Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

VA mortgage Loan modification,collection,foreclosure Texas

As a - employee, I was subject to unpaid - in - and - - and was looking at having to choose between mortgage payments and feeding the kids. Up to that time, every payment since - had been on time. I contacted the holder of my VA mortgage, Flagstar Bank, and was told to submit hardship paperwork and they would look at a loan modification or other solution. I submitted - and heard nothing back. Calls to my 'single point of contact ' - no one else could discuss the situation - went to voice mail and were never returned. Submitted again in - - ; no response. Called by a VA rep in - - and submitted a - time, with copies to VA - again, no response. In - -, notified of intent to foreclose. Hired an attorney and on - -, -, received a TRO stopping the foreclosure. Flagstar attorneys moved the case to federal court and created a situation where my attorney fees would escalate dramatically. My attorney got an agreement to dismiss the case without prejudice and a promise the Flagstar would actually look at my modification request. Never heard back from Flagstar until recently, when I again received a foreclosure auction notice for - -. After repeated calls to Flagstar, I finally got a live person on - - and they sent a modification package - received - - - which states they can not stop foreclosure unless received more than 37 days out. Throughout this process, Flagstar has engaged in many of the same actions that were the subject of - - consent order.