Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
1. Payment Errors : - Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the partial payment I made on XXXX XX/XX/2022 in the amount of {$280.00}. I paid this because I was given misinformation on the required payment amount in my statement based on failure to process the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Due to issues with your companys processing of my Mortgage Modification Paperwork referenced in section Section # 2 : Accessing and Providing Timely Information I incurred a fee from my bank in the amount of {$29.00} on XXXX XX/XX/2022. 
- Due to issues with your companys processing of my Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information I incurred a fee from my bank in the amount of {$29.00} on XXXX XX/XX/2022. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$1000.00}. I paid this because I was given misinformation on the required payment amount in my statement based on failure to process the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 

2. Accessing and Providing Timely Information : - Your company failed to provide accurate information and documents regarding rejection of loan mitigation documentation returned on XXXX XX/XX/2022. Tracking still states In Transit. I called and learned later that this was rejected due to Notary error. 
- Your company failed to provide accurate information and documents regarding rejection of loan mitigation documentation returned on XXXX XX/XX/2022. Paperwork was signed for by XXXX XXXX. I have yet to received accurate and timely information and documents to date. 

3. Properly Evaluating Loss Mitigation Applications : - Your company failed to properly evaluate the Loan Mitigation Applications as outlined in Section # 2 : Accessing and Providing Timely Information. 

You have now sent another Mitigation offer that is less favorable where I pay more due to your errors.

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