Consumer complaint received 2026-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please treat this letter accordingly and respond within the time periods required by law.\nWe are the borrowers on the above-referenced mortgage loan, currently in litigation in the Supreme Court of the State of New York, Dutchess County XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nWe hereby request the following specific information and documents:\n1. Ginnie Mae Pool Identification\nThe complete Ginnie Mae Pool Number (MIP) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe exact date on which this loan was transferred into or designated for any Ginnie Mae mortgage-backed security pool.\n3. Ginnie Mae Issuer Identity\nThe name, address, and NMLS number of the entity that acted as Ginnie Mae issuer for the pool in which this loan was placed.\n4. Note Custodian Identity\nThe current name, address, and telephone number of the custodian of the original wet-ink Promissory Note, pursuant to TILA 1641(f)(2) and 15 U.S.C. 1641(f).\n5. Note Owner Identity\nThe current name, address, and telephone number of the owner of the Note, pursuant to TILA 1641(f)(2).\n6. MERS Milestone Report\nA complete MERS Milestone Report for MIN XXXX showing the full audit trail of all ownership transfers and servicing transfers recorded in the MERS system from origination to present.\n7. Pooling and Servicing Agreement\nA copy of, or identification of the location of, any Pooling and Servicing Agreement (PSA) or XXXX XXXX Guaranty Agreement governing this loan's inclusion in any mortgage-backed security pool.\n8. Authority to Foreclose\nDocumentation establishing XXXX XXXX XXXX XXXX authority from the XXXX XXXX pool issuer or guarantor to initiate and prosecute foreclosure proceedings on behalf of the pool XXXX. Original Note Production\nConfirmation of whether the original wet-ink Promissory Note bearing all endorsements and allonges currently exists and its physical location, and whether it can be made available for inspection.\n10. Complete Payment History\nA complete payment history from origination to present showing all payments received, credited, and applied.\nWe note that a prior QWR was sent to Flagstar Bank on XXXX XXXX XXXX (RESPA registered mail RF 644 579 196 US) requesting substantially similar information. That request was not fully responded to in conformance with RESPA's requirements, and the information demanded therein remains outstanding.\nViolations of RESPA 2605 entitle borrowers to actual damages, statutory damages up to XXXX and attorneys' fees. 12 U.S.C. 2605(f). Each failure to respond is an independent violation.\nPlease acknowledge receipt of this QWR within five (5) business days and provide a full response within thirty (30) business days, as required by 12 U.S.C. 2605(e)(1)(A) and (e)(2).\nAll communications in response to this QWR should be made in writing to the address aboveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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