Suzie
Las Vegas,#2Consumer Comment
Tue, June 27, 2006
Thank you for your story and the information to the F.B.I WE will be calling him today In 2001 we refinanced to get away from another lender from hell GREEN POINT we some how got stuck with Flagstar We have had to file bankruptcy over there incompetence we have not seen any statements for almost 4 years when we did send them payments they held on to them until they where late and applied late charges Then they would take payments then send back payments telling us for no reason they could not be accepted they tried to forclose on us 4 times after excepting payments we both have Leukemia and even called them they sent paperwork for hardship we filled it out and them they really started the ride we made as much as 3-4 payments at a time tring to catch up but they are always saying we are behind they state we are behind this started when we were out of state tring to get medical help our home owners insurance lasped since Fidelity Title new gave us clear title to our home that took 6 years so we could not get insurance so Flagstar put on insurance for almost 1,700.00 a year when we could get it for 650-700 a years we have never seen a policy our payments went from 689.00 amonth to 960.00 amonth and they say we are at lease one year behide in payment when we finally got a spread sheet for our loan the say we owe 3,000.00 in attorney fees and our payoff is 8,500.00 more than we ever borrowed So if ANY ONE says that there is nothing wrong with Flagstar of Troy Mi. they are morons we are not tring to refinance out and our new attorney is going after them we have even discussed this mortgage fraud with state goverment court officials and they are SHOCKED but sitting on thier hands NEVADA IS THE WORST STATE FOR FRAUD Do not feel alone you are not the only one who has been ripped off by FLAGSTAR Thank you Janet
Elizabeth
Saint Charles,#3Consumer Comment
Fri, March 03, 2006
I distinctly remember stating that I do NOT at this time or have I ever worked for Flagstar. I used to OWN my own mortgage company and I have dealt with many rats (as we called those of you who could not accept responsibility for your own faults and actions or piss poor credit). As far as being a fool, well I'm not the one who can't seem to manage my finances or my mortgage. My mortgage company is quite happy with me as I actually pay them ON TIME, keep my butt out of bankruptcy and FOLLOW-UP when I see something that causes concern such as my house payment not being cashed. You asked about whether a monthly statement was a requirement by your lender and I answered your question quite politely. I also pointed out a few suggestions for dealing with them in the future in an attempt to help your obviously low IQ'ed self. I will never understand why it is when someone posts a question on the internet they get upset when someone answers. I also will never get why it is that someone gets pissy when they put their situation out on the world wide web and someone actually comments. Its like those morons who go on the Jerry Springer show and when the audience makes a comment they say "Mind your own business." If you want us to mind our business, don't post yours on the internet. Speaking of Springer, I bet you'd make a great guest........
Janet
San Francisco,#4Author of original report
Fri, March 03, 2006
FLAGSTAR CUSTOMERS. I accidently omitted the following information in my posting. The FBI is currently conducting an investigation in Mortgage Fraud, etc. Call FBI Agent, John Gilles at 313-965-2323 and lodge a complaint. This is an ongoing investigation.
Janet
San Francisco,#5Author of original report
Fri, March 03, 2006
Listen Up! I'm going to respond to your comment for the sake of all of us and set this record straight! The first problem with Flagstar IS you can't even get through with that sorry bunch. When I discovered the problem, it took me 6 working days of calling before I was actually able to speak with someone about a problem. ALL the department's voicemail boxes were and constantly are always full, including their manager's box. I was sure to let the CEO and the Chairman of the Board this tidbit. Who knows, maybe big brother is watching? So, how do you try to resolve a problem when you can't even speak to someone about it?????????DA!!!!!! So, do me a HUGE favor and keep your comments and your luck all to yourself. I don't need or want them. I'm letting people know what happened to me so that it will benefit someone else. Save your stupid breath trying to MAMA ME, about what I should have done. That's yesterday and gone. This website is about letting people know what OTHERS have experienced good or bad, positive suggestions to help others in need, not stupid a*s lecturing BY SOME FOOL!. SAVE THAT FOR YOUR HUSBAND, KIDS AND YOUR CO-WORKERS, CAUSE I'M NOT THEM!!!!!!!!!!!! HEY, MAYBE YOU ARE PART OF THAT SORRY BUNCH AT FLAGSTAR? HMMMMMMM...........
Elizabeth
Saint Charles,#6Consumer Comment
Fri, March 03, 2006
1. No, your mortgage company does NOT have to send you a statement every month, bankruptcy or not. This is a convenience for you only. 2. Once you are in a Chapter 13 or Chapter 7 you will deal with a different division of your lender's company. Will they treat you the same? Probably not. Is this right? Maybe, maybe not. Depends on the situation. 3. If you are paying by check then why after oh say 2 weeks of your check not being cashed didn't you call the mortgage company and say "Hey did you get my payment or not?" If it was my house and they weren't cashing my checks I'd call as many times as I had to or sit on hold as long as needed to make darn sure my payment was credited. Just a suggestion. 4. NO, I do NOT work for Flagstar nor have I at any time in the past nor do I plan to at any time in the future. NO, I'm not married to someone who works there, my dad does not own the company and I am not supported by them or any of their subsidiaries. I'm not trying to defend them or say what they are doing is okay - I'm just laying out the facts as I see them. Best of luck to you.
Janet
San Francisco,#7Consumer Comment
Fri, March 03, 2006
You better hope and pray it doesn't ever happen to you because I can tell you that the feeling is undescribable. Just knowing so many people (your family) are depending on you. One minute you safe, the next you standing at the edge of a steep cliff. All because of some greedy corporation/bank. There are so many different circumstances that could domino at any given time. Pray you never lose your job for starters. If something does happen though, know that we're here to help each other and offer first hand information by way of experience. Janet San Francisco, CA
Kelly
Tucson,#8Consumer Comment
Fri, March 03, 2006
My husband and myself got our first mortgage for our first home through Flagstar. We had an ARM with no prepayment penalty. A year later interest rates were the lowest they were going to go, so we looked into refinancing. We actually ended up being able to refinance with Flagstar. We had no problems whatsoever. Every time we call, ask for a copy of a document, anything....they do it for us immediately.