Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account California

Flagstar Bank is charging me for late fees that I have not incurred. I have called the bank multiple times but they have not resolved the issue and now they are threatening me with reporting me to the Credit Bureaus. My credit score in the - 's because I have never defaulted on any loan. I have paid my Flagstar Mortgage payment on time before the - of each month since -/-/- without falf every single month in advance to this date. The problem seems to be that on -/-/- they charged my account $6200.00 for insurance '' this was an incorrect charge since I had secured - - - on my own as stipulated. It took many long phone calls before they wrote off the bogus charge. Then for no reason at all they sent me a check for $1300.00 - new this was either an error or a scam and I did not cash the check. I spoke on the phone with - of their agents who identified himself as - and I asked him to place a stop payment on the check. As a result of this book keeping changes they decided that my payment checks were 1 month late instead of being a payment in advance as they are and now they are charging me late payment fees that I do not owe. My mortgage payments to Flagstar Bank have always been made automatically form my - - Bank account and always on time and I have the records to prove it.