Consumer complaint received 2024-07-22
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (CO)

I lost my job at the end of XXXX due to retaliation for my employer I filed an HR complaint and she told everyone she was going to cut my hours and get me fired, this is only a couple months after I purchased a home, I also had a roommate move in I asked him to move out so I could sell the home and save my credit at the time he refused to move out stop paying rent tried to charge me as the XXXX because he's XXXX XXXX. I've been struggling to find gainful employment that I can afford my mortgage on as my previous job paid me {$27.00} an hour with copious amounts of overtime. 

During this time frame Because when I was transferred to the New office And misled about how it worked My hours were dropped because they were all based on the XXXX XXXX XXXX XXXX XXXX XXXX  because of covid at a dramatically dropped at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which increase the hours to some cases 80 hours a week which qualified me for my mortgage. 

The state of Colorado approved past due payments in XXXX for about {$13000.00} and they have all of those payments removed from the loan although they paid two additional, payments which are showing active on the loan I will attach a document showing this. 

For over a year they refuse to update my phone number every time I called in they would tell me that my previous phone number was on the account and never would update my phone number never asked me for verification if that was their concern. My previous phone number I was getting hundreds of harassing phone calls and text messages from an unknown amount of numbers I'm still trying to retrieve the call logs and information from that account my email was being hacked that's why I asked them to change that. All from that roommate I was dealing with and come to find out he was a XXXX XXXX XXXX  any known XXXX XXXX I accept my responsibility and should have vetted him better I was helping out a friend with a XXXX XXXX XXXX child. 

Now that they finally have updated my phone number I have a new job working overtime and already offered a promotion, return to school able to pay my mortgage again they are still refusing to contact me when there's anything wrong with my last mitigation applications, refusing to tell me why the Colorado State assistance is not applied to my loan, even though I had a loss mitigation application in per the employees instructions in XXXX even though I was on forbearance so that it can be processed in time for when my loan came due again and I wouldn't go back into a foreclosure status that I shouldn't have been in because they would not communicate with me or update my phone number. Today when I contacted them I was told that I have to redo it so there was a problem with the application but they never contacted me it's now 22 days later after I submitted it at this point I feel there are using tactics to try and foreclose on me. 

I have 2.75 % more interest on this mortgage, when I qualify for this loan I was bringing in about {$6000.00} a month with the XXXX XXXX I had paid off all my debt and had nearly zero reported late payments on my credit report, because my roommate and employment issues the lies and the tactics they both went through is why I'm in these situation I didn't buy a brand new house work so hard to get there just so I could lose it a couple years later. I don't have any parents or family to rely on both of my parents died when I was XXXX, I went through XXXX  XXXX because of all of the tactics but used by my employer and my roommate did my best to pick up side hustles XXXX XXXX XXXX XXXX XXXX XXXX just to be able to feed myself, and now at this point Flagstar is refusing to contact me when there's any issues and just recently re-reported my account at 120 days past due although I had an application in before the forbearance even ended and proof that I had a new job looking to modify my loan so that I'm current and can start paying my mortgage again. 

The attached document mortgage payment history shows the {$13000.00} from the state of Colorado that's held in suspense that was granted to me as mortgage payment relief I would like to know what they're doing with these funds and why they're not applied to my loan. 

I was never contacted by the state of Colorado or anyone saying that they If they even can Reverse the funding. 

But the two additional mortgage payments in XXXX of XXXX are applied to the loan for some reason.