Flagstar Bank Mortgage Complaint

FHA mortgage Loan servicing, payments, escrow account

Flagstar Bank Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Illinois

I filed bankruptcy in - to re establish my credit after having - where there were excessive hospital bills and I was laid off in - from - - and could not recover. My intentions were to reestablish my credit with hopes of gaining credit worthiness. My mortgage was reaffirmed in the - on - - and bankruptcy was discharged in - of - I just became aware that my mortgage company Flagstar Bank has not been reporting my monthly payments since - and has the mortgage listed in the Bankruptcy which has affected my credit score and worthiness immensely. I am now on a mission to gain my worthiness and score back due to their horrible oversight. I have purchased - vehicles in which the interest rates are extremely higher due to the negative impact as well as I have been denied several lines of credit, they have ruined my hopes at re establishing my credit. I now have several inquiries on the report for credit that I was denied for due to their mistake and oversight. I am paying higher car notes/ interest rates due to this oversight and as hard as I have been trying to reestablish myself this has held me down despite every mortgage payment being paid onetime via ACH every month and me also paying every other credit card and car note onetime. I am also spending several hours of time on the phone and internet trying to get this issue resolved and regain my worthiness so that I can move forward.

Flagstar Bank customer in Illinois
Jul 29, 2016

* Source: CFPB Complaint Database

Flagstar Bank response to complaint:
Closed with explanation

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