Consumer complaint received 2016-09-14
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I first made loan application at XXXX mortgage with Loan Originator A and then Owner and Loan Originator B of XXXX Mortgage Corp persuaded my wife to ask originator A to join XXXX as loan officer and move our loan app there, as we had a dispute of loan origination fee charged to us by Cornerstone. Owner B ( she ) promised originator A ( he ) that, while he was in name as the originator, she would do all the paper work for him, since the loan was in final stage at XXXX. Originator A moved his license to XXXX on XXXX XXXX, 2016 and we made loan app at XXXX on the XXXX. 
In the midst of the application, there came an issue of my wife 's XXXX incomes and assistant XXXX to Owner B suggested to drop my wife as an applicant, taking me as a sole applicant. I consulted with originator A, who thought that was a good idea since I had a much better credit score than my wife and I might get a rate of lower than 3.75 %, which did not happen. 
The settlement was held on XXXX XXXX, 2016. We later found no loan application in the settlement package and talked to the settlement attorney H about it. Attorney H was rather surprised and had contacted XXXX a couple of times without any result. 
On XXXX XXXX, 2016, my wife contact XXXX ( mistaken as XXXX ), assistant to XXXX XXXX, via email ( Supporting documents, p. XXXX ) and had receive an unsigned application of mine as a sole applicant. ( pp. XXXX. ) My wife wrote again on the XXXX XXXX at XXXX : XXXX XXXX ( p. XXXX ), asking for a signed application and was given the original application we signed on XXXX XXXX, 2016 with both my wife and I as applicants ; however, the signatures on the first page of the loan app are ours XXXX XXXX XXXX ) and the fourth page was forged and Owner B replaces originator A as the loan originator. ( p. XXXX. ) Both my wife and originator A tried to communicate with Owner B without much success. Finally, my wife wrote to Owner B on XXXX XXXX, 2016 ( p. XXXX ), saying, " The signatures and initials in the first XXXX pages of the app are ours but the XXXX page is not signed by me and my husband. Please verify. '' No response from XXXX. 
On XXXX XXXX, 2016, settlement attorney H provided us with a statement, which states, " Upon your request for a copy of your loan application I have reviewed our settlement file. Unfortunately, we do not have a copy of your application in the file. Normally, we make a complete copy of the loan documents signed at settlement and forward the originals to your lender. So it looks like either the application was not signed at settlement or a copy was not made prior to forwarding the original loan documents to your lender. '' ( pp. XXXX. ) I wrote on XXXX XXXX to XXXX with the attorney 's letter attached ( p. XXXX ) and also cc-ing to lender Flagstar Bank with a cover letter. ( p. XXXX. ) XXXX sent back an unsigned loan application again. ( pp. XXXX. ) And I have no response from Flagstar Bank up to now. 
In my loan application with XXXX I received all signed copies such as Request for Transcript of Tax Return, Lock-in and Fee Agreement, XXXX Party Fee Agreement and Credit Card Charge Authorization, and etc. When my wife asked Owner B for a copy of these signed documents, she said, " ( XXXX translation : What 's the good for you to have a copy of all those signed paper. It is a waste of my paper. ) '' She refused to give my wife a copy of all signed paper.

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