Consumer complaint received 2021-02-23
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
What happened was I accepted and successfully completed XXXX XXXX paying approx {$1400.00} per month. At some point either before or during Trial period, I had conversation with Flagstar Bank XXXX to lower monthly payments because at that time could not successfully continue paying {$1400.00} for duration of a permanent modification. THEY SAID they would get back to me as to what monthly payment would be acceptable. 
1 Borrower received offer dated XX/XX/XXXX to capitalize monies outstanding into the unpaid principal to cure Mortgage delinquency and to pay {$3100.00} to process as title recording fee tax and first modified payment and to pay {$1000.00} monthly. I complied. 
2 On XX/XX/XXXX mailed my first payment {$1000.00} # XXXX for XX/XX/XXXX. However, they erred, sums were not recorded in account which remains unresolved. 
3 Flagstar Bank letter dated XX/XX/XXXX, said at closing, you were required to send in 3 payments obligations for XXXX, XXXX XX/XX/XXXX. XXXX, documents received inadvertently combined XXXX and XXXX payments and identified them title recording fee, however the amount you pay was correct. 
Further, XX/XX/XXXX letter explained that Bank had reduced Mortgage by {$170000.00} and I now owe {$120000.00}. However Flagstar failed to implement changes, continued to use original HAMP Backup Modification Agreement documents to date. 
4 Upon review of current Mortgage document at paragraph K, said and Quote In Part, ... if an error is detected after execution of this Agreement. I understand that a corrected Agreement will be provided to me and this Agreement will be VOID and of no legal effect upon notice of such error. 
5 Flagstar Bank failed to provide me a corrected Agreement pursuant to paragraph K instructions in # 4. and current HAMP Backup Modification Agreement became VOID. 

6 Moreover Borrower efforts to get Flagstar Bank correct/XXXXXX/XX/XXXX has failed, and instead of complying as instructed, fraudulently use the flawed instrument XXXX to present retained monthly remittance, money they were not entitled to. And in more dishonest practice robbed Borrower of {$3100.00} in violation XXXX XXXX B 2010 -11 administrative Cost Regulation, prohibition against XXXX making cash contribution. Misstated {$3100.00} entered in Monthly Statement dated XX/XX/XXXX as payments instead of title recording fee tax, and first modified payment in XX/XX/XXXX presentation. moved account from Flagstar Bank to XXXX, and XXXXXX/XX/XXXX# XXXX then XX/XX/XXXX XX/XX/XXXX to hide from Official scrutiny. And, in more confusion, Flagstar History & Ledger for XXXX mistakenly entered {$3100.00} under Inspection fees in order to mislead others. 
Then required additional {$1500.00} # XXXX to up date account, in circumstances where no payments missed, or paid late has remained unresolved. 

7 Borrower requires Bank to vacate Agreement. Move all monies paid into a new account pursuant to action taken in XX/XX/XXXX. compensate for False Claim made, victimization of senior Citizen and exploitation of XXXX person participating in Government HAMP program for Home owners who was hurt by US economic downturn, President Obama declared National Emergency. Plus compensate for subjecting Borrower to Involuntary Servitude paying a VOID Mortgage to benefit Flagstar and XXXX XXXX XXXX as provided 13 th amendment and compensate for failing due diligence to provide Equal Protection under law, XXXX to present violating 14th Amendment and compensate for time spent on issues at a rate of 4 hrs per week @ {$150.00} per hr.

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