Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Extremely important information about fraudulent Practices of XXXX XXXX after being sanctioned and fined {$37.00} XXXX by the CFPB. 

I write to bring to your attention to certain developments regarding a fraudulent foreclosure case being brought to the court by XXXX XXXX. Information specifically related to XXXX XXXX XXXX continued extreme fraudulent and bad faith practices against me in relation to them starting a lawsuit against me although they knew they were time-barred at the time. Subsequent bad faith negotiations during mortgage modifications and loss mitigation that has put me under continuous duress, forcing me to have to defend my homeownership through XXXX  and court proceedings. They are the cause for my repeated appearances in the court and the excessive amount of arrears they claim I owe. 

Please take the time to read my letter. These are not the normal circumstances as you will see. 
I have been the victim of XXXX XXXX XXXX known fraudulent mortgage and loss mitigation practices, which have already led to significant legal consequences for the bank. In XXXX XXXX was involved in a settlement in federal court for {$37.00} XXXX due to malicious practices against homeowners between the years XXXX, the exact same years my property was being foreclosed. ( Exhibit A ) CFPB XXXX XXXX XXXX XXXXXXXX. Practices during modification application review included but were not limited to : 1. Closed Borrower modification applications due to its own excessive delays. 2. Delayed approving or denying borrower applications 3. Denied applications for unspecified reasons. My home would be a prime example of Their Fraudulent Practices as XXXX XXXX teamed up with a well known second bad actor XXXX and XXXX foreclosure attorneys and carried out the same exact crime that they were penalized for- on me. 

Specifically, XXXX offered mortgage modifications they knew they were not going to honor, delaying the process and forcing homeowners into XXXX XXXX days to foreclosure sale period. They tell you they can not accept any more modification documentation because they have scheduled a foreclosure sale date during the modification process, effectively setting the stage for the wrongful loss of our property. I am one of the few homeowners who has continually fought because I saw the bad faith and knew if an ethical court or government agency saw and realized what was really happening, their goose would be cooked! 

In XXXXXXXX XXXX XXXX was also found liable for fraud against homeowners in the U.S. Attorney 's Office in XXXX, which culminated in a {$130.00} XXXX settlement for fraudulent mortgage lending practices ( Exhibit B ). We were further victimized by XXXXXXXX XXXX  tactics, which included offering modifications and subsequently stalling the process. These modifications were consistently interrupted, forcing us to endure foreclosure proceedings despite being in the midst of a legitimate modification request. 
Additionally, the law firm XXXX and XXXX, which represented XXXX XXXX against me, has a history of fraudulent conduct. In XXXX, they were found guilty of filing multiple foreclosures on homeowners ' properties, during years XXXX only to run up additional charges without proper court authorization, an action they admitted to in court and received a $ XXXX fine. The same firm was involved in opening XXXX separate cases against me during the foreclosure process in efforts to drum up more charges that would fraudulently be passed on to me. They were actively involved in and pled guilty to these specific bad faith and fraudulent activities during the years my property was being litigated. 

Their current foreclosure case against me was time-barred since inception! XXXX and XXXX used their power as attorneys to knowingly file an illegitimate foreclosure realizing that the time to file a foreclosure had already expired under the XXXX Statute of Limitations. In fact, XXXX  XXXX  should have raised the Issue of statute like ethical banks do. ( Exhibit C ) Attached is an example of a letter I should have received in XXXX if XXXX XXXX  and its attorneys were carrying out good faith practices. 

In XXXX XXXX foreclosure case against me, leave of court was granted with conditions. They promised the court to discontinue the lingering first XXXX foreclosure action XXXX. Its XXXX, XXXX ( XXXX ) years later and they still havent discontinued or complied with the agreement of the court. If I had done such things, the court would immediately dismiss my case! They are using the court system and their clout as officers of the court, to carry out the most atrocious and unethical practices against homeowners, its sad. I need the CFPB and its Legal team to please stop them today! 

In XXXX XXXX approved what they called an affordable modification that would have increased my payment from {$3000.00} to {$7500.00} per month, which was completely a bad faith unaffordable modification. After calling them and Despite assurances that a better offer would follow, XXXX failed to provide a new agreement, leaving me with no viable solution but to report them to the CFPB. Additionally, after I submitted the complaint to the Consumer Financial Protection Bureau ( CFPB ), XXXX lack of timely response and continued stalling became apparent, they told CFPB they would work it out with me and never did, but then XXXX happened and subsequently they never reduced the payment. 

In a XX/XX/XXXX attempt to work out a modification, XXXX provided information for a point of contact representative named XXXX XXXX, ( exhibit D ), who did not even exist in their Loss mitigation department ( a fake person ), further demonstrating their misleading and fraudulent conduct against homeowners in efforts to buy more time to get closer to the foreclosure sale date. I was forced to make another complaint to the CFPB ( exhibit E ) as their unethical practices were unbearable and unbelievable. 

The straw that broke the camel 's back and reason for filing my current Complaint to the CFPB in XXXX is because we finally confirmed a clear pattern of bad faith thats consistent right up to XX/XX/XXXX. On XX/XX/XXXX, I submitted a modification application to XXXX and got confirmation it was received through their online portal. At that time there was No Scheduled Foreclosure sale date. Despite this, when I called XXXX after the holidays on XXXX XXXX I was told that no application had been received, and that the property all of a sudden had a new scheduled foreclosure sale date of XX/XX/XXXX. Because of prior bad faith behavior and inconsistency in the discussion with multiple XXXX agents and although XXXX  claims to record the call, I decided to also record the call. ( exhibit F ) Upon checking the XXXX online portal, I confirmed that the application was indeed received on XX/XX/XXXX and posted in their System. ( Exhibit G ) This contradicts XXXX 's obligation under its own policies, which stipulate that foreclosure proceedings will cease upon receipt of a modification application. XXXX XXXX lied about NOT receiving my modification application in effort to obtain a foreclosure sale date, extreme bad faith, fraud and the reason Im asking that CFPB intervene before they try to manipulate the system and use their deceptive court practices to foreclose my property. 

CFPB, I respectfully submit that this situation constitutes continuing bad faith and now Fraud by XXXX, especially considering the {$37.00} XXXX settlement where they agreed with the Consumer Financial Protection Bureau to never do these crimes again. In addition, upon further review, we discovered that when XXXX filed the third foreclosure case in XXXX, the statute of limitations had already expired- they were time barred from filing an new foreclosure and they knew it!. Their attorneys most recently argued that l failed to raise the Statue of Limitation to call out their fraud and consequently I waived my rights. Number one, at the time I believed I was dealing with an ethical Bank and its Attorneys. Like I showed in ( exhibit C ), when a bank is honest THEY RAISE THE STATUTE TO ADVISE THE LEY HOMEOWNER OF THEIR RIGHTS, THEY DONT HIDE THAT INFORMATION FROM THE BORROWER IN EFFORT START AN ILLEGAL ACTION TO COVERTLY FORECLOSE THEIR PROPERTY. its important to note that the statute of limitations is jurisdictional and can be raised at anytime. If it was not raised in XXXX by me, that does not constitute a waiver of my right to assert it now. 

As a XXXX homeowner, I have endured over a decade of constant stress and hardship at the hands of XXXX XXXX and its attorney partners, which has affected my health, leading to an aneurysm and several minor strokes. All I seek is a fair resolution of this case, and I ask that You take into account the undue hardship and the clear evidence of fraud and bad faith on the part of XXXX and their associated parties involved. 

Thank you for your attention to this matter. I respectfully request that you review the supporting information provided and address this case as fairly and expeditiously as possible. I need your help urgently! 

Loss of my home will cause irreparable harm/damage. I rely on my home to provide my necessities and to keep me alive after this bank has wreaked havoc on my physical and mental health.

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