Consumer Complaints: Flagstar Bank, National Association

It's the same issue as every other month and all my prior complaints. I call the HAF to find out why my payment is not showing with my mortgage lender yet and the XXXX lets me know that they sent the payment to Flagstar weeks earlier, but Flagstar sits on the payment and does not apply it in a timely fashion, allowing it to be in default. Last month they assessed me a late fee when I was assured that no late fee would ever be incurred while on this program. We are now rapidly approaching the late fee date again this month and I am trying to get ahead of this issue before it occurs again. Another person that I know who is also on the same HAF program and also has Flagstar had their payment applied almost a week ago and mine is still not posted.

I received a copy of my credit report and I have found the following items listed below to be in error.
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
In XXXX on 2022 FLAGSTAR BANK reported to XXXX, XXXX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness.
I NEVER gave You, FLAGSTAR BANK any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Flagstar Bank has caused severe stress and XXXX due to the abusive and unfair practices.
You, FLAGSTAR BANK, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.

I'm not sure if I'm in the right spot for a complaint or not but it's worth a shot. My conventional mortgage on my home was transferred to Flagstar Bank in XX/XX/XXXX. I've been paying {$120.00} per month in PMI on my loan. My escrow analysis was run in XX/XX/XXXX by XXXX. After reviewing the XXXX analysis, I noticed that my PMI amount increased monthly to {$240.00} per month. I called XXXX immediately ( XX/XX/XXXX ) after noticing the increase because PMI is not supposed to increase. The first representative tried to tell me my PMI amount has always been {$240.00} but I knew that was wrong, so I asked to speak to someone else. The next person told me that the additional amount was for something called a rural annual fee which she couldn't explain to me. I looked this fee up and it seems this is PMI for USDA loans in rural areas. My loan is not a USDA loan and I live within the city limits of XXXX FL so neither of these apply to my loan. She said she was going to ask for an escrow analysis to be re-completed to remove this from my account but as of XXXX. on XX/XX/XXXX this has not been completed. I called again on XX/XX/XXXX and the bank said they were going to mark my request as urgent for an escrow analysis re-run.

This all matters to me because this issue has both increased my payment starting on XX/XX/XXXX due to the additional {$120.00} per month and has also caused an escrow shortage on my escrow account in the amount of {$1400.00} which in turn also causes my monthly payment to increase again. I feel like this bank is trying to deceive people on the PMI portions of their escrow accounts. Their lack of urgency in resolving this matter or getting me an answer at all really makes me feel as though they have a deceptive practice going on.

This is a follow up to a previous complaint. XXXX XXXX XXXX with Flagstar bank is still asserting that there was a lapse in flood insurance has Flagstar bank has not fully refunded the lender placed insurance.

Please note THERE HAS NEVER BEEN A LAPSE IN FLOOD INSURANCE AT THE PROPERTY AS EVIDENCED BY THE ATTACHED 3 YEARS OF FLOOD INSURANCE DOCUMENTATION.

Also please note the attached documents have been submitted to Flagstar bank several times.

I am requesting a full refund of all lender placed insurance premiums that have been charged to my account since its inception.

I am also requesting CFPB take action against Flagstar bank for willful refusal to refusal to refund the premiums when provided with evidence the property did not have a lapse in coverage as required by law. My family is continuing to experience financial consequences due to the escrow acct not being accurate. We have had to make additional advance mortgage payments to ensure our account is not reported as delinquent due to the payment amount discrepancies.

XXXX XXXX XXXX

Ive been awarded 18 months free of mortgage from XXXX XXXX Department XXXX XXXX and I was told my XXXX mortgage was sent but flagstar has told me the payment was never sent it is now XXXX and still no payment for XXXX!!!