Refinanced online and they sold my loan to flagstar. I have made two payment errors and have needed to call customer service. The first was i doubled paid my mortgage, and the second was they adjusted down my payment and i misread the month so i sent the reduced payment one month early. They called me and told me i underpaid my $1950 mortgage by $40 and they were accessing me a $79 late fee. I told them i was a good customer and had over paid every month and i was early every month.
And would they please give me a courtesy "by". They would get back to me. Never did. So in both cases i called customer service and was hung up on by their automated 24 hour line. Hung up on. The first time i had to punch in the line for delinquent payees just to get a human. The first time i waited 1/2 hour on hold. And like i said today i got disconnected 3 times by their phone system. If you can possibly not deal with these clowns then don't. Oh how i wish i had stayed with chase.
This bank is the worst in all my 50 years of dealing with not only banks but any business. Please do yourself a favor and stay far away from these idiots. I do not see how something run this poorly and incompetent can still be in business. I wish they would hurry up and go bankrupt.
We have been trying to get a modification since October of last year. We finally got into the trial period and were told to make 3 months of payments by certified check which we did. We were then told to keep making the payments of the agreed upon amount and we would hear from Flagstar. The word we got were harassing letters telling us we were behind in our payments. When we go to their system and look, all of our agreed upon payments were made on time before the due date. If we had it to do over again, we would never do business with Flagstar. This week we just received another threatening letter.