Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
Subject : Recidivist Violations of XXXX ; Servicing Fraud ; CARES Act & RESPA Violations 1. Statement of the Issue : I am filing this complaint to alert the Bureau to a systemic pattern of recidivist behavior by Flagstar Bank, N.A., which directly mirrors the misconduct addressed in the XXXX and XXXX Consent Orders ( File No. XXXX ). Flagstar has engaged in illegal " dual tracking, '' failure to provide a Single Point of Contact ( SPOC ) / fraudulently misrepresent to a borrower his Single Point of Contact ( SPOC ), and manufacturing a fraudulent default in violation of the CARES Act, leading to the wrongful foreclosure of my primary residence.

2. Manufacturing an Illegal Default ( CARES Act Violation ) : In XX/XX/XXXX, I entered a XXXX forbearance while in a current status. Upon exiting in XXXX of XXXX, Flagstar Bank illegally demanded an immediate {$24000.00} lump-sum reinstatement dated XXXX. This demand violated CARES Act protections and VA/FHA guidance , which prohibit requiring a lump sum as a condition for reinstatement for borrowers who were current at the time of entry. This illegal demand was the sole basis for the foreclosure acceleration.

3. Intentional Concealment of SPOC ( RESPA / Regulation X Violation ) : Flagstar knowingly violated 12 C.F.R. 1024.41 by failing to assign or disclose a Single Point of Contact. I possess a verified audio recording of a Loss Mitigation XXXX ( " XXXX '' ) intentionally providing false information regarding my XXXX identity to obstruct my loss mitigation efforts. The recording was made with a tenant, present as witness, to the call and who has agreed to write an affidavit of facts and give first hand testimony to what transpired on the call. Written XXXX information was intentionally withheld until XX/XX/XXXX, just 3 days prior to the day of the purported ( and void ) foreclosure sale and a year after accelerating the loan. 

XXXX. Procedural Fraud & Void Sale ( UDAAP Violation ) : Flagstars agent, XXXX XXXX XXXX, conducted a non-judicial foreclosure based on a void notice. A Notice of Sale was posted on my property on XX/XX/XXXX, listing a sale date of XX/XX/XXXX ( XXXX months in the past ). This " impossible date '' notice constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) and renders the subsequent XX/XX/XXXX, sale void under Utah XXXX ( Concepts, XXXX v. First Sec. XXXX XXXX. ). 

XXXX. Resulting Harm & Request for XXXX : As a direct result of XXXX recidivist conduct : I was wrongfully evicted from my home. 

I suffered a total loss of {$82000.00} in personal property due to the bank 's failure to secure the premises following the illegal sale. 

I have lost over {$230000.00} in home equity and my home, valued at {$510000.00} at or around time of Trustee Sale ( XXXX ) I am requesting that the CFPB initiate a formal investigation into Flagstar Bank for violating the terms of its existing Consent Order and for its continued failure to adhere to RESPA and CARES Act mandates. 



EVIDENCE INDEX : [ Exhibit A ] XXXX : NOTICE OF DEFAULT and INTENT TO ACCELERATE ( The " Lump Sum '' Letter ) from Flagstar Bank, demanding {$29000.00} to reinstate my loan after exiting my COVID forbearance. ( My loan was current upon entering the forbearance. ) [ Exhibit B ] XXXX : FIRST LOSS MITIGATION CORRESPONDENCE- received from my assigned Single Point of Contact ( SPOC ) XXXX XXXX XXXX 

[ Exhibit C ] XXXX : NOTICE OF TRUSTEE 'S SALE- ( Void Notice with Impossible Date ) A photo of the Notice XXXX XXXX XXXX Sale : signed and dated : XXXX showing sale date of : XXXX posted on property : XXXX [ Exhibit XXXX XXXX XXXX XXXX XXXXXXXX : RING VIDEO SCREENSHOTS : A screenshot with date and time stamp in bottom right corner of XXXX XXXX agent, XXXX XXXX XXXX posting the Notice XXXXf Trustee 's Sale on XXXX, in front of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a tenant, who has agreed to draft & sign an affidavit of facts and ready to give first hand testimony to being present and witnessing the notice being posted. ( to prove the date discrepancy ). 

[ Exhibit XXXX XXXX XXXXERTIFIED CREDIT REPORT : Official XXXX payment history showing Flagstar reported the account as 'current " through XX/XX/XXXX, contradicting the XX/XX/XXXX acceleration date.

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