Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I am filing this complaint because the loan officers of Flagstar Bank have knowingly engaged in fraudulent activity. On XX/XX/XXXX, and XX/XX/XXXX, I contacted Flagstar Bank to make them aware that I am a victim of fraud and identity theft. I am not on loan, my ex-wife XXXX XXXX XXXX am on the deed, which I found out she had me illegally removed ( divorce decree ). 

In early XXXX I was contacted by a real estate agent wanting to list the home at XXXX XXXX XXXX XXXX XXXX, Texas. The agent said that she could help me with removing a lean placed by the HOA for non-payment of dues. 

I texted XXXX XXXX on XX/XX/XXXX at XXXX pm and told her that I was coming to Texas to get the divorce settled. She then in turn texted me with an attached copy of the divorce decree. 

This prompted me to go to XXXX XXXX website where the home is located just to see what other activity had occurred relating to the property. 
I found out that a divorce decree ( see attached ) was granted to XXXX XXXX on XX/XX/XXXX. 

She filed for this decree and was granted it because I was an absentee. Please note that since I wasn't there to contest the divorce, she petitioned the court to XXXX her sole ownership of the property at XXXX XXXX XXXX XXXX XXXX, Texas. 

2 days after the divorce was granted, she miraculously found me. XX/XX/XXXX she ( we ) filed for a loan modification ( see attached ). XXXX XXXX, a representative of Flagstar Bank prepared the loan modification documentation ( see attached ). 

On XX/XX/XXXX, I was invited to a Zoom call regarding a loan modification that I knew nothing about ( see attached ) with XXXX XXXX a Flagstar Bank representative. He asked questions regarding the loan application that did not line up with what was on the application. 

I told both of them that some of the questions did not relate to me at all. XXXX called me an XXXX and proceeded to be antagonistic trying to force me to proceed with signing the loan documentation. I said this session is over and I hung up the phone. 

As you can see in the Loan Modification document prepared by XXXX XXXX the loan modification process continued with XXXX XXXX ( Notary ) XX/XX/XXXX, utilizing my drivers license. 

This is where the fraud is blatant at this point. I changed my legal name to XXXX XXXX XXXX on XX/XX/XXXX, in the state of California where I now reside ( see attached ). I also obtained a drivers license in the state that I now reside in, issued XX/XX/XXXX, ( see attached ). 

I have never had a Texas drivers license. I havent lived at XXXX XXXX XXXX XXXX XXXX, Texas in over 3 years. I also found out that I was served with divorce papers at that address in XXXX of XXXX. Looking at the application and signatures of my name on this loan modification, that is not my legal name, nor does the signatures match my handwriting. 

Furthermore, who is XXXX XXXX of XXXX XXXX XXXX, and XXXX XXXX ( Notary ) what are they attesting to? Who is in the presence of XXXX XXXX, while these documents are being signed? What drivers license did they use, and who provided it? 

In the state of California notarization requires a thumb print. If there is a thumbprint It certainly is not mine. Hope it isnt in the XXXX database, because soon we will all know who was served with divorce papers in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, Texas. and whose forged handwriting is on the loan documentation.

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