Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Rhode Island

Became over 30 days past due on my mortgage loan. Wanted to make a payment online through the bank 's internet portal, which does not carry a fee - but was restricted from doing so due to the past due status. Called in to make the missed payment and was assessed a $15.00 fee for doing so. Blocking delinquent customers from free payment options and forcing a $15.00 fee on them for essentially the same service with an agent - with no other free electronic payment options - strikes me as the imposition of an additional late charge beyond what the contract allowed for. Additionally, the bank offered a payment plan to allow me to cure the debt over time, which I appreciate. However, each installment under this plan will also be charged a $15.00 processing fee, which seems again like the imposition of additional fees for customers experiencing hardship. I have agreed to these terms because I want to cure the delinquency.