spoken to company on several occasions to avoid continued harassment from solicitation calls and letters ranging from XXXX to present from the debt collection dept. 
Flagstar continued to suggest that writers payments forwarded from XXXX and made to the company personally for the months of XXXX, XXXX, and XXXX could not be located and/or were processed well after the payment dates. Proof of these payments were also forwarded to this company who still REFUSED to submit corrections to the credit bureaus. On XX/XX/XXXX, I spoke to a representative of the company who confirmed/verified that ironically/conveniently, my payments had been located and they would submit corrections. Rep also stated that when the loan was sold, that XXXX did not enclose a direct contact number for writer. She stated that when XXXX finally located my number, they called which was XX/XX/XXXX. Prior to ending the call, I asked if the XXXX missed payment could be removed as wel and company declined to submit corrections stating, we cant do that because we never received the payment and it was XXXX days late. 
Further explained as I have numerous times that the payments were either late, or never recd due to the selling companies negligence and not myself as the consumer. Provided addl proof from my bank account that XXXX refunded my XX/XX/XXXX mortgage payment on XX/XX/XXXX and that I was never made aware that it was not forwarded and it was not returned to me in a timely fashion. 
With this, Im formally issuing this complaint out of unfairness as a consumer who has never missed a mortgage payment, is responsible and values my credit score. Both companies have done a disservice to me and Flagstar continues to REFUSE to remove the XXXX missed payment report although Ive provided an astronomical amount of documentation. This will and is affecting my future endeavors of owning another property or refinancing amongst other financial goals. Please review, investigate and help me with this unjust situation. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation