About Flagstar Bank
We have many clients that contact us with a mortgage with Flagstar. We have several options that might be available for you that would allow you to bring your mortgage current.
Blog Entries about Flagstar Bank
- HAMP Loan Modification with Flagstar
- Flagstar isn't helping me
- Can I get a loan modification with Flagstar
- The only way I can keep my home is with a Loan Modification... is there any other way?
- What are the ramifications of a deed-in-lieu of foreclosure
- I don't think Flagstar wants to help me with my foreclosure
- Can you get Flagstar to call me back and not to tell me they took my home?
- A long story short... I need help with Flagstar
Checked Better Business Bureau: Yes
Better Business Bureau Issues
As of 8/8/07 - form the BBB website:
"The Bureau processed a total of 61 complaints about this company in the last 36 months, our standard reporting period."
Flagstar Bank's Contact Information
|Address:||5151 Corporate Drive |
Troy MI 48098
Reader Comments & Ratings
Average Rating: (1.9/5)
by N'koumitcha Theo TASSA From Charlotte, NC on October 28, 2014
Who are we to judge we are not GOD and as human you don't know who is who and who to trust we just want you to help us have our home back and the only thing me my family knew as brought up from Christian home IT DONT MATTER WHO YOU ARE OR WHERE YOU COME FROM WHAT IS THE COULAR OF YOUR SKIN BUT IN THE HOLY BIBLE WE ALL ONE BECAUSE OF THE SAME COULAR RED OF BLOOD IN OUR VEINS NEITHER AFRICAN AMERICAN WHITE AMERICAN ASIAN COCESIAN AFRICAN SO PLEASE WE DONT WANT ANY TROULBE BUT HAVE OUR HOME BACK. MY CHILDREN ARE CRYING EVERYDAY AND ASK ME IF WE ARE GOING TO BE HOMELLES OR LEAVE IN A SHELTER.I DONT KNOW WHAT TO TELL THEM.SO PLEASE JUST HELP US.THAT IS ALL WE WANT. THANKS.
by Sandi Canterbury From Westfield, MA on April 01, 2014
I would like to start a class action lawsuit against Flagstar regarding loan modifications and them taking 1 1/2 years and forcing my home into foreclosure. They need to be stopped. Please contact me a email@example.com to include me in a lawsuit or to start one. They have to be held accountable for forcing thousands out onto the streets and from being reimbursed from HUD for foreclosed properties when they benefit and get paid from them on all foreclosed properties. Please lets start a class-action lawsuit immediately!!!!
by angela From Johnson City, TN on March 07, 2014
they took my home after they told me to get behind on my payments so they could lower my payments please beware of this bank do not do any dealings with them
by alex From Lake Worth, FL on November 06, 2013
they are the worst of the worst including their staff don't know which way they are going
by Anonymous From New Richmond, OH on June 27, 2013
IF YOU HAVE ILLEGALY FORECLOSED ON YOUR HOME BY FLAGSTAR BANK PLEASE CONTACT ME WE NEED TO STOP THIS BANK FROM CONTINE TO THIS FRAUD ON OTHERS. THE HAVE ALREADY BEEN SUED FOR PREDITORY LENDING BY THE STATE OF NEW YORK FOR 137 MILLION DOLLORS AND BY THEIR INVESTORS FOR 90 MILLION. AND THEY ARE STILL COMMETTING FRAUD. I WILL NEED YOUR NAME, ADDRESS, PHONE NUMBER AND THE EMAIL AND THE ADDRESS THAT WAS FORECLOSED ON. MY INFORMATION IS: EMAIL: firstname.lastname@example.org DANA AND KELLY KOVACIC 1180 E BUFFALO ST GILBERT, AZ 85295 FORECLOSE ADDRESS: 830 E DESERT INN DR. CHANDLER, AZ 85249 PHONE: 480-250-8118 3b32fe9
by Johanna Baerenklau From Elmhurst, IL on January 20, 2013
They are all like this so I would have to say average. Average compared to the rest of the banks who are stealing and abusing americans.
by JB From Elmhurst, IL on January 20, 2013
People need to be helped and compensated for the disaster they have been living through. I say if you valued a house at a certain price you can cover that same amount for the homeowner today. Why do the homeowners have to take the fall on every level. I want a lawsuit and put those broker in jail or payback for the homeowners they misled.
by JB From Elmhurst, IL on January 20, 2013
I have been searching for help since my Flagstar Broker in Oak Brook,IL wrote up loan papers and misled me. Yes I wanted the loan and he said he could do it. I did not realize he would make the loan to his financial advantage. I was going through divorce and trusted him that he would do what I told him I wanted. After having documents deleted by Flagstar(I have proof), writing to 3 of the 4 presidents, being approved for a trial for ten months of payments then denied because of insufficient funds, having final modification documents delivered to the wrong address....the list goes on. I do have the evidence and now more fees and interest at 7.5%(why aren't rates prorated in a modification?)I am sending in more documents again, but wait these just might not be good enough. Flagstar's famous last words!
by Julio Bateau From Detroit, MI on December 19, 2012
For the past 12 months or longer Flagstar and the bank's bureaucrats have bounced me around form place to place. I am a good customer with good credit rating and I still can not find a competent person at that bank to refinance my mortgage.
by Anonymous From Loveland, CO on November 29, 2012
by Randolph Williams From Yale, VA on November 20, 2012
by Anonymous From Springdale, AR on November 17, 2012
This bank is filled with incompetent North American pavement apes.
by margarita From Fort Worth, TX on November 16, 2012
I am starting a petition to file a lawsuit against Flagstar. I was also denied a modification and foreclosed on. My email is email@example.com. Please email me if you would like to be included.
by Anonymous From Salem, WI on October 15, 2012
They have giving me the run around no one wants to help lower my payment I was never late;until I had an accident asked them to help lower my monthly payment past two years. last payment was 1642.00 on DEC, 2011 They raised my mortgage Jan 1,2012 to 1709.00 I am ON Social Security Income Disability If They can lower it to $900-$1000 with taxes and insurance I can afford it
by Angelina Talley From Coppell, TX on October 11, 2012
by Daniel From Malakoff, TX on September 17, 2012
Flagstar took out insurance on my home and charged the escrow to my account. They admit they screwed up and took out double coverage in April 2012 as I had homeowners. This is September and they Say they will fix problem and reimburse me but never have and continue to charge me escrow illegally. I can find no one to help...
by Melina Bartushock From Columbus, NE on September 14, 2012
I have been trying with loss mitigation since April 2012. I play phone tag with them constantly. No one calls back. I don't know what we are going to do.
by DoNOTuseflagstar From Muscle Shoals, AL on August 08, 2012
Flagstar is the worst company I have ever in my life had any dealing with. They are beyond awful. This company needs to be shut down ASAP. There is no excuse for their lack of professional skills or business matters. Please someone do something about them.
by Amber Plowden From Dallas, TX on August 07, 2012
by Felix Galvez From Amityville, NY on July 03, 2012
They wouldn't restructure or refinance our loan or modify it! No matter what we tried to do or explain!
by Shelby Malkemes From La Marque, TX on June 18, 2012
by Anonymous From Starke, FL on June 15, 2012
Don't be fooled by they're nice tone they always start that way now no one will call you back.
by lISA Hinson From Monroe, NC on May 29, 2012
they will take your home no matter what they have to do to take it. they will lie to you on the phone and none of their specialist can tell you anything because they do not know. they can only say it is in review. Not to mention you cannot speak to whomever has your file. I know this is the way they work because I used to close loans for them.
by Anonymous From Cathedral City, CA on April 22, 2012
after months of dealing with this bank i came to the conclusion that this bank doesn't want to help the american dream because they are not longing a american flag
by Anonymous From Baltimore, MD on April 12, 2012
by Anonymous From Orange Park, FL on March 27, 2012
I was foreclosed on while the mod was going on! I never got told about it, since I house is empty DUE to my work transfer to keep my employment. What Type of people r you @ Flag star?
by Stephan From Beaumont, TX on March 13, 2012
Anyone filing a class action suit please post contact info here. I have similar stories as these and these guys are jerks for no reason, despite me paying them thousand of dollars.
by Anonymous From Osseo, MN on February 13, 2012
I have requested a loan modification and it took them 3 years, and nothing so I decided to do a short sale even then they still did not look at my file.
by Jason Iverson From Buckeye, AZ on February 10, 2012
by Jan From Holland, OH on February 09, 2012
When I lost my job in 2002, I tried to work for Flagstar. They told me if I fell behind by 2 payments, we could work out a modification. Nope, they foreclosed on me. Guess I was ahead of my time because there was no help or recourse during the process. I had a valid offer on my home - over $20K than what the mortgage was - but they refused saying it was too far into the process and I had "foreclosure and legal fees that exceeded the sale amount." Needless to say, I lost the house and broke my heart. Flagstar did nothing to work with me and I had the property sold. They should be included in the finding today to be held accountable for their shady practices.
by James Patton From Smyrna, GA on February 03, 2012
by Anonymous From Buffalo, NY on January 28, 2012
by preston williams From Labadieville, LA on January 24, 2012
by howie hucke From Ronkonkoma, NY on January 23, 2012
come and get me flagstar you can all go play with yourselves and I promise you will die miserably
by skhomeowner From Westminster, CO on January 11, 2012
I requested a loan modification due to a divorce and my income being reduced by 60%. I couldn't refinance my loan because my property depreciated by 40,000. I was told that I could'nt modify my loan unless I was 4 months behind on my payments. Once I was behind, my file was closed over and over again even though I sent in all the required documents. When I tried to send in payments I was told I had to send in the total amount in arrears. Next, I was served with foreclosure papers. FLAGSTAR IS ENCOURAGING FORECLOSURE BECAUSE THEY COLLECT ON THE MORTGAGE INSURANCE AND THEN SALE THE HOUSE FOR PROFIT WHILE HOMEOWNERS ARE LOSING THEIR HOMES DUE TO INCOME REDUCTION FROM JOB LOSS, DEATH OF A SPOUSE, OR DIVORCES. I'm filing a civil law suit so if this has happened to you email me at firstname.lastname@example.org with your name and phone number to put an end to Flagstar's corporate greed at the well being of homeowners experiencing a hardship.
by Anonymous From El Paso, TX on January 02, 2012
Three years and two months, and I still am in the modification process with Flagstar. 90% of the comments that I read here sound almost like I could have written them.
by Lawrence Soucy From Clermont, FL on December 15, 2011
I read some of the stories and it doesn't look good that they will help anyone at all. It is a eye opener unfortunately. It's too bad,the government bailed out banks like this. I am caught in the stream of things with some bad health issues.
by Eric Rockinberg From Tucson, AZ on December 12, 2011
by fedup From Lansing, IL on December 10, 2011
In the beginning flagstar appeared to be a good bank, but low and behold as soon as we fell behind 2 years later we were told that the only way they could help us was for us to fall 3 months behind on payments, begrudgingly we did that as started the loan modifications process. They gave us the run around every month about paperwork still being processed, well needless to say, this went on for 7 months until we were served a summons to appear in court in 2010 for them to start foreclosure proceedings! needless to say we filed chapter 13 and stayed in our home I will never recommend this company to ANYONE the unprofessional don't give a damn attitude they carry will bite them in the butt one day, everyone needs help at some point in their life and for flagstar to carry on in this manner is an insult.
by Kelda Harden From Lansing, IL on December 10, 2011
we have made several attempts to work with our lender in regards to bringing our mortgage current. They have fought every attempt made to work with them so we can stay in our home. I'm disappointed at the callous behavior towards our situation, we are trying and they just don't seem to care.
by Joyce and Louie Hefner From Colcord, OK on December 01, 2011
Our home was up for foreclosure and they were going to sell it. We had to move and then it didn't sell so will be given to a real estate person to sell it. When these people get upstairs what are they going to say to God How many people have they foreclosed on and how many people are out on the street because of their practices.
by Anonymous From Homer, LA on November 05, 2011
by Anonymous From Des Moines, IA on November 01, 2011
by peesedoff From Greenup, KY on October 29, 2011
Went through a divorce which took 16 months,tried the loan modification and faxed the same information to them 4-5 times, each time I checked on it it was ground zero. Other debts ran up by my wife forced me into bankruptcy,which I advised Flagstar,and told them I needed an answer on the modification so I would know whether to reaffirm, they told me it would be ok,file the bankruptcy,remove her name and do the modification,since I was in the home. Everyone I talked to gave me a different answer. Rather than be forced out in 30 days with my children in the winter,we moved,still tried all the bs with them. They secured the home...changed locks,told me they would send a key and that modification was still being processed,not to worry,no sale date set on home. My 14 year old son and I was eating dinner at a restaurant,I was reading the newspaper....and guess what,there was my home listed for auction,with embarrassment of my name on it. I called Flagstar and they said no sale date set,not to worry....tell the sheriff that, the bastards flat out lied. My children cried as they loved their home. Hope lawsuits against these predators.
by Anonymous From Maywood, IL on October 12, 2011
Back in September, 2011, I post a comment. Now I was told by Flagstar since I could not do the forbearance plan, there is nothing they can do. I stated before I was with Naca and Naca stated that Flagstar will not reply with them. I wish we could get enough peole to file a civil lawsuit against Flagstar. I have really tried, my husband died in 2009, I have a full time job, sent them my hardship letter and they will not help me to stay in my home. That is so wrong.
by Theresa From Cupertino, CA on October 12, 2011
If you are in Califorinia and are interested in joining our Class Action, please contact me at email@example.com Our experience with Flagstar has been a nightmare beyond words. Please contact me.
by Vanessa From Ontario, CA on September 21, 2011
I just filled a lawsuit against Flagstar bank. They denied my modification then sold my house in auction 3 days later to themselves!!! WTF!!! They are going down!
by Vanessa From Ontario, CA on September 21, 2011
First off Anonymous from Tucson AZ 8/27/09 Screw you and your ignorance!!! No one here is saying it's Flagstar's fault for losing their jobs or going into foreclosure. Have some compassion. We are simply saying we need help, options and insight on our situation. If the bank does not want to work with customers then stop BS us around and just let us know. Maybe we can put up our houses for sale salvage our credit and move on as hard as that might be for some. Ignorant, stupid, petty comments like yours is what is wrong with this world. You probably work for this god forsaken company because you sound just like their customer service. A-Hole!!!!!!
by Anonymous From Maywood, IL on September 19, 2011
My husband died in 2009. I have sent hardship letter and all they have asked for. I applied for a loan modification. They finally contacted me this year paying the same amount i was paying. I been through a lot with them. Now I am dealing with NACA. They will not contact the organization. I have spoke to several representative at Flagstar they will not cooperate. Most of them are so nasty. So I am still waiting for them to contact NACA so I get my reduce payment for my mortgage. Flagstar Bank is something else.
by Donna Dolcemascolo From Howell, NJ on September 18, 2011
by Hanson From Puyallup, WA on September 12, 2011
Per FSB's suggestion a couple of years ago, we finally listed our home for sale in Feb. of 2011. We have had two sales since then. Our most recent offer will expire at the end of Sept. This co. told our realtor that we are in their home modification system. We don't want the house. In fact we moved out months ago. we want to sell and get on with our lives. What is our recourse? How do we get these folks to respond to our request. They have all of our information. What a nightmare dealing with them!
by holly shook From Salem, WI on August 27, 2011
by Claryssa Taylor From Fort Walton Beach, FL on August 25, 2011
I kept trying to send them partial payments, just to let them know that I was trying to keep my home. For 5 years, I have made my payments and felt like they cared about their clients. Now I am stressed and afraid that my 13 year and I will be homeless and all my hard work to obtain the American Dream has gone down the drain. I can't believe this is happening to me.
by Anonymous From Berkley, MI on August 02, 2011
by susan mckelvey From Howell, NJ on July 27, 2011
by SAMUEL KARIUKI From Worcester, MA on July 22, 2011
by Autumn Smith From Chuckey, TN on July 13, 2011
Having owned our home since 2/2005 and originally through a local bank, we refinanced out of our ARM for a better fixed rate and our loan servicing was transferred to Flagstar by our lender Hunter Financial Group(Tempe,AZ).We had fair credit and no late payments and received a 6.75 interest rate and 6 months later was offered by Hunter Finanacial a STREAMLINED refinanced to a lower 5.5 interest rate, still sending payments to Flagstar. When my husband lost his job, we were quickly going through savings and credit to keep up expenses and although we were not behind on our mortgage, I knew we would be and applied for a LOAN MOD to take advantage of the Making Home Affordable in 5/09. I went round and round trying to get info on the status, phone calls not returned, responses that the FILE was in processing and we would hear in three months, sending new stubs, statements, forms, etc every month. THEN in 2/2010,we were told by the case manager Vanessa Ellison (who apparently no longer exists!!) that our FILE actually kept getting pushed back with no notification to us because we had to stop paying and be delinquent for them to consider our application! We stop paying in May 2010 though already a month or two behind. This continues up to 3/2011 when we were denied because we were 14 months behind and had to be no more than 12 months to qualify for Making Home Affordable and now our income didn't meet their guidelines for modification AND the amount we were delinquent. Round two, a different person told us all of that information was incorrect, we never needed to be behind for the program and the numbers they used were not "accurate" to date and we needed to submit a new hardship package, letter and documents all over again. Now 26 months after attempting to be pro-active in saving our home and credit by working with our "BANK" we were sent a Notice of Default and intent to Foreclose. These people are doing absolutely nothing to help, communicate, contact their customers. I have talked to so many rude representatives that I hope when the lawyers get involved that all of my phone calls actually were RECORDED by a company just so they can be requested as a chain of evidence! THE VERY WORST I HAVE EVER DEALT WITH.
by Tonya From Fennville, MI on June 11, 2011
I just received a collection call today from Strategic Recovery Group stating that I owe over $28K on a property that was foreclosed on over 7 years ago. The property in question was firebombed and bull-dozed while in Flagstar banks possession. I just filed a complaint with the AG. The collection company tried to tell me it was in regards to the second mortgage. There never was a 2nd mortgage on the property. Prior to the foreclosure the property was found to have major structural issues which the bank was aware of. I could not come up with the funds to have the home lifted and a new foundation built. A deed in lieu was never offered to me during that whole ordeal. No one would help me, and Flagstar would not return calls. I don't believe that any of that should matter though since it was fire-bombed while they had it and after the foreclosure had already gone though.
by Joyce Hefner From Colcord, OK on June 10, 2011
These people are the worst in the country. We are in foreclosure and they put a $600 bill on top of our payment where we were trying to keep our home and it would make the payment $2500 a month. They put flood insurance on it at the beginning of the year and sent us a notice telling us if we didn't need flood insurance to contact them. I tried and tried but their phone was always busy. We don't live in a flood zone and do not need flood insurance. My husband and I are 72 years old and are going to have to leave our home. I wouldn't recommend this mortgage company to anyone and have spoken to several banking people about it and they say stay away from this company as they are bad. We tried to pay them and they wouldn't accept our check. What and how we treat people on this earth we will be judged by God. We need to treat people the way we would want to be treated as many are having problem and the big corporations do not care what or how they treat you.
by Homebuyer From Berkley, MI on June 03, 2011
I was pleasantly surprised with the quick response I received from Flagstar when purchasing a short sale through them. From the day the offer was accepted by the seller to the day I received the approval letter from Flagstar was less than 2 months. I expected MUCH longer considering the horror stories I have read. I'm giving them a 3 rating because my offer included them covering 3% of the closing costs. NO counter was made by them and the approval letter stated only 1% would be covered by them and this was their policy. It was a surprise there at the end and pretty non-professional. Then again, I got my house for a great price and I'm happy. I guess I'm pretty happy though that my loan is NOT through Flagstar. They might stink as a lender, but are superstars when it comes to approving short sales on defaulted loans.
by Anonymous From Nokomis, FL on May 26, 2011
I'm contacting a lawyer and believe that Flagstar Bank should be
by Anonymous From Gastonia, NC on May 22, 2011
Flagstar is the worst company to deal with. They will take your home and will not try to work with you, never returned call the company is very rude, everyone in that company will telling you something different and their you will be out of your home. They will raise your payments and charge you more than what your payment is. AND THE SAD PART IS WHO DO YOU GO TO FOR HELP!!!!!!! AND FREDDIE MAC WILL ROBBIE YOU AS WELL PLEASE Don't GET A LOAN FROM THEM. THAT IS WHO FLAGSTAR WILL SENT YOU TO WHEN YOU GET BEHIND. SO THEY WILL CHARGE YOU DOUBLE YOUR HOUSE PAYMENTS. I AM SURE THAT SOMEONE OUT THEIR CAN HELP. STOP FLAGSTAR AND FREDDIE MAC FROM ROBBING PEOPLE AND TAKING THEIR Homes. My AUNT IS 77-YEARS OLD AND THEY TOOK HER HOME, AND RAISED HER PAYMENTS SO HIGH THAT SHE COULD NOT PAY THEM.
by Anonymous From Los Angeles, CA on May 20, 2011
Ladies and gentlemen flagstar bank is robo signer and takes properties away from people because our Government allows this corruption in our Nation. Our people are the most peaceful in the world and I thank God for that. If this lenders would have done such thing like the creation of this mess in another part of the world, the story would have a different ending. Flagstar foreclosed my home while in modification. They don't care about you or anyone else in this Country. But try to spend your last dime hiring attorneys and you are going to be in a worst situation than now. Once you get to court your attorney is seen as enemy of the State. Yes the Judges. I can't fight anymore for lock of money and even with fake signatures and anything else in your case Judges are going to be in favor of the lenders
by Miriam From Magnolia, KY on May 14, 2011
I have a mortgage with Flagstar and I always pay on time because by law I have until the 16th of the month to pay without penalties and they still call me to bother me every month to make sure that I pay them. Is really stupid to call customers who always pay on time. The lady on the phone was so rude. I even told her that the payment was made online already and she continue harassing me. They sound more like a collection agency than a mortgage company. I'm selling my home so hopefully soon I will get rid off them.
by Mary Sappington From Fresno, CA on May 12, 2011
by Margarita Parrott From Marietta, GA on April 22, 2011
For the most part they have been ok to work with. They seem to be inconsistent on what they are telling us regarding information they need to consider a loan modification. I don't think they are crooked by any means, but this is a time of uncertainty for a lot of people.
by LISA From Mableton, GA on April 14, 2011
I AGREE WITH THE OTHERS THAT HAVE A COMPLAINT AGAINST THIS BANK. I ALSO BEING TRYING TO GET A LOAN MODIFICATION. BEING GOING ON THREE THREE YEAR ALMOST. NOW THEY WON'T TO TAKE MY HOME ALSO, I HAVE ASK FOR OTHER Options. I FEEL LIKE THEY ARE IN BUSINESS OF TAKING PEOPLE HOME AND GIVE NO HELP.
by Anonymous From Dothan, AL on March 29, 2011
by Anonymous From Rincon, GA on March 21, 2011
by Anonymous From Omaha, NE on March 11, 2011
My husband and I are trying to buy a short sale house from Flagstar Bank. Our bid went to the bank in August. 2010... It is now March 2011 and we still haven't heard anything. Is it possible this bank gets MORE money from the government when they DON'T accept short sales?? Maybe they get some sort of kick back money from the government for every foreclosure?? This is very sad. This country will be full of empty homes because of Flagstar Bank. Sad. I did not put my name because I still have a 1% chance of getting the house... Probably not. If we do NOT get the house, I might have to picket the bank!!
by mark santiago From Orlando, FL on March 11, 2011
by Anonymous From Garner, NC on March 10, 2011
Believe they deal in predatory lending practices. An attorney recently told me that they started as a collection agency and still have that mind set.
by FGL From Coffeyville, KS on March 07, 2011
These people are the worst. They led me along for over a year. I lost my job in Jan 2010. by April we could no longer afford to live there and my wife moved out of state to her sisters to find employment. I listed the property as requested by them heck I even worked on the house. I eventually had to move to be with my wife and family or become homeless. I'd been working with them on a deed in lieu of foreclosure. I called constantly for updates. I sent paperwork as requested month after month. after 4 months they told us they lost all the paperwork we'd sent. We resent it and continued. They continued to show surprise when we brought up deed in lieu saying we have you down as short sale. It's pathetic. before I knew it a collection agency is filing suit on me. I never knew that they had gone in this direction at my last call the customer service person told me that deed in lieu is not mentioned in the file. I feel as though I've been led down the garden path intentionally. my wife has now passed away and I have their nonsense left to deal with. DO NOT TRUST WHAT THE LOAN MITIGATION PEOPLE ARE TELLING YOU.
by meme From Jacksonville, IL on March 02, 2011
they are not a good bank i have been working with them for 2 years for loss mitigation and nothing still hasn't been done they did my foreclosure in 5 months i had lost my job i am a single parent they told me to call two day before my sale date to see if i could keep my home i am now working have been for 6 months they had me sending them the same paper work over and over again i would not recommend no for flagstar bank!
by Anonymous from Corona, CA From Corona, CA on February 28, 2011
By far, Flagstar has the worst customer service i have ever experienced. There is lack of communications between departments. They are all rude and unprofessional.
by Mike Glenn From Boise, ID on February 13, 2011
I feel like the "huns" have invaded America in the guise of Flagstar bank pillaging our homes by fraudulently stealing our homes through their twisted use of our "good faith" system. All supposedly legal! And to use another historical metaphor, branding us with a "scarlet letter" or scarlet dollar sign in the form of bad credit rating through the foreclosure. They just took my home after I repeatedly submitted documentation that they were always able to reject for some technicality or other while reassuring me: not to worry, that the modification would go through. Right up to the day before they auctioned (another banking euphemism for stole) my house. I was actually getting the final rundown on technicalities, like a document needed to be re-dated and resubmitted, the day before they took the house without any warnings that I was wasting my time.
by Anonymous From Perris, CA on January 10, 2011
not willing to work with their customers how are they helping clients facing difficult times...i offered to repay in 3 to 4 payments and paying my current mortgage and they didn't accept....who can help us now!
by Anonymous From Raleigh, NC on January 05, 2011
I get nothing from this bank but a run around from their employees. After submitting information "correctly" and VERIFYING it was submitted correctly, they CLOSED my loss mitigation file without even informing me that they closed it. The thing referenced on their system stated that I submitted a tax return with a signature, and that my documentation was incorrect. My tax return was E-filed and had an ELECTRONIC signature on it, and even stated that it was an e-filed tax return. After speaking with someone today she stated that it is going to take 3 days to recreate a loss mitigation file and now it is still a matter of "if" they will work with me. Seriously, I am just ticked off, and upset that the company doesn't care that me and my two kids could be out on the streets with no where to go. Job situations are bad here, and when I offered them payments they refused them stating that they could only take the "full amount due". What ever happened to payment arrangements and working with people to get both sides results? I keep hearing that the banks are supposed to be working with those of us who are in foreclosure but all I have seen is them giving me the run around and incorrectly documenting my paperwork. Then they close out my loss mitigation claim due to someone OVERLOOKING the fact that my documentation did not require an actual signature. And in addition to this, they never BOTHERED to verify either. Not to mention that none of their employees can give anyone accurate information as to what to submit, and how often, and what documentation is correct or isn't correct. And if you call and verify that your documentation is all there, they still will close out your claim for help based on some detail they could have clarified over the phone by either asking or sending a follow up letter stating they were closing out the claim due to insufficient information or referencing the wrong documents and allowing you the opportunity to either fix the error or set them straight. If they end up working with me through all of this great... but I would never recommend them to anyone.
by Ms. Bridgeport From Bridgeport, CT on December 28, 2010
I have been dealing with Flagstar Bank for over 6 months hoping to modify my current mortgage. I too have been sending them the same paperwork every month, bank statements, hardship letter, and also making payments on the mortgage. I am shocked that they are not helping more consumers when help is needed. My sister was able to get her mortgage lowered without providing any information to the bank right over the phone! She has a 3 month trial and she is with Wells Fargo Bank. I believe these banking procedures are rigged for the top executives and the stockholders to continue to make more money, while people like us who need the assistance just suffer. I am ready to just walk away from my house! It is not fair. This bank should be investigated thoroughly
by dalienna bravo From Orange Park, FL on November 27, 2010
by dalienna bravo From Orange Park, FL on November 27, 2010
by Anonymous From Shirley, NY on November 26, 2010
flagstar is too big,cold and arrogant.
by screwedbyflagstar From Elizabethtown, KY on November 17, 2010
I have been in a loan modifications for over 22 months, after seeing that they are going to screw me out of almost $20,000 in lawyer fees and a lot of other bs. I get the loan mod,they lowered my payment $30, So stupid me fills out the docs and send them in and came home today with foreclosure notice on my door!!!!!!!!! WHAT DO YOU DO !!! The government wont step in and stop these banks from destroying good hard working americans lives. If anyone has info to help me out of this mess please post!!!!
by Damon From Covington, GA on November 11, 2010
We have been dealing with Flagstar Mortgage incompetence over a year now and have gotten so much run around and pathetic service it isn't even funny. After over 1 year they tell us we don't qualify for the save your home plan and that our existing interest rate will stand ,but our payment went up on the mortgage.....exactly what was the point of even trying with this scam services Flagstar runs.
by beralu From El Paso, TX on October 31, 2010
After having Flagstar play games with me for two years, I hired a lawyer who finally is cutting through their BULL. I would advise the same for everyone else.
by firstname.lastname@example.org from NJ From Bridgewater, NJ on October 28, 2010
In 2008 I became ill could not work. So we called Flagstar if we can send 1500 a month instead of 2200. They said no either full payment or nothing at all. So we fell behind. They sent us a letter stating we may qualify for the HAMP (presidents modification). They outsource the delinquent accounts to a company called Sterling Home Retention. We made all the trial payments but by the time the trial was over we were told that the modification was not approved so they put us in a forbearance agreement for 6 months. When asked why we were not approved they said we can't tell you why. Well the agreement ended in March 2010. In February 2010 we received a letter stating they are no longer using their outsource party. I called them in March saying this is our last month on our agreement what should we do they said to continue making payments, so we did. That they couldn't give me answers on my file because they had to wait for my file to be returned from this company. I was assigned someone in their Loss Mitigation dept. Every time I called I would get voice mail or her voice mail box was full and never received a returned call (so in the 7 months that I have been calling I never spoke to this so called person assigned to me). I would call every month to see the status of loan. They would say that we are on a waiting list that they could not tell me when my file would be reviewed to continue making the agreement payments. Now I called them August 26th 2010 to check status once again! Still no answers but this time they tell me that files are no longer being assigned to someone and that confirmation numbers are no longer being given out for our conversations. Well yesterday I called to check in October 27th 2010 and they said my case has been deactivated What! They said they sent a request and told me to send in income verification, taxes etc.. I said I just sent for the millionth time a package in July. They said they sent a request out on August. 27th that I never received. Is that a coincidence the day after I spoke to them they sent out a request I never received. So now I am in a rush to send them what they are asking for even though they received this same information 2 months ago. The bank said we told you that you have to send us copies of income taxes( which is a all day task for me)every 30 days. I never received in writing requesting that I send in copies every 30 days. The bank said oh we don't send out letters we told you on the phone. Are you kidding me? So know I am rushing today to fed ex my copies so they can reopen my case. The bank said once they receive the information they will reopen my case but now we are at the beginning of the list and they don't know when I will be reviewed and now we can go in foreclosure. OMG! over a year and half I have been calling every month sometimes twice a month and would get no answers. I just broke down and cried lived in our home 14 years young children husband at same job for 15 years (he still working) and this forking bank just made me snap I can't take it no more..I think what they are doing is illegal. How can you say you don't send things out in writing? Say I am approved as long as I make trial payments and then I do that and all of sudden I am not approved and can't tell me why I am not approved. They just want to foreclose on your home so they can sell your home get that money and then they collect money from the insurance company. So they will not help us.
by Mary Ann From Woodland Park, CO on October 25, 2010
In 2008, we became behind on our mortgage. When able to send payments again, they were returned, I asked the bank why and they said that until the payments were made up, they would not accept any new payments. They never mentioned putting the overdue payments on the end of loan,they just preceded to foreclose on the property.
by Anonymous From New Richmond, OH on October 22, 2010
Flagstar will cheat you. Add on fees at closing, make payment higher than promised. Will not produce appraisal that you paid for. Then when you get behind due to change in income, they refuse to respond and will take you to foreclosure even though you could keep your home if they would only fix the bad loan they gave you in the first place.
by Anonymous From Compton, CA on October 18, 2010
Can someone step in and get qualified folks to help homeowners that want to stay in their home. It's a shame that Flagstar is allowed to continue.
by Trying to save my home From Exton, PA on October 09, 2010
I've been trying to get a modification since Nov. 2008 as I was going through a messy divorce and tried to get help before my loan went into default. Flagstar originally turned me down for lost mitigation because my loan wasn't in default. Then In June/July of 2009 I fell behind and applied for Flagstar's lost mitigation program in August. I thought I was on the right track to saving my home but the nightmare only just begun as I was given the run around once I filed my application. I've been sending the same information via fax from 4 different sources including 3 different credit counseling agencies, only for Flagstar to tell me they didn't receive it and send it again. This has been going on since the beginning and because I have a FHA loan, as time passes by, most of my options systematically have, or are being eliminated. Which seems to be Flagstar's servicing tactics so they can foreclose on properties with little or no resistance from homeowners or repercussions from the courts and legal system. I've been actively sending every document requested and following up via phone calls the whole time and even had several representatives speak on my behave. Flagstar even confirmed on several occasions via phone conversation they had received all the necessary documents and my file had been submitted for review. But when I called back to check the status of my application, Flagstar said I needed to send the same documents they already confirmed they received over again. I eventually called HUD to file a complaint and have HUD investigating the servicing of my loan. The only problem is it might be to late as all the while Flagstar is still actively proceeding with the foreclosure complaint even while my file is under their review. I can't even begin to tell you all the damage that Flagstar has done to my life, personally and financially. The whole process has been frustrating, demoralizing, depressing, and brought a sense of hopelessness, and downright degrading as I've been practically begging for Flagstar to help me. Now those feelings have turned to anger as it's become obvious that Flagstar's ultimate goal is to prey on and take advantage of unsuspecting consumers, like myself, for profit by foreclosing on my home and others, to collecting the FHA/MIP insurance, and reselling the properties like my home at a profit, just to boost Flagstar's bottom-line. And if you look at Flagstar's Track record you'll see this is Flagstar's common practice. Someone must stand up to these mega-banks and put them out if business for good and protect consumers like myself.
by Anonymous From West Palm Beach, FL on October 05, 2010
Flagstar Bank does not help anyone. We tried to get help from them when we had our condo. All the kept saying is send your recent pay slip and hardship letter. Still we did not get any help. We went to the Foreclosure center in WPB and they were working with Flagstar bank to come to an agreement. They went ahead and auction the apartment during the negotiation. Will they still come after me for the loan? I had PMI was included in my monthly payments
by joanne vela From Corpus Christi, TX on October 04, 2010
DID NOT HELP AT ALL. THEY WILL GIVE YOU THE RUNAROUND AND YOU WILL Lose. What I HAVE READ IS TRUE.
by Diane From Hermitage, TN on October 01, 2010
I was told a couple of days ago that the Loss Mitigation Dept was currently helping people who were 12 months or more past due on their mortgage and that everyone else just had to wait. I am 5 months past due because of a job loss and my income being cut in half. Funny thing is that I had filed paperwork with them for assistance in June 2009. At that time I was only 30 days past due. So it has been one year and 3 months and i have gotten absolutely no support, or anything from these people at Flagstar. The credit counseling office in my hometown told me to call the HUD department directly if they did not help me. (depending on your mortgage type I guess, i have FHA) The phone # is 888-297-8685. I certainly hope this government office is more efficient that the Unemployment Dept or the Dept of Human Services.
by Joi From Lakewood, CA on September 28, 2010
My husband had to get on workmans comp May 09, I tried by myself 1st before I was even behind in payments to get loan modified, the March 10 I was told they could only offer me a forbearance plan because we were not behind yet. Now April 10 I missed, and May as well and got with a Financial agency called Quest Financial Solutions, I am still waiting on a response, but of course I got a default letter from flagstar about 2 weeks ago. Now what is next, I am starting to doubt flagstar, i hope Quest can do something otherwise I ma just saving my money and might have to move if we get no answer soon.
by Leimomi Lee From Tempe, AZ on September 24, 2010
I have been trying to work with Flagstar on modifying my loan. I was concerned that they told me it would take more than 90 days before they could get back with me. After finding this website, I now know why. I can't believe that no one has been able to do anything against the company. I am beginning to believe that the best thing to do is just stop paying and let them kick me out. Not sure why they would want to get me out as they will never get their money out of the house.
by Robert R Kotrola From Renton, WA on September 22, 2010
Due to a downturn in the housing market, and the loss of my job our house went up for sale, and eventually into a short sale. that was 7 months ago. pretty much had an offer after about a month, Took them 5 months to start reviewing it. countless resending of paperwork. once it was all in the said that all they needed was an appraisal. when that came in the prospective buyer agreed to come up to that amount. now the have demanded a promissory note from my Retirement annuity fund of $20.000. When suggested that the buyer might come up with that amount. they said that would be fine but they still wanted the $20,000 from me as well. Now I here that they sold my 2nd mortgage off 3 week's ago which throws a whole new set of problems into the mix. I do belive they would rather foreclose now because in these cases the 2nd mortgage holder gets nothing and it appears that it is a ploy to cut there losses somewhat. I don't belive that they ever wanted to do the short sale. Plus they have been very hard to deal with. A very my way or the highway attitude.
by Lucia From Los Angeles, CA on September 21, 2010
Spoke with several loan modification companies to try to work something out with Flagstar after trying for months on end to do this myself. There is not a loan modification company that will touch it once they hear "FLAGSTAR BANK". Their advice, quit making payments, save your cash, and let them kick you out. They are so inefficient, it may take them a few months, or a few years. Why does the government protect the banks that really don't want to do anything but put you on the street? By the way, something is up as I had one loan modification firm that in 4 years has never had a home go to auction suddenly break off negotiations and 4 of their deals were sold at auction last week! These were not Flagstar deals, but, banks that otherwise WERE helpful in the past. Berneke and Obama conspiracy to break the middle class and force the banks to clean up their books at ALL COSTS? We may never know for sure.
by Don From Los Angeles, CA on September 21, 2010
Don't you find it strange that one of the two positive comments on this site is a "no name" from Troy, Michigan, one of Flagstar's central collection agency locations? Wonder why? Flagstar is crap, corrupt, evil, heartless, without a soul, and really just wants to take your home, even if at a loss, as they know that they are "too big to fail" and the taxpayers will bail them out, yet again.
by john thompson From Upper Marlboro, MD on September 02, 2010
They waited until 1 business day before my sale date to let me know whether or not they would assist me. The law firm that is handling their case has you leave a message for them to contact you.. They usually contact you 2-4 business days. Their lawyers give you a fictitious address for you to obtain payoff information. Then they ask you not to come to their office to seek information. Total garbage and such a scam
by LB From Macomb, MI on August 25, 2010
I lost my job in November 2008. I continued making payments by using my life's savings and eventually found work out of state. I initiated a short sale procedure with Flagstar in April 2010 and (still) have an offer on the table since the day it was listed (in April 2010.) It is now almost September 2010...and nowhere. I have sent in paperwork umpteen times. My real estate agent sent in some paperwork 3 times before they acknowledged receiving it. To this day, they have not assigned it to an agent. Four months later and I'm no closer to a short sale than the day I began.
by burns From Montrose, AR on August 22, 2010
IN PROCESS OF Suing FLAGSTAR. wANT TO JOIN IN? Email me at email@example.com and I will see what my lawyer can do.
by Anonymous From Rockwall, TX on August 19, 2010
by Clarence Rainey From Rembert, SC on August 08, 2010
by Realtor From Frisco, TX on August 04, 2010
Single mom...Call an attorney in your area and they can advise you on stopping foreclosure. Most of you having a good experience with Flagstar are not dealing with the Loss Mitigation department...Not the same horse...
by Anonymous From Berkeley, IL on August 01, 2010
by William From Nashville, TN on July 23, 2010
Flagstar = Bad. Government should step in there before they ruin more peoples lives. That NY company dumped $600 million into it, we as taxpayers dumped $256 million into - and they still are no good. FDIC should just find another bank to take over the deposits and move on. That is my vote. I know of several large law firms that specialize in class action suits, they are looking into it - no fee unless they win, so you know they are serious. Lets pray one steps up. They would contact everyone who had dealt with them in the last 5 or 10 years. Stay tuned and pray for justice.
by Rick Fuller From Alexandria, VA on July 22, 2010
This bank is AWESOME. I have had 2 mortgages with them and NEVER had a problem !!! I would recommend them to anyone who is looking for a mortgage loan. Given all the adverse comments, maybe its a regional difference due to better management in the DC area.
by FL From Southfield, MI on July 12, 2010
Flagstar is the worst mortgage company around. I had been in my house for 5 years and never missed a payment. Both my wife and I were laid off several times within 2 years, but we continued to make our mortgage payments by depleting our savings and using lines of credit. Finally when I saw our "well" drying up, I contact Flagstar in Nov 2009. I work for another mortgage company that shall remain nameless and I am familiar with their modification program. Our company calls customers back, works the applications, and gives a timely response on whether or not we can help them, and what their options are if we can't. Not the case with Flagstar. After repeated calls, I finally got a hold of a manger in MARCH of 2010!!! Only to be told that they could not help me. Now my home is in the foreclosure process and you know what? I don't care! I'm going to stay there as long as I can, pull my money together and get myself prepared to move. If you're waiting for Flagstar to help you, don't. Just save your money, look for other places to move and get your family out of that terrible investment & lending relationship.
by Anonymous From Atlanta, GA on June 29, 2010
I have been working with loss mitigation to modify my loan since February 2010. It is one week before foreclosure sale, and They just now told me..today, and I have been calling everyday that I don't qualify for the hamp program, that they are referring me to the traditional loan modification and to call back friday to see if the sale date has been postponed!!! The sale date is next Tues!
by Larry Stanley From Greenville, NC on June 28, 2010
by Steven Eller From Winston Salem, NC on June 22, 2010
I sought help through their loss mitigation dept and only got a run around. I sent info every month and then they sent me a letter asking for more info and it would take up to 90 days. It never ended.
by Anonymous From New Richmond, OH on June 21, 2010
Flagstar Bank's predatory lending should be stopped! Started with a search on lending tree.com when the house we were renting was put up for sale by owner. Here's our situation: FHA loan given by Flagstar within 18 months of filing Chapter 7. Loan approved to include $800/month overtime earned previous year, Flagstar did not explain that o/t was was included as income to approve loan. When o/t not available, got behind on payments. Overcharged for appraisal, have never seen or been given copy of appraisal & house appraised exactly for needed loan amount. Payment higher at closing also. Letter sent in mail from Flagstar through change of address 2 weeks after closing stating that we were not approved for loan & reasons why. Ameridream down payment 'gifted' by seller was added onto loan total & paid back to seller at closing. Made payment higher at closing.. After 18+ months of working with Hope Now & a volunteer attorney, lender refuses to offer modification and does not reply... Lender took home to sheriff sale June '09 stating no payments had been made on loan and then a predatory lending complaint I filed with Attorney General got sheriff sales stopped after AG contacted lender after they received requested copies of loan paperwork, then AG said they could not act as private attorney... Lender only offered forbearance plan at original high payment that we can't afford without overtime income. Construction lay-offs and unemployment 9 months out of last year. Working now but not on regular 40 hr. basis, and had to take a $2/hr pay cut plus lost medical benefits. Mortgage loan has ruined the credit that we were rebuilding after filing Chapter 7. Lender is in process of taking house back to sheriff sale.... Please Share your story! Email- Want2SueFlagstar@ymail.com. We need to join together to defeat this greedy lender!
by Marcy From Waite Park, MN on June 18, 2010
We got behind about 3 years ago...and needless to say our story is the same as everyone else's...So far we were approved for a modification...however the paperwork is still not forthcoming even though we have complied with every request....the kicker is part of the reason I think that they have not actually foreclosed has been we send all information certified with a signature required Fed-ex...so I know when it got there and who signed for it....I am wondering how long it will take to actually see the paper work and I am getting more distrustful of them by the day
by Anonymous From Detroit, MI on June 17, 2010
Bottom line, worst bank ever. I really don't know what the heck they are trying to do. Every person on this board helped with our money to bail them out, along with other banks, and not one will help. Especially Flagstar. They would rather force you out, sell it, and then come after you. I can't wait until all these people are in the same situation many of us are in. Lets see how they feel when the tables are turned against them. My main question is; why would the government bail them out with our money, and allow them to bankrupt us instead of bailing us out, then working out the issues with the banks. Once they do that, then they can re-sell our worked out loans back to banks that survived this mess that, oh yeah, got us here to begin with. What a joke.
by B Run From Houston, TX on June 08, 2010
I am having the same problems as everyone else. I have been trying to work with them for a year now and it seems Flagstar goes out of its way to make sure nothing gets done with your modification. Every time I call, I have to start all over again. I have never seen such incompetence. There needs to be a class action against this reckless bank. All the comments I have read on this site are exactly what I have been through.
by Johanna From Elmhurst, IL on June 03, 2010
Van all of us get together and fight Flagstar? I have the same story to say about them. I owe $10,000 in interest to them and feel many people can ride out the storm like investments on paper. We all need to help each other. I have no doubts Flagstar will lose in the end but we need to fight for our homes. I have been working since the Fall of 2008.
by sharon carr From Lawrenceville, GA on June 01, 2010
by jacki varnell From Sayre, OK on May 29, 2010
Flagstar Bank cannot be trusted. They will cheat you.
by Arista Walker From Anchorage, AK on May 25, 2010
by steve From Antioch, CA on May 19, 2010
I have not paid on my mortgage since June / 2009. i am now in foreclosure. They say they are behind but will get to me. For 10 months i have had to send them bank statements & pay stubs 9 times. That is all they do, but yet they are going to work with me. BS Save your monthly payments and stay there long as you can. You should have quite a nice nest egg buy the time they foreclose. Flagstar sucks, they just keep assigning you to another agent who never will answer a e-mail or phone message.
by DAWN ORY From Benton Harbor, MI on May 15, 2010
I ASK FOR HELP Modifying MY LOAN AS SOON AS I GOT BEHIND AND Didn't GET ANY HELP
by Elisha Eytcheson From Brookshire, TX on May 14, 2010
by Martine Fisher From Somerset, KY on May 11, 2010
by Anonymous From Silverdale, WA on April 28, 2010
I am currently trying to get our short sale approved. We got an amazing, and clean, offer on the home months ago. Sent documents twice. They accepted them and submitted for approval. Then, the contact just quit her job. Our file, which is awaiting final approval just sat there while they decided what to do with it! They finally gave it to another negotiator, only to find out that she refuses to answer emails AND her voice mail is full. Our buyers keep having to extend their contract for us, but they're looking at another property, as Flagstar can't seem to get it together. Ugh. Frustrating, because we found out that they only have SIX people now working on short sale files! So each person now has 300 files to manage! Our short sale has been approved by investors, and just needs to be signed off officially by Flagstar. HIRE some people! This is ridiculous! I feel badly for the employees, who are being worked like dogs. But Flagstar is going to blow this chance to get fair market value for this house... because they refuse to hire a few more people. Having said all that, I gave them 2 stars.. because through all of this, they are really, really, nice people. Extremely pleasant and helpful, even when you're' behind on payments. Come on Flagstar! Clean these short sales out of your system and let us move on! We have to stay in the house until it closes, and we can't be current on our loan, or else you won't go for the short sale. So our once great credit continues to dive lower and lower with each month of stalling. It's been 4 months on this offer... please.
by Catherine Broadnax From Redford, MI on April 12, 2010
I have been trying to work with this company since July when I first lost my job. I have received nothing but the run around, since that time. Now, I have to start the modification process over again and wait another 90 days and resubmit paper work to them all over again. It seems they don't want to work with consumers, they would prefer to get the houses back!!! This company is very difficult to deal with!!!
by Geri From Redmond, WA on April 11, 2010
I want to file class action suit against this company, also. I tried modifying my loan x 3. It was always either I have too much or too little. I have been an RN for 30 years, but am now on disability and SS disability. They absolutely do not care if you go into foreclosure. I have been told by my CPA and 3 real estate attorneys to just let my home go into foreclosure. I am anxious about this because I do not trust Flagstar. I have missed 2 almost 3 payments because I thought that would encourage them to help me either modify or refinance. Nothing has helped.
by Dean From Sylvania, OH on April 03, 2010
To Barbara From Durant, OK on March 21. I have filed complaints with the Ohio Attorney General, they did get some info from Flagstar and forwarded it to me. They cannot get involved in a legal battle belive it or not. FlagStar basically lied to the Attorney General, saying, I didn't get all the paper work in, then I did, then I didn't, blah, blah. Gave it over to their "EXPERT" and said I'd be called. NOT. Called their expert, because they did give me her name and extension. (I should pass it out???) She never called. I called her 21 times. Different days and times, I have a record, and ALWAYS got her voice mail. I left messages and she NEVER called back. In March 2010 I finally got a letter from Flagstar saying I didn't qualify for a loan modification. I didn't....SHOW A LOSS IN INCOME (Lost job $90th) or NO INCREASE IN MONTHLY BILLS ($1700 for car, health insurance etc.) BS. And, this is the biggest crap./..I haven't missed a house payment. Yet. How about a law suit from all of us who were treated this way and lied to???
by Dean Z From Sylvania, OH on April 03, 2010
Worked with Flagstar since June 2009. Sent all paper work about 6 times or more. They always seemed to misplay it. Then they turned me over to a company called Sterling Modification to help. Oh, boy. But had to send papers again to them. Then, in February 2010 got a letter from Flagstar saying Sterling went out of business and they will be handling my modification again. I lost my job in May 2009, 63 years old. Have always made house payments. Wife is retired. Lost yearly income $85th. Monthly bills increased because of job loss. Car, phone etc. Got a letter from Flagstar that; "I DIDN'T QUALIFY FOR A LOAN MODIFICATION SINCE I HAVEN'T MISSED A HOUSE PAYMENT, SHOWED NO DECREASE IN INCOME ($85TH????) AND NO INCREASE IN MONTHLY BILLS??? So....I guess I stop paying my mortgage and then I'll qualify.
by HGodess From Fort Lauderdale, FL on March 29, 2010
I have been reading these horror stories as I was having the same issue with Flagstar since 8/2009. They gave me the run around as well. They told me It would first take 60 days, then they said 90 days and finally they told me it could take over a year. I found the website below and called them on 3/23/2010. Flagstar in turn called me back on 3/24/2010 changing their tune and telling me how I qualify for so many modifications. They were as sweet as pie!!! I received my loan modification documents today 3/29/2010. Call the number below (888)297-8685. They helped me tremendously. Avoiding Foreclosure: When a Lender Won't Work with You You've done all your homework, explored workout options, talked to a housing counselor and tried to talk to your lender. But, the lender won't work with you. What do you do now? For an FHA-insured loan Your lender has to follow FHA servicing guidelines and regulations for FHA-insured loans. If your lender is not cooperative, contact FHA's National Servicing Center toll free at (888) 297-8685, or via email. Whether by phone or email, be prepared to provide the full name(s) of all persons listed on the mortgage loan and the full address of the property including city, state and zip. We may be able to help you more quickly if you can also provide your 13-digit FHA case number from the loan settlement statement. For a Vain loan First, visit the VA Foreclosure Alternatives page. If you need assistance or have additional questions, talk to a Loan Service Representative. For conventional loans If you have a conventional loan, first talk to a HUD-approved housing counselor at (800) 569-4287. They may be able to help you with your lender. You can also contact HOPE NOW or call the Homeowners Hope Hotline at (888) 995-HOPE to ask for assistance in working with your lender. The website is : http://portal.hud.gov/portal/page/portal/HUD/topics/avoiding_foreclosure/workingwithlenders
by Anonymous From Omaha, NE on March 24, 2010
I have been working with Flagstar since December of 2008 after my husband became disabled. After a few months we were put on a forbearance plan. We made payments as directed in the document that I signed and about 3 months later I got a letter saying that I owed 3 more months worth of payments. Long story short, I had to go back through all of the money orders that I had sent and there were 2 of them that they never picked up the money for. We fixed that issue and then in June 2009 I get a packet of financial documents for a couple in AZ. My husband called the loss mitigation department and they said to just destroy the documents. He told them that if they had been trying to contact us with any information we didn't get it and we needed a call back from our specialist. (You could never reach her because her voicemail was always full and she would not return Email.) I made my next scheduled payment via money order and was contacted a couple days later saying that Flagstar wouldn't accept the payment. When I called they basically told me that my file didn't exist in the Loss Mitigation system. About 10 representatives and supervisors later I come to find out that my specialist said she had requested paperwork and I didn't return it. (The Fed Ex package that I received for the other couple in AZ.) So once again I was directed to fax in financial documents so that I could have a file opened again. I called several times a month to check the status of my paperwork, which I ended up having to fax 5 times. (It cost me $22 each time because like most people I don't have a fax machine in my home.) In December 2009 it was finally reassigned but now she just keeps requesting more documents and once again they have to be faxed. I physically have the money I owe but I can't get anyone to take the payment. Every time I email her with a question or concern she just sends me an email requesting more information (which I've already sent) and completely ignores the question that I asked. I understand that they are a business and they can't be responsible for homeowners not living up to their responsibilities, but if they never had the intention of keeping their forbearance agreement then they should have just foreclosed in the first place and saved me months of stress and sleepless nights. I can't see how it is profitable for them at all to reject funds from homeowners just so they can foreclose and sell property for much less than what is owed on the loan. I'm sure that loss mitigation is overstressed and understaffed, but it seems that their management needs to take a long hard look at where the staff is really needed right now and use the people they have accordingly. From most of the comments on here, it seems that most people started by only being a month or so behind and because of Flagstar's negligence and refusal to accept payments they are not losing out on thousands of dollars rather than maybe one mortgage payments worth. It is really important to me to save my house as it was the house that my grandparents lived in as I was growing up. I do not want to lose it because of a loss mitigation specialist that is just angry at the world. Has anyone had any experience with any lawyers that have been useful? I wish every day for this bank to go under and for all of these self righteous employees to lose their jobs and see how it feels to be treated like the scum of the earth when they aren't able to find a new job in MI and need help with their mortgage!
by Anonymous From Detroit, MI on March 22, 2010
https://www2.fdic.gov/starsmail/index.asp Here is the link to FDIC to file complaints. Bottom line, the bank staff is trying hard to hold on. They are making really bad choices and literally hurting and destroying families along the way. All these VP's and heads of departments have no idea what they are doing. I know four different people, that were all current on commercial loans, that the bank would find some BS reason to default the loan, call the note, and force a sale of the assets through a receiver. Then you see newspaper articles with the President of the bank talking about how they want to be community lenders and help small businesses, but the good loans they have they are chasing out. This is a clear indication of the bank trying hard to get cash and reduce ratio's for the FDIC - A desperate play to keep the FDIC from stepping in - they are trying to trick the FDIC. If only the Government knew what these guys were doing and how many rules they were breaking and how many lives they were ruining - oh, and with the tax payers money to boot - I am pretty sure the FDIC would like to hear about it. Don't be afraid to fill out the form and complain, its the only way to expose them. https://www2.fdic.gov/starsmail/index.asp
by Barbara From Durant, OK on March 21, 2010
I have never dealt with a bank that was so incompetent. I also get different answers to questions each time i call. I wish this bank would permanently shut their door and transfer our loans to a more reputable bank.
by Adams Delna From Agawam, MA on March 19, 2010
Flagstar is terrible, they don't help you, they just want to take your home, no one has any idea what they are doing there.
by Forest Seamans From Mount Clemens, MI on March 15, 2010
by ORRIN AND DIANE JOUDREY From Mardela Springs, MD on March 12, 2010
by Jamie Stevens From Riverton, WY on March 10, 2010
by LB From Spring Valley, NY on March 03, 2010
I have had a pretty decent experience with Flagstar. I couldn't afford my payments anymore because my wife lost her job in July. I stopped paying my mortgage and applied for a loan modification in September of 09. After about 6 weeks my file was assigned to Sterling Home Retention Services who almost immediately approved me for a trial period loan modification. About a week after my 3rd payment I got a letter that I was approved for the permanent modification. I immediately sent back the necessary documents. A week after that I got a call from Flagstar that they are not doing business anymore. I was quite worried because I wasn't getting a clear answer as to where the documents that I sent were. In any event the latest is that they say that they have all the documents and that everything should be OK. they said that they will honor the loan modification that Sterling approved me for. I hope that will be the case. Has anyone had a similar experience?
by Anonymous From Spirit Lake, IA on March 02, 2010
I have been working on a loan modification for the past year and have gotten no help. Finally after 8 months they passed me on to Sterling Home Retention services. By the time i was supposed to be contacted for negotiating my mortgage I find out after two weeks of waiting, that Flagstar is no longer working with the Sterling company. Faxing them all my financial information was useless. Now they are "tracking down my information" from them which is everything they already have, so they can "assign my case". Same story i have been hearing for a year now. If i could hire an attorney i would but unfortunately i can barely afford my house payments and am on the verge of foreclosure.
by magda From Hialeah, FL on February 23, 2010
This institution is the worst thing to ever happen to my financial life. submitted two contracts for short sale with reasonable offers showing evidence on prices on the area and never helped, they don't want to help people only care about themselves, super poor costumer service, people in loss mitigation starting with firstname.lastname@example.org never response to email or messages , Mrs email@example.com very poor customer service, very difficult to get in contact needed to call minimum 20 times daily to get in touch!!!! horrible!
by kathy From Clovis, NM on February 23, 2010
I have to agree with most everyone else, this is the worst bank. My husband was late with one payment and now we are in foreclosure also. We also have documents to back up full payments for the entire year, they just refused to accept January's payment with no excuse, reasons, or information. Do not listen to anyone who works there, they blatantly lie. I am now in the process of attempting to get help from acorn housing and hiring a lawyer. They are not foreclosing for failure to pay, according to the lawsuit it is for breech of contract, but no one will tell us what part of the contract we breached. LOL-It's probably their fault since they didn't pay our insurance for 3 months before telling us that they shorted our escrow account! Thankfully we are insured by Allstate and they never dropped us since we carry other policies with them. To everyone else in dire straights, remember to file specific complaints to FDIC, the Comptroller of Currency Administrator of National Banks,the Housing Authority, and anyone else you can possibly think of. Good-Luck.
by Anonymous From Ashland, KY on February 20, 2010
by lame duck From Forks, WA on February 17, 2010
when i called about my loan modification, she wanted me to send the same info that i sent 3 times earlier, it's been 3 months and no progress, employee blamed another employee fourth delay. Meanwhile i continue to get threatening letters about foreclosure.
by Anonymous From Elkridge, MD on February 15, 2010
Absolutely horrific customer service. One of the most irresponsible, corrupt companies I have ever seen.
by Anonymous From Carriere, MS on February 15, 2010
This company has rude specialists and they do not work for their clients. Part of the reason we are in the situation we are in is because our previous specialist did not work with us like she said she would to prevent the foreclosure. The communication process is horrible. Phone calls from specialists are rarely ever returned and they have a serious problem with keeping up with paperwork that is sent or faxed to them. I have sent the paperwork they requested over and over..constantly faxing anywhere from 8 to 30 pages at a time. We were put on the forbearance plan and were told that we could renew it once it was done. This never happened because our specialist did not redo the paperwork we sent her. Again...faxing and faxing papers (sometimes the same papers over and over because they couldn't find them or claimed to not get them, even though they got the other papers faxed with them) Now we are even further behind and they are telling us there is nothing we can do except sell it or let it go. I even offered to give them $4000 and they told me it wouldn't do any good. It would just be wasted money because they would take the house anyway.
by monica From Hartford, AL on February 13, 2010
WE ALSO HAVE HAD SEVERAL ISSUES WITH THIS BANK. THEY CLAIM THAT WE ARE TWO OR THREE MONTHS BEHIND IN OUR MORTGAGE AND WE HAVE PROOF THAT WE SENT IT. IT HAS CLEARED OUR BANK AND THEY REFUSE TO SEE COPIES OF OUR STATEMENTS- THEY ALSO REFUSE TO GIVE US A FAX NUMBER!!! SOMETHING HAS GOT TO CHANGE HARD WORKING PEOPLE LIKE OURSELVES DON'T DESERVE TO BE SCREWED LIKE THIS! WE SHOULD COME TOGETHER AND FILE A LAWSUIT AGAINST THEM. PLEASE EMAIL ME IF YOU ARE INTERESTED OR YOU HAVE HAD A SIMILAR SITUATION. firstname.lastname@example.org
by craig hendricks From Waddell, AZ on February 11, 2010
i called my mortgage company in september 2008 when my wife lost her job and tried to workout a modification or a reduced payment plan then. they wouldn't listen and said they would not help until the house was 90+ days late. it took a year of struggling with the payments until it was 90+ days late and my credit was shot and now they are auctioning it off...
by Anonymous From Troy, MI on February 09, 2010
I have had a mortgage with this bank. I have never had one problem. It may be a result of never being late! As for the comments about mortgage payments increased...The mortgage lender is not the reason! Either you have done an adjustable rate mortgage or your taxes have increased!!! So get with it people Flagstar is one of the very best!
by Mark From Missoula, MT on February 06, 2010
This is a very interesting site. I was in the mortgage industry five years ago, hired to forecast certain economic conditions within the bond and treasury markets globally (background: degrees in mathematics and physics). I was brought in because I knew nothing about the banking industry and my employers had no idea that I would be so disgusted by what I saw. During my tenure I quickly learned the ‘ins and outs’ of the mortgage industry. My job was to generate revenue for a mortgage company by leading market strategies through forecasting trends in the consumer industry and global markets. Basically, I was hired to model the consumer and their thoughts. Funny, I would end up modeling the disorder and corruption of my employer. The representative from Flagstar I worked with was a good person but the bank, fundamentally, was seriously flawed. The only way I can put this is,…. just plain stupid! The people I worked with and consulted were not intelligent and I feared for the bank as most banks I worked with. Before the crash (mid 2006) the company was clearly dealing with an ill system that came from the top (very top) down. Once again, the employees typically had the best intentions but they defended the values of the company in the worst of times (Jan. 2007) such as rate-locks not being honored - whether faxed or all of a sudden a crash on their network. Eventually I lost respect for the employees because they would criticize the consumer as being unintelligent and irresponsible. I agreed with some levels of consumer irresponsibility, however, the company egos got way out of hand. I had more than one conversation about mortgages and underwriting conditions with Flagstar and other banking executives, unfortunately I am very sorry to say that these are not, on the whole, intelligent people. Sincerely, I wish I could be positive for the banks at large much less Flagstar, but the bank had very disappointing standards in employee intellect and obviously executive management (quickly going under 2.5.10). My impression in banking, in particular, is that politics allows individuals to climb the ladder and politics/manipulation keeps them there, not their intelligence! Not rocket science you say!?? Then maybe we should be hiring rocket scientists to handle the economic security (peak market variables/indicators, risk management, liquidity, etc.) of nations and the world. I guess I don’t have to prove that point seeing as how we are living the proof! Flagstar, if you are listening, I had a fight with your executive out of Seattle and told him he was an idiot when it came to understanding risk and underwriting and now this proves it! Thanks!
by Tim Trickler From Littleton, NC on February 01, 2010
by kimberly beatty From Philadelphia, PA on January 29, 2010
by Richard From Dearborn, MI on January 14, 2010
Flagstar Bank commercial is the absolute worst. They lend and lend when times are good, and then when times bad, they want to throw everyone out of their business, sell them off for pennies on the dollar and sue the debtor. And for what, because the workout officers, or cowboys as I call them, are a bunch of idiots. They claim to be working in the best interest of the shareholders, but they think they are smart and would rather watch families fall apart to please their own egos and believe me, I was not behind on my mortgage, they screwed up telling me I was in default, and I wasn't, now they are spending tens of thousands using a firm that has another couple of idiots giving the bank bad advice while they try to force me into personal bankruptcy. I pray for the FDIC to take them over ASAP so the federal government can uncover all of their games and true values of the properties they hold mortgages on. They are a bad bank with worse people all scrambling to save their jobs, while they milk the companies resources and hurt the value of the stock, all the while breaking laws. Pray for the FDIC to come in, PLEASE!!!!
by Anonymous From Pageland, SC on January 13, 2010
Flagstar is the worst bank ever they paid the taxes of 3 properties that had nothing to do with our loan. We sent documents to correct it and they said that they'd refund our money when they got refunded by the county. They made the mistake but my payment has gone up and they don't care.
by Freddy From Granada Hills, CA on January 07, 2010
Wow... I read the comments about Flagstar..I must say they are doing the same thing to us....we are still waiting for Sterling home retention to call us back. We call every week and they keep telling us 10 days...every time we call. I would like to take Flagstar to court and do a class action. Let me know if you are interested? thanks
by Michelle Terrebonne From Houma, LA on January 07, 2010
by Anonymous in WA From Suquamish, WA on December 23, 2009
We were behind one full payment on our mortgage. On another payment, Flagstar said they didn't receive it, but we were able to get a copy of the cashed corporate check from our bank showing they absolutely had received it. They didn't post it to our account because it went to the Pittsburgh office and not to the Troy office and apparently they don't use sophisticated equipment, such as computers, phones or faxes, to keep all accounts up to date. A month ago one of their reps told us to send in two payments in order to get our account back in good standing. We sent in the payments, and they sent the payments back to us. Now they are saying we are 5 payments behind yet we're sitting on three payments in cash and the one that their Pittsburgh office didn't know how to post to our account, effectively making us one payment behind. They won't work with us at all. I've spoken to several of their reps who give conflicting information at almost every call. I want to know why the news is only reporting on mortgage fraud companies and not the banks themselves as far as why foreclosure rates across the country remain so high. I have contacted government agencies to ask that Flagstar be investigated for its practices and would encourage others to do the same, as well as writing to your congressman about concerns and issues relating to Flagstar. I have to say, I'm hoping they are faced with a huge class action suit in the future.
by p.nowlin From Maysville, KY on December 16, 2009
We had a home in Florida and flagstar would of let the house go to foreclosure if we had not given 2,000 dollars so we could do a short sale. we have had nothing but harassment from flagstar bank. we had a second mortgage with them and they want every little penny even though they got bail out money. they told us we were good for the money according to a lost mitigation person. They are a bad bank and I wish they would close or get some people in that bank that is worth something.
by Tanya From Jackson, MS on December 13, 2009
I called Flagstar in advance to let them know I was about to lose my job & need some help. They told me it was nothing they could do until I fell behind. Boy do I hate this company. Now that I have feel behind, they are trying their darndest to foreclose on my home. I am currently trying to do the home modification loan. SOMEONE please help this company go out of business.
by Thomas Kamego From Warren, MI on December 13, 2009
by Anonymous From Dacula, GA on December 09, 2009
my mortgage is under modification. This bad bank foreclosed on my house
by Franki Lee From Amarillo, TX on December 08, 2009
They have been nice to me when I call but they say it takes 90 days to even assign a specialist to our application for help and they were missing a copy of my husband's W-2 so they said when I send them that copy then the 90 days starts. I am very stressed over all of this.
by ERIN BROOKS From Tabor City, NC on November 20, 2009
I LIKE THE WEBSITE AND THE CUSTOMER SERVICE HAS ALWAYS BEEN GOOD.
by Daniel Price From Belleville, IL on November 16, 2009
We have not liked them since we got them. Our mortgage was sold to them.
by Trixie From Gig Harbor, WA on November 09, 2009
The worst! We took a hit to our income (temporarily) and had to miss a payment. I called immediately to loan counseling, and she put in the computer that we were going to make 1 1/2 payments in Nov, and then December, to catch up. I think we'll be able to pay it in full in Nov. after all. She said that they'd still give us collection calls, but just tell them that we made arrangements. No calls, but got a horrific letter from them tonight telling us that we're in Default, and that they have not been able to contact us! Umm.. they have my phone number (i know this because they accidentally did a robocall on all their customers in September) and my email address. The letter said that we should have called their Loan Counseling Dept., and basically read as if we're ignoring the mortgage. I'm very frightened now, because some have posted here that even if they agree on the phone to let you catch up with partial payments, they'll often just end the money back and foreclose on you anyway! I have to wait to call them tomorrow morning when they open, but I'm physically ill tonight over the letter and the prospect that these sharks might take my house away from me for being late on one payment when I had APPROVED payment arrangements!
by Donald McLendon From Manhattan, KS on November 02, 2009
by Claudia From Pacoima, CA on October 28, 2009
I just want to post my comment and give some relief on some of you reading these comments that can be very misleading and discouraging. Everyone situation is different and you need to meet the criteria for the financial programs available. My husband and I are on the loan and he was laid off last year in October. He was only able to collect 6 month unemployment benefits and my salary was reduce by 25%. I called Flagstar in February and told them my situation. We max out our savings account. they transfer me to their mitigation department. They mailed me a package fill-out with proof of hardship and all supporting documents. They said it will about 90 days to has a negotiator assign to my case. In April we were unable to pay the mortgage payment. By May it was the 90 days and a representative called me(I called them to follow up every month and confirmed they received everything). They said they were with Sterling Home retention and that all the paper work submitted in February had to be updated again with new proofs(paystubs,unemployment and hardship)and that President(Obama) had approved a home modification program and based on the information submitted before I would be able to qualified with that program. In August I receive a package that I was approved by Fannie May. A trial period of 3 monthly payments made on time based on 30% of my income($600.00 less a month). I receive the new modified loan package on October 26th, we had to notarize and send in back before the 30th overnight(paid by them). We have now a loan extended an additional 5 years with monthly payments that are affordable and the late fees were waived. The unpaid monthly payment added close to $11,000.00 but they added only $6,000.00 to the principal. I know they extended the life of the loan and added the fees to the principal, they waived some fees. I am responsible for these fees and they just made my payments affordable and this is what the program is for. I was happy with the outcome. I don't work for them. I gave a rating of 4 because of some of the representatives. Some of them are not with the company any more and we have to understand that the work load they get might be frustrating and you can pay for their mistakes if you are not wised. Just keep calling and you might just get someone that can handle stress better and help you. Be persistent and know what you qualify for after all this is one of your most important asset. God Bless!
by Anonymous From Southfield, MI on October 24, 2009
Also one of the worst banks to work for. I feel sorry for the employees and the customers.
by Dana Stahr From Folsom, CA on October 23, 2009
by Anonymous From Saint Clair Shores, MI on October 21, 2009
by mikko From Holly Springs, MS on October 17, 2009
Flagstar's loss mitigation -aka Sterling home is a total fraudulent joke. In the 6 months, this is what has happened. Now we're into month 7, new mortgage company gave us an foreclosure notice after 15 days. We were told we qualified for their program due to "hardship" because of my brain damage and severe health issues and our note would be lower. I paid March's note and tried to pay others but flag Star refused payments and said I had to deal with Stearling. Out of 6 months, 100's of documents faxed, 100's of documented long distance phone calls and 9 agents, 1 actually called. She told us based on our mortgage, my husbands wages and my disability (not received even after 3 years) our notes would be substantially lowered to under $300. We received the "package" around the 3 month mark, to have a note right at a $1000, almost our original note. We called, talked to a supervisor and she told us to reject the offer in writing and explain and they would send another package. Never another call, response or email- no acknowledgement we existed. We were placed on hold forever, our supposed agents never once contacted us other than the one mentioned. We continued to call daily. We received a letter Sept 28th informing us our mortgage was sold to another company,due October 1st. The new company has in less than 15 days never sent an actual note, just a letter demanding close to $11, 000 stated we never paid earlier payments (which we have proof they were paid ) and they would consider "maybe" working with us. Today Oct.15th , we got a foreclosure letter from the new company.
by Anonymous From Grayling, MI on October 06, 2009
by Anonymous From Labadieville, LA on October 01, 2009
by Gordon Harmon From Saginaw, MI on October 01, 2009
by JJ From Brookfield, CT on September 21, 2009
I spoke to Flagstar today about my application for modification which I faxed to them at the end of June. I have been calling them 1/week since then and they kept telling me it would take the full 90 days to have my case looked at by the modification dept. What they didn't tell me was that they were selling my Mortgage to another lender. I got a letter in the mail on Friday. When I spoke with them today they didn't mention it and neither did I because I wanted status. They went over my application with me and my financials and said it would be another 3 weeks before a servicer from their dept. would contact me. Well the new lender takes over my mortgage on October 1st so do I need to refile all this information with the new lender? I am beyond angry because they didn't even mention that my mortgage was sold. I am not late on my payments Yet but with my decrease in salary i don't know how long i can hang on as I have depleted my savings account. my loan is well over 31% of my monthly income so I qualify for the making home affordable modification but i don't think I'm going to get it with Flagstar. I guess back to the drawing board! I would love to start a class action against them if anyone else is having problems which i believe is the case according to the posts on here. Any interest?
by Jen From Poplar Grove, IL on September 21, 2009
a year after my loan was established and paying on time i received a letter saying my escrow account was below the standard percentage and my mortgage payment would be going up it only went up $150.00 but at that time my Husband who is a contractor, his workload was cut, we have lost about $2000 a month in income, i am currently 30 days past due and have over $300 in late fees I called the bank when I was late on my payment to explain the situation, the rep on the phone was nice and told me to fill out the paper work for a loan modification. I did this electronically about 3 months later they sent me paper work and asked me to fax more recent documents which I have done. I am still waiting on a phone call back which I was told I would be getting its been 30 days since I faxed the documents.. but now about to miss another payment and be 60 days past due. My husbands work is picking up a bit so I'm hoping to just get paid current and not have to deal with this anymore. from reading these complaints doesn't look like i was going to get any help from Flagstar anyway.. Good Luck to everyone out there I hope it gets better for everyone soon. there has to be light at the end of the tunnel....
by Perry From Carmel, NY on September 15, 2009
Flagstar is a joke- i refinanced with them with an FHA loan and for the first two months everything was fine. Then all of a sudden they hit me with an additional 1183.00 a month as they forgot or they blame the title company forgetting to include my school taxes. So they went ahead and paid them and created an escrow shortage not only the past amount but the future amount !! Of course the rep who wrote the loan is no longer with them- I wonder how many bad loans he wrote just to get people to sign. he never disclosed that FHA loans had to have taxes included !!! I plan on writing to their Vice Chairman/president/CEO -Mark Hammond who made $3 million salary last year off of us !! write him at 5151 corporate drive, troy MI 48098-2639
by Nidya From Opa Locka, FL on September 09, 2009
I do not know anybody that has been able to fix their problem with them, including me, even with a lawyer, they ignored absolutely everything, and sent me to foreclosure. PARADOX, the law office that is handling the foreclosure "David J. Stern" I used to work with them, did a goob job with them, and they do not want to hire me, could it be so they can foreclose quicker on me instead of giving me a job (they have so much work that they can't handle it). I bet FLAGSTAR is their best client, never deal with borrower, and just want to take your home, like my 18 year old home from me. I hope God sees this and finally desires to do something about it.
by Pompano Beach From Pompano Beach, FL on September 05, 2009
very suspicious that the only positive posts are from people who are from Michigan....employees of Flagstar??
by d.b. From Madera, CA on September 02, 2009
We contacted Flag Star Bank 2 months before we knew we were going to be in trouble. They are the worst to deal with. Here is a time line: 1. Called Flag Star in Feb. asking for Hope for Homeowners loan modification package as we were looking at problems keeping our home. We just depleted our life savings to try and save our home and are in our mid 50's. 2. Flag star sends out wrong paper work. 3. We Contact the Help program Hope for Home owners and paper work was submitted in April. 4. Flag star sends out right form. 5 Late April, early like 1st week of May we send in completed package. 6.May Flag Star request same documentation we comply again. (We have US mail green cards from where they signed for our packages). 7. June Flag Star requests same documentation and we comply again. 8. Late June early July another Consumer credit outfit calls us on behalf of Freddie Mac. They too submit package to lender again for loan modification under Hope for homeowners program. 9. By this time I have been in contact with Flag Star on monthly basis. They keep saying we should get a phone call any day. 10. July Flag Star requests same documentation again and says our package is a new package so it will be about 60 -90 days before they can get to it as it is first come first serviced. 11. Aug. 2009 We contact Freddie Mac directly. They are like what. 12. Flag star calls us back same day we contacted Freddie Mac. All of a sudden our paper work is on someones desk. 13. Aug. Flag Star calls us and asks for... you got it the same documentation. We send that in again. We are now over 2 months behind in our loan. 14. Sept. 1st 2009 Flag Star employee is in contact with us and says another 60 - 90 days to process our "New Package" as we just got them the documents, and it is on a first come first served basis. That she process in order received, this I understand okay; but How many dated from April, May are still awaiting being processed I wonder. How can this be a new package? They have had our information since April and early May. Just what have they been doing sitting on our paperwork? Taking no action to help us? Has Flag Star intentionally done this? If so why. Our other concern is that the moratorium on Foreclosure is running out in California this month, Sept., and that a 30 to 60 day loan modification process has already taken 5 months and now we are looking at another 2 to 3 more months making it in the 8 to 9 months range. Again is Flag Star intentionally doing this? Why have they waited or are waiting so long to process our package? Could it be they don't want to work with us or with the Hope for home owners program? We have a lot of questions and are quite frankly, tired and frustrated with the way they have treated us. We have continuously asked them to keep us updated, and they have not done anything except ask for the same documentations that has been mailed, faxed and e-mailed to them. Several red flags leave us with doubt and frustration with Flag Star. One is the landslide of complaints filed on consumer Internet sites from people just like us trying to get them to do the Hope for homeowners loan modification. Including past class action law suits against Flag Star and racial bias against Caucasian people that were charged more for their loans than other ethnic groups. The seemingly endless length of time they drag this process out. The endless asking for the same documents. The rudeness of their employees and the lack of answers to our questions and with a big run a round. Is this a common banking procedure to drag out this process? Given the thousands of people like us we can understand maybe 120 days, but this is getting unreal. According to other lending institutions 90 days is more than enough time to process a loan modification. Plus we have mortage insurance. Is Freddie Mac, Fannie Mae receiving many complaints about Flag Star servicing? Flag Star can have my blood on their hands because I am too old to be homeless and living in a tent in one of the richest Nations on the face of the earth. While some flipant employee thinks they can get away with it. I'm ready for a class action against them and if any lawers are out there sign us up.
by Sofia From Los Angeles, CA on August 29, 2009
Flagstar has thousands of violations on their loans. They wrongfully foreclose on you, because our system allows this type of crime and fraud to the people of our Country.
by Anonymous From Craig, NE on August 28, 2009
Most of the complaints above are from people that want to blame other people for their unfortunate circumstances/problems. So is it really a bank's fault that YOU wrote a check when there was not enough to cover it. It is a bank's fault that your husband lost his job....NO. It is a bank's fault that some of you signed up for an adjustable mortgage and when the rate changes (that's why they call them adjustable) you cry about the payment going up..? READ THE PAPERWORK these are called DISCLOSURES.. and everyone gets them before you sign on the dotted line!! If you don't like collections calls... PAY YOUR BILLS!! Those of you that complain about FSB supposedly lost your check to make your payment... you can pay it online..so who's fault is it REALLY!
by Anonymous From Tucson, AZ on August 27, 2009
by Jessica Bultema From Grandville, MI on August 20, 2009
Our mortgage company has been wonderful to us, I just wish that we could be on time with our payments
by Bernadette Davila From Albuquerque, NM on August 19, 2009
I think Flagstar is the worst,worst mortage company around!!!!!!!!! My husband lost his job back in March and I contacted Flagstar to let them know and they asked me to send them all this paperwork so I faxed it into them ASAP and I'm still waiting for help!!!!! They keep telling me that they have up to three months to help me so three months came and went and now they want more paperwork current ones!!!!!!!!! So I faxed that into them they lost the first set so I faxed the current paperwork again!! So I called today 08/19/2009 they told me that my info is inactive now so they will activate my paperwork next week sometime to maybe help me!!!!!!!!! I am so disappointed with this company!!!!!!!! Is their any one out there who has filed a lawsuit or knows of anything I can do please post the info. thank you. I'am so scared of losing my home I have three kids and my father living with me. I'm telling everyone I know not to finance or refinance with Flagstar!!!! I wish someone would of warned me about them when I purchased my home!!!!!!!!!!!!!!
by jesse gaines From Detroit, MI on August 14, 2009
by Dominique From Palmdale, CA on August 07, 2009
horrible service. Been in loan modification for almost a year. Loss mitigation is a joke. no help whatsoever. Scam artists. We all need to get together to force them to do right
by singer From Shreveport, LA on August 07, 2009
Flagstar started off kind of slow and we were close to the end of foreclosure sale date was going to be real soon but flagstar really stepped in along with a wonderful company called sterling home..they really stepped in when we thought it was the end...God is good and flagstar is awesome!!I look forward to many years with them and also recommending many family and friends that i know need a mortgage company!!
by Rebecca Reed From Hanover, PA on August 06, 2009
They have been a wonderful mortagage company and has helped us out a lot in the past year or so. I would highly recommend them to anybody.
by Anonymous From Las Vegas, NV on August 04, 2009
Have presented Flagstar with 2 shortsale offers in the past 6 months, they have countered each offer with several thousand dollars over the asking price, of course the buyers backed out. They are very slow in responding to the offers. It is as if they really want to forclose but are too stupid and lazy to just do it. What do they want???
by Robin Bacus From Lancaster, OH on August 02, 2009
I never missed a payment with Flagstar Bank during a 3 year period. Then after 27 years of hard work I got laid off. I contacted them right away. I was told they would not consider working with me until I was at least 90 days past due. I would never in a million years think of letting my mortgage payment get 90 days past due. I continued to pay each month until finally my savings ran out. We then tried to sell the house. The economic situation didn't help with that. No one who was interested could get a high enough Appraisal to buy the place. We then found someone willing to make the monthly payments and take over the loan. Of course the bank would never approve because they were going to rent the house. We closed and transferred the deed into a trust and 6 months later was told by Flagstar to transfer the deed back and move back in or they would foreclose. We did exactly as they requested. After paying May's payment they sent back the money. Then we sent May and June and they sent the money back. Each time my husband was transferred around and no one could answer the question why. After we sent in 3 months of payments and they were returned finally we were served a summons that they were foreclosing. Making payments on time doesn't always work either. Sometimes trying to do the right thing and make sure the bank is receiving their money doesn't work out either. We can file a chapter 13 and keep the house, but would still have to deal with Flagstar. I do not trust them. I am glad to hear some of you haven't had issues yet. Good Luck with that in the future. Trust me the time will come and you will see exactly what all of us who have experienced the bad side of Flagstar has had to go through. I have worked in banking and finance for 23+ years and cannot believe what is happening to me and my family. We want to keep our home, but they won't let us. They refuse our payments. Sad! I am definitely game for a class action suit against this Bank.
by Tanya From Chicago, IL on July 29, 2009
I was qualified for a modification under the Obama Home Stability Plan in March. I have been calling Sterling Home Retention Services, the company FlagStar chose to modify their mortgages, weekly and I keep being told they don't have the tools they need yet to modify my mortgage. I desperately need this modification to keep my home. Has anyone received a modification through this company??
by Anonymous From Maple Rapids, MI on July 28, 2009
I have been trying to work with them since Jan. 2009. They just kept putting me off - telling me that they were working on a modification.
by Elena From Los Angeles, CA on July 25, 2009
Flagstar is conducting a white collar crime against the people of this Nation. We pay taxes and shall be treated as people not as 0 to the left. Flagstar have lots of mistakes intheir loans. They do usury loans as our systematic goverment allowes this type of crime in this country. Make your issues public and let the goverment known that the TARP money would have been better used for consumers and not for those criminals. Theya re the worst Bank outthere.Check all of your documents and see all the mistakes they have commited in their way of conducting crime. I wonder where is the FBI in all of this fiasco with the lenders. Flagstar just wants to take your homes. And you are correct all of them have less than little knowledge in business. Flagstar just know how to steal your money. They pay more money than what you pay to the mortgage companies, to sell you the worst loans. I think they are possesd by dimons.
by Atoalii Pelenato From Anchorage, AK on July 17, 2009
by Anonymous From Hollywood, FL on July 14, 2009
Still waiting to work out a loan modification since October 2008. The loss mitigation department is non-existent or a fraud.
by Anonymous From Saline, MI on July 06, 2009
has anybody actually foreclosed with flagstar? how many months did it take of you not paying for them to get the foreclosure paperwork rolling?
by Chad Hosteter From Hudsonville, MI on June 25, 2009
by Anonymous From Denver, CO on June 22, 2009
I make all my payments on-time (automatically online). Have had 2 mortgages with Flagstar and have been pleased with them . . . until today. I am trying to refinance under the stimulus package and they blatantly lied to me and told me I wasn't able to because my mortgage insurance company wasn't participating in the program. When I called my mortgage insurance company, they told me that Flagstar has an internal memo stating they won't refi with LPMI because they don't want to pay the premium. What are we talking here, $1,000? If so, roll it into my closing costs and let me pay it. I think they are looking for excuses because lowering my interest rate does nothing good for them. So much for trying to help me out. Thought about missing a few payments to get their attention but after reading this, I think I'll just suck it up and try to get more help down the road! Not a bad bank overall, just not completely forthright!
by Anonymous From Fayette, OH on June 19, 2009
Filled out hardship paper work and they did not get back with me
by Anonymous From Murrells Inlet, SC on June 17, 2009
Attention ALL Flagstar customers who got shafted or are being shafted. PLEASE come together and each and everyone of us need to call our local Congressman etc. and complain. If enough complaints come in they will investigate. Let's all do it! I am!
by Taken From Northville, MI on June 17, 2009
I worked for Flagstar for 3 years as a loan officer. The branch managers are greedy and being straight commission they take all they can. I was let go at the end of January with 3,000,000.00 in my pipeline to close. They only paid me on any loans closed for 30 days. They would not release my client lists which were my previous customers I brought with me from my previous employment. The office I worked for stole my business list. They took the TARP money and then closed 80 branch offices in March. They are a bank and banks don't have feelings. If I received a referral from one of Flagstar's own employee's I had to pay directly out of commission to the employee. This was not shared by the branch manager who kept 50% of my commission. When I questioned their weird pay plan I was treated like I was crazy. They are greedy, greedy, greedy and a group of good old boys.
by anonymous From Phoenix, AZ on June 12, 2009
Very vindictive. When I refinanced my loan through them,they did this at at a time when I had no homeowners insurance. Instead 6 months down the line without warning a policy was purchased by them and I was charged back to the date of my refinance date. This does not bother me as much as the price of the insurance,3,300 which was added to my monthly mortgage payment. My payment went from an already high 1,800 per month to 2,300. I was barely able to keep up. With no idea what coverage to expect from this expensive policy, I submitted a claim for damage to my roof. Their insurance adjuster awarded 9,000 to the claim which 2,000 was deducted for a deductible on the claim. This left 7,000 to fix 9,000 worth of damage.The protocol with which all this was handled took over 6 months. My claim was submitted in august 2008, adjudicated 4 weeks later but no funds were released to fix roof till 3 monthss later. In this time my already damaged roof was enduring 4 different occurrences of wind and rainstorms compounding even more damage including wood under shingles and facsia. During this time communications and customer service were horrible and the red tape was inexaustible. After my roof, or I should say what I could pay for the completion of my roof it took another month or so to get the second half of the funds released. A lien was put on my house and financial, mental, and marital stress were placed upon my family because Flagstar Bank would not pay my roofing contractors in a timely manner. The moral of this story in my opinion is that Flagstar did all they could to bankrupt me and lead me to a foreclosure on my house. There is more to this story but I'm feeling sick to my stomach. No call backs , no feelings, very,very unprofessional. Put me on the list for a class action suit. And everything you read above this complaint I agree with except for what these employees say. Hey knuckleheads, if you want people to believe you quit putting down that you are an employee! One star? I wish I could give them no star! Oh, I think I just did!
by Anonymous From Ann Arbor, MI on June 07, 2009
by Anonymous From Folsom, CA on May 03, 2009 WOW!!!!...look at all the obama voters ************************ You would expect this type of ignorant comment from a racist. People have been loosing their homes for the last 3 or so years due to the economy. This was going on long before Obama was put in office. In your world i'm sure the holocaust is a myth.
by Anonymous From Farmington, MI on June 04, 2009
between poor and average, not willing to reach out to current customers, I've heard other neighbors and friends say the same thing, that they are very hard and very proactive with customers.
by Kerri From Simi Valley, CA on June 04, 2009
My problem began with a shoddy home inspection and nondisclosures of major plumbing and furnace problems while in escrow. I discovered these problems immediately after moving into my property. Unfortunately, the major floods rendered both bathrooms inoperable, so I was forced to keep my apartment for another month. This caused me to begin my relationship with Flagstar as a delinquent customer. I contacted Flagstar and they agreed to accept additional money with each monthly payment until the account was caught up. What they agreed to, and what they do are as different as night and day. For the first three payments I was bambuzzled into authorizing them to deduct the payment from my checking account through Western Union. That fee plus the late fee added up and made it even more difficult to get caught up. They frequently call with threats of foreclosure and called yesterday to set up the May and June payments. I owe $387 towards the missed payment, but they were asking for $2,100 of which I refused to pay. As for the June payment, that is paid with on-line banking from B of A, so I refused to set up payments with Flagstar. I have dealt with numerous people from their Loan Counseling Department who are rude, condescending, and use bullying tactics. Angela is by far the worst an always threatens to document that I am uncooperative with her. When I asked to speak with Caroline, who is very helpful, Angela refused to let me talk with her and again said that I was uncooperative. She also informed me that she, Angela, was my account manager and that Caroline was just someone who answers the phone and wouldn't the have information that she would have. Last week, Angela wanted a date by which I would pay the #387. I gave it to her. Then yesterday, Delores called with the same questions because Angela did not put the date I gave her in the computer. It appears that Angela is passive aggressive to customers who are doing their best to get caught up. I didn't vote for Obama and I am not looking for a handout of any kind. I need consistent information from Flagstar. I need answers to questions. What I have received is a lack of consistent information from many different people and for me that is the biggest issue. 95% of the loan counselors engage in power struggles and with hold helpful information. Several times I felt like I was being set up for failure. The lack of information has cost me additional late fees. I have also been charged an appraisal fee. Angela said an appraiser was sent to my property to look for damage and to see if the property was lived in. The appraisal fee was paid with the extra money that I have sent every month, so now I am further behind and do not have an appraisal report to go with the fees I have been charged. Another issue that I have with them is their hours. They keep east coast hours when I live on the west coast. To me, that is just down right inconsiderate to their customers. In these troubled times, customer service and customer relationships should be important. It's a shame that Flagstar doesn't care about all of their customers. Our success is their success!
by Anonymous From Evansville, IN on May 19, 2009
I've seen several comment that people are only angry about Flagstar because they can't pay their mortgage on time. I do see those types of posts; however, there are also serious issues being addressed that have nothing to do with the customer's ability to make payments. The escrow issue falls close to home for me. I had a loan through Flagstar. Never late! My home owners insurance was cancelled several times due to non-payment. I have no control over when Flagstar pays that bill!! Please do not ignore real issues just because they haven't happened to you personally. Flagstar has major issues consumers should be aware of!
by Lessie Baker From Palm Coast, FL on May 13, 2009
when i got with Flagstar i never missed a payment with them but when i didn't have all the money i asked if I could pay some and try to get the rest they said no they wanted all of it i wish i never got with flagstar they are dead wrong because this put a toll on me and stress for me and my family
by Anonymous From Palmdale, CA on May 13, 2009
This is good to know about Flagstar Bank...from the first month we got our loan with them..they called on the 2nd..where is our money lol..the next month they called on the 3rd i said already paid online (thinking to myself this bank must be desperate lol) Have till the 16th till late fees are due..anyways i pay by 1st now don't wanna hear how desperate they are lol...sorry everyone is having problems with them!!! Dont sound like very reputable Bank to do business with...scarey!
by Anonymous From Flint, MI on May 12, 2009
I have just been screwed by Flagstar bank. I have been working with the bank on a short sale for the last 3 months. The mitigation specialist I'm working with is useless. She came back to us with a counter offer that she said would be accepted and when we did submit it, now the bank rejected it stating they need $5000 more. Who is to say once we do that they won't jerk us around again. My mortgage unfortunately was sold to them and it was been the worst experience of my life. I physically went to the bank in Troy to talk with someone a specialist came "down", you can't go up to meet with anyone. He was the only person who was sincere in helping me, but transferred to another dept. I wonder why? The mitigation's supervisor more or less told me "oh well" it is not my problem you have two places to pay and they wonder why people lose their homes. I have jumped through all the hoops, dotted every i, followed up conscientiously and for what to get shot down. I'm with you they are only interested in the "money" and not HELPING people. Well if my buyers can't come back with a new offer, I will walk away and Flagstar will have what they set out to have MY HOME. Frustrated in Flint, MI
by Sue From Littleton, CO on May 11, 2009
I am currently going thru a short sale and Flagstar started out with $5K, then $10, then $15K on a promissary note, now it's up to $25K!! I may have to go to foreclosure or file bankruptcy...how/why would I pay $25K when I am doing a short sale? DUH. My real estate agent is not doing a great job at this point either - house was on market for 8 mos. w/1 open house. Be very careful of agents people and no, Flagstar is playing hardball with me now....too bad....I am on pins & needles waiting to hear.....
by anon From King, NC on May 05, 2009
Can we all get together and file a class action lawsuit? I hate Flagstar. I too tried to get help since October when I knew we were getting in trouble. They told me we would be ok and not to worry. They quit writing, calling and then we were served with foreclosure a few weeks ago. Even when I had my tax return which was 2,000 short of my total they wouldn't take it. I have tried. We have suffered from lay-offs and 2 disabled children. For people that will make rude comments I didn't know my kids would have medical issues when we secured the loan nor did I forsee job loss. I want my home, and I am willing to pay to keep it.
by Anonymous From Folsom, CA on May 03, 2009
WOW!!!!...look at all the obama voters
by amanda From Abita Springs, LA on April 24, 2009
I thought this company was helping. It wasn't. Would never deal with them again. Nobody knows real answers. They must train in the art of BS. Just remember you can rebuild your credit. They will never rebuild their reputation.
by Anonymous From Canton, MI on April 24, 2009
Loss mitigation was helpful and approved short sale in about 60 days. Always responsive.
by Antoinette Blumenberg From Chicago, IL on April 17, 2009
by William Huggins From Chicago, IL on April 17, 2009
by Anonymous From Turlock, CA on April 10, 2009
I am not defending Flagstar. I am a Realtor and prior loan officer. I can tell you that all the banks are the same. They do not want to work with you they would rather foreclose on your home and collect the insurances money and then put it on the market as an REO. They make more money in the long run doing this than doing a short sale or helping you keep your home. Good Luck!
by Katrina From Trenton, MI on April 09, 2009
Actually, in lieu of what each of the above comments are both good and bad -- We actually have NEVER missed any payments, have immaculate credit here and elsewhere. With that being said, Flagstar has been the most un-customer service friendly organization I've ever worked with. They 'sold' us the perks of the sub-prime loan (2nd mortgage) along with our first - they told us the positives to doing our loan this way, but breezed over all the other aspects which were it was a balloon loan (they told us it was a fixed 30 year-when its a 30 years fixed but due in 15 years) and gave us the pre-payment penalty. Typically, these loans are drafted to customers with poor credit - We've tried asking for loan modification of which they have told us they would send us the paperwork - which we've never received. A minimum hold time has been 35 minutes to even speak to someone who usually is less than helpful. I will never do business nor refer this company to anyone.
by Antony / Shirley Bivens From Charlotte, NC on April 06, 2009
In the whole process with our mortgage and asking for assistance when we first seen signs we could not keep up payments,we were offered assistance as take or leave it option and not understanding or considering we were having a reduction in pay due to circumstances beyond our control.
by Steve From Lincoln, CA on April 04, 2009
Flagstar received received $266 Million from the feds on 1/30/2009. They dont care about the homeowner yet they received money, they dont care about the homeowners hardship, why shoud the feds care about their hardship.
by Stallworth From Mobile, AL on April 02, 2009
We tried several times to work with Flagstar Bank on getting a loan modification. One of the reps told me our problem wasn't her problem. They do not return phone calls and they have no interest in helping people to save their homes. They act like it will benefit them more if your home is forclosed upon. They have no interest and no empathy for their customers needs or their situations. Anything can happen to anyone and it may be one of them in the same situation one day real soon.
by Stallworth From Mobile, AL on April 02, 2009
We tried several times to work with Flagstar Bank on getting a loan modification. One of the reps told me our problem wasn't her problem. They do not return phone calls and they have no interest in helping people to save their homes. They act like it will benefit them more if your home is forclosed upon. They have no interest and no empathy for their customers needs or their situations. Anything can happen to anyone and it may be one of them in the same situation one day real soon.
by Anonymous From Ocala, FL on March 20, 2009
we are in foreclosure now. They have refused our payments for months. they suck, they refuse to call you back or help in any way.
by Anonymous From Southgate, MI on March 19, 2009
Sorry that you people cannot pay your mortgage but you should not take it out on the representatives of the bank they are only doing what they are told...I am on my second mortgage with them and I also bank there...homeowners insurance goes up, taxes go up thus your mortgage payment goes up... maybe instead of giving banks the bailout $$ pay all our homes off, the banks would then have $$ to lend and we would have cash to spend to stimulate the economy..FLAGSTAR is NOT bad...people just need to place blame..it is normal!!
by Anonymous From Rocky Mount, NC on March 17, 2009
After reading all these comments, it is appearant that everyone that hates Flagstar, can't pay their payments and expect the bank to bail them out. So sorry! As posted in here earlier, if you lose your job and can't pay your bill, sell the damn house! Did you vote for Obama too because you thought he was bailing you out of a mess? Crazy! Flagstar is a great bank and they always have jobs listed because they keep hiring more to keep up with demand, not because they fire people. Remember, Flagstar never offered Subprime loans like so many other Banks did and therefore, they only deal with good credit clients. Flagstar offered FHA loans to people with a 500 score last year so yes, there are alot of people who did not deserve a home anyways. Either pay your house payment or find a rental and stop barking about how you got screwed!!!! To those who went thru a life changing situation and deserved the mortgage, I pray for you and hope that your life goes back to where it was before and those who thought the bailout money that the Gov gave the banks was to used for your loans and to bail you out need to understand that this money was to secure the Bank and to make sure they had plenty of money to offer more loans to more people...not Bail you out of a crisis!
by Charley From Staten Island, NY on March 17, 2009
Flagstar Bank the worst bank on earth, They tried to foreclose on us, Would not do a loan modification of any kind. Terrible Bank. Still have a sub prime loan.
by Delna Adams From Agawam, MA on March 17, 2009
Very poor attitude towards people who have problems, they told me if I use anyone else but them, they will stop all my payments and start foreclosure.
by steve From Rockport, TX on March 14, 2009
I've been waiting almost 3 months on a refi with them -rates are up and they want almost any excuse not to do this loan. I may go to court with them -anyone have any information about suing them? email@example.com
by Anonymous From Newburgh, IN on March 13, 2009
by Anonymous From Porter, TX on March 11, 2009
Flagstar is the Worst... we have always paid are payments and they dumped up our payment to 1600 a month on a house that is not worth that we filled out the info on a modification sent it to them certified... they signed and said they never received we sent it in again and for 7 months didnt her anything I sit on the phone ON HOLD for hours and all they says is they havnt looked over it.. And if we pay anything it will void out the modification... So we did what they said that they slapped a focloser notice on my door last week... this company is a joke no1 knoes whats going on and now they say that they never received the papers.... screw them!!!! never in my life will i ever go through them again...
by Jason Stockdale From Attica, MI on March 04, 2009
We had gotten behind before and tried to work with Flagstar and they were rude to us and wouldn't accept any kind of offer to get us back on track. This time my wife called them and they said they would look into a modification and they dragged the process out for over a month, then they turned us down.
by Anonymous From Warren, MI on March 03, 2009
fLAGSTAR IS THE MOST UNCARING INSTITUTION OF ANY THAT I HAVE DONE BUSINESS WITH. NO QONDER THEY ARE ALWAYS HIRING AND FIRING.ITS LIKE A REVOLVING DOOR WHEN IT COMES TO THEM KEEPING THEIR EMPLOYEES...ONE OF THE TOP COMPANIES TO WORK FOR??? i think not
by Beverly Johnson From Southfield, MI on February 26, 2009
by Anonymous From Eastpointe, MI on February 23, 2009
by lizbeth From Valparaiso, FL on February 21, 2009
I found out Flagstar is tapping into the bailout funds but when I call the reps are clueless. Does anyone know if they plan to take the bailout for their own bonuses or to help responsible homeowners from upside down mortgages?
by Lowdell Hereford From Ione, WA on February 17, 2009
by Sue From Casa Grande, AZ on February 13, 2009
Wow, this all sounds exactly like what I'm going through. I've been in contact with them for months. I missed 1 payment in October after being laid off for 6 months and when I sent a payment the next month it was sent back. I've sent them full financial documentation, letter explaining why I was deliquent, etc. Every person I talk to tells me they will call me back and that I should be approved and I never hear from them again. I'm now 2 weeks away from the auction of my house and putting a deposit on a rental. Come on - 1 payment behind? This is why I don't buy all these foreclosure numbers they all talk about - they wouldn't be in this trouble if they just worked with people a little bit.
by Marina Avetisjana From Sacramento, CA on February 10, 2009
by Anonymous From Kalamazoo, MI on February 09, 2009
Pay your bills and you won't have a problem with the company...
by Anonymous From Northport, AL on February 08, 2009
I sent a financial statement, hardship letter, and all required documents to my mortgage company months ago. I have been in contact with them and was told that the "Loss Mitigation" department had so many cases to work on, but they would be in contact with me. I was told that my hardship package had been received and I should not worry about foreclosure because I had taken the appropriate steps in asking for help to get my account current and keep my home. Then on 2/6/09, I received a letter in the mail from an attorney in Birmingham, Alabama stating that I was in foreclosure and my house would be sold next month. Also, there was a forclosure notice in the local newspaper the same day I received the letter. I am devasted. I have 3 children and have been a single parent for 10 years. I want to keep my home and get my mortgage current, but, I need help. I have worked full time on my job for nearly 10 years. I am paid a salary plus commission, but my commission has been substantually cut over the last year or so. I have started working a part time job on the weekends to help my financial situation. I don't understand why my mortgage company has put me in forclosure when I have begged them for help. Before I sent them my package, I received letters from them concerning options available to me to help me get current and keep my home. But, when I asked for this help, no one has even called me from the "Loss Mitigation" department at Flagstar Bank. When I call them, I have been routed to various customer service people who have no authority to implement a workout package for me.
by Anonymous From Bedford, PA on February 06, 2009
Flag Star Bank started refusing payments when I was two months behind and turned my account over to First American without warning when I tried to make payments to get caught up...no duh...I'm behind....they are a piece of work...nuff said!!!
by Anonymous From Las Vegas, NV on February 03, 2009
Flagstar should be reported for fraud. They have sat on numerous offers for so long that after 8 months, our home is in foreclosure. Do they report these losses for bailout money? Scam, scam, scam!
by Marchin Wojciula From Bonita Springs, FL on January 26, 2009
I had got layd of from work because of a medical condition whitch i told them about but they didnt even want to work with me
by g clark From Anthem, AZ on January 26, 2009
flagstar bank is the worset sent a payment itwas sent back we were not told tell 3 months later and have been chared with late fees and 30 days late on our credit score flag bank sucks ! !
by Anonymous From South Bend, IN on January 24, 2009
by Anonymous From Stockbridge, MI on January 15, 2009
wow! I sure wont go to this bank, hfc is a good one.
by Anonymous From Roseville, MI on January 13, 2009
Flagstar is always hiring and firing staff. You will see a constant posting on thier website. How can anyone expect great customer service when they do not keep staff long after training.
by Anonymous From Rossville, TN on January 13, 2009
Flagstar is always hiring and firing staff. You will see a constant posting on thier website. How can anyone expect great customer service when they do not keep staff long after training.
by Emilio Fernandez From Maricopa, AZ on January 12, 2009
rude not flexible there way or no way have tried working with my home has dropped aprox 115k in value they don’t seem to understand 1in to homes are in foreclosure in our town is a mess they have locked in interest rate 7.75 and they are not willing to come down
by Anonymous From Dublin, OH on January 11, 2009
FlagStar is the worse company in the nation. I have been paying the bank since 2006 on time. And paid the bank more than $90,000 and the bank did not send me any 1099s for the interests thay collected. Well, I am trying to get that online but they block the site. I have already filed complaints to the attoney in general.
by HP From Southport, NC on January 07, 2009
Wow..the complaints confirm what I went thru with Flagstar. I sent them a check and they never received...which I was never made aware of..I suffered a reocurrence of injury from a work related injury, was out of work and got screwed by the Fed. Labor board by not paying me for my time off....subsequently with the one payment missing and getting behind 2 more payments from the above mentioned situation...I phoned Flagstar when I was out of work and asked them what I could do until I got things straightened out...they sent me paperwork which I filled out and returned immediately. Called...had to go thru several individuals after a month and found out "they never received". I said I have a copy and will resend.....still no answer....in the interim...I would send what money I had in good faith sighting that I was making an effort..finally after sending a check for $1200.00 to catch up...they 'sent it back', I called...they said " we are starting Foreclosure on the property"...I was flabbergasted....and inquired about the hardship form....."oh they said...thats not our dept., you have to call elsewhere", which they did transfer me....naturally they were not in who was handling my case...he was on vacation for 2 weeks......I could go on...eventually.....I lost my house and my credit is destroyed...because of the lack of concern in 'working with the individual"...and initially...the Fed. Labor board...which is SCUM...the way they treat an on-the-job injured Federal employee....DO NOT ...IF YOU DO SECURE A MORTGAGE WITH FLAGSTAR..GET BEHIND AND SEND ALL CHECKS REGISTERED MAIL IF YOU DO NOT PAY ELECTRONICALLY! Incidently....I finally got to speak to a woman who was higher up with Flagstar lending....she stated 'It is no big deal to us...and that Fannie Mae or Freddie Mac..whomever held the ultimate money on this loan would have to pick it up...No Big Deal" I asked what is going to happen to me..Do I have to repay...she said "Dont worry about it, they are going to take a loss"...and then ..you guessed it...Freddie Mac/Fannie Mae went to the Govt for a bailout! Lastly...the initial check that was lost...came back to me...with postmarks all over the NorthEast US....I still have it and have not opened it ....THE WHOLE SYSTEM IS CORRUPT....BEWARE!
by Thomas From La Porte, TX on January 06, 2009
New loan with them for my house for 3 months, and what a mess I got myself into. Wish I would have seen some of the comments on this site along with others NOT to use this bank. What a mess!
by Anonymous From Burke, VA on January 06, 2009
My younger brother passed away and they don't want to help with transfering the house over to my parents name. The Worst Customer Service!!!!
by Tommygirl101111 From Lansing, MI on December 29, 2008
I really like this bank. Wayne was awesome and made me signing my life away not seem so painful. He just called me to refi. my house because I can get a better rate. I pay online and its easy.
by Bill From Warren, OH on December 25, 2008
Last year they said that they did not get a payment in November. I mailed another two checks out for November and December and they stated that they neve received those checks. So, after stopping payment on three checks, I send it certified now. I took a hit to my credit for being two months past due. My credit was excellent until then. And I wonder about some of these people who post what an excellent bank they are. Makes you wonder if they are not employees of Flagstar Bank.
by Anonymous From Sterling Heights, MI on December 24, 2008
It seems most people's issues with Flagstar come when they are behind on payments or in foreclosure. What is expected? You put up your house as collateral so when you don't pay it gets taken away, just like a car, a boat, a motorcycle or anything else you take a loan out on. Flagstar is not the only company that reacts this way when you miss and/or are consistantly late making payments. I was a day late on a credit card payment and got charged a late charge and received a phone call and my credit card bills are nowhere nearly as much as the loan on a home would be. It is to be expected to be contacted. It is not Flagstar's fault that you lost your job, many people have. A bank is in business to make money not to be your counselor or friend. When a person is late or misses payments the bank is losing their money.
by Jo From Boone, IA on December 22, 2008
Flagstar DOES NOT CARE THAT TIMES ARE TOUGH. They will not work with us...get this, we don't make enough money to be put on a loan modification program. My income has decreased 70% this year (I am a realtor) and we are two months behind and when I ask for help they say _-- the only thing we can do is have a short sale. This is the WORST company I have ever talked to - I have paid my bills on time for 34 years but they don't care.
by charles brand From Jacksonville, FL on December 19, 2008
by Linda Stewart From Phoenix, AZ on December 12, 2008
They have sent me letters from Attorneys saying I owe them 300.00 plus attorney fee, I live on fixed income I'm disabled my husband got sick and in nursing home he's a veteran and I'm on ssi.
by Anonymous From Douglasville, GA on December 05, 2008
They are a ok company as long as you have a job and you pay on time, which I can understand. But what I don't like is the fact that when you face a situation that is out of your control, they are not concerned about there customers. The reason I say this is because long before my mortgage was in foreclosure, I contacted my mortgage company to let them know about my situation and they told me that it would not get looked at until it was in foreclosure.(Also I was told that I could not use my husbands income to help me modify my loan because he was not a co-borrower and that was the only income I had coming in after I lost my job.) SO WERE WAS THE CONCERN AND CUSTOMER SERVICE.
by Anonymous From Fort Meade, FL on December 01, 2008
by Anonymous From Hamel, IL on November 29, 2008
by Pissed off in Manor Texas From Manor, TX on November 25, 2008
Wow, unbelievable. I wish I would of known their was this many complaints against fagstar. I lived and paid on time for the 2 years I lived in my house with no issues. recently, I had an incident with my pet who had to be hospitalized and put in hospital which cost me a couple hundred dollars ($600). I was not able to make this months payment on time. I called to let them know that I would be able to send them a check on the 24th. "Erin" the representative stated that the last day to get check in was on the 28th and that she would have to place it in overdue status and affect my credit. I informed her it is only a day over and you want to ruin 2 years of service and she agreed coldly. I asked to talk to the supervisor and she rudely stated he was too busy to talk to me and would not even suggest in helping me in any way. I am in the process in looking for another lender who is more responsive to people's situation than these dumass. I told hem when their turn is to come for them to ask for help from the government to bail them out, I hope they get the same treatment as they treated the rest of us.
by Tim Kalaris From Laurel, MD on November 24, 2008
This bank is AWESOME. I have had 2 mortgages with them and pay online and NEVER had a problem !!! I would recommend them to anyone who is looking for a mortgage loan.
by no name From Utica, MI on November 11, 2008
I've never had a problem with FSB. Great bank
by Darlene Dunkle From Kings Mountain, NC on November 08, 2008
by Shaffina Brown From Cincinnati, OH on November 05, 2008
by Anonymous From Tucson, AZ on November 04, 2008
they would tell us each a different story. And go back on what they would say to work with us
by Mary Arondoski From Macomb, MI on October 24, 2008
Three different people tell you three different stories. We were told as long as we make an effort monthly we would not be sent to foreclosure but this month someone new tell us they will not accept the payment of $2200.00. Who do you trust?
by Anonymous From Carriere, MS on October 22, 2008
They sent me a packet to work with me but won;t review and all they tell me is that their behind
by Raymond High From Detroit, MI on October 21, 2008
by RAFAEL MARQUEZ From Montebello, CA on October 14, 2008
by pedro marinez From Deltona, FL on October 13, 2008
they don't respond fast
by Bryan From Grand Rapids, MI on October 06, 2008
Flagstar is an excellent bank to deal with. The sit-down banking is great, they respect your privacy, and have good interest rates. I also have a conventional, 30-year mortgage, and have had nothing but success when dealing in this as well. Anyone I have recommended this bank to has been very happy with thier choice, even after several years.
by Roxanne and Robert vangelder From Sanbornville, NH on October 05, 2008
Could of gotten more information maybe to help save our credit in this crisis..The home has dropped in value from appraised at 212.000 in 2007 to maybe 179,000. not sure they have not old me the apprasal..they just got.. but it is now 149,000..the bank wants a short sale soon. and we do too.. Is there any help you can give us...
by Mary Fredley From Fuquay Varina, NC on October 02, 2008
Tried to give them finiancial statements to modify loan, never returned calls about that information, everytime we called they would say they are backed up and will get back with you shortly, would never get back with you, gave us the wrong fax number to fax financial statement, did not work with us at all, or give us any opportunity to fix defaults. Would not accept partial payments. Rude phone operators.
by NoPublicImageFlagstar From Pompano Beach, FL on September 27, 2008
For those of you on this board who are trying to work with Flagstar Bank when it comes to foreclosures forget it. Contact HopeNow and other organizations in your community to workout a loan repayment. Since they are not a major player and don't have the presence or public image to worry about, you need to look past them. Document all your communications directly with them, get names of people you speak to and contact the press and your local leaders in congress. If you are going to be in trouble with your mortgage you can also contact a attorney who specializes in mortgage modifications. Make sure if you give them money to help you with your loan that money is placed into a escrow account. Check BBB to make sure loan mod is not a scam!
by Anonymous From New Castle, PA on September 26, 2008
by mdeitz From Kinston, NC on September 25, 2008
I have been with this mortage for less than six months. The company misread my check and took an extrta $400.00 from my checnking account. To date two months after the problem, they have finally agreed they made a mistake but have yet to return the "extra" money they took "accidently". I am presuing an new lender.
by tracie From Batavia, OH on September 25, 2008
they suck worst bank ever i hope they get put under
by Anonymous From Salem, WI on September 22, 2008
by Anonymous From Salem, WI on September 22, 2008
by Anonymous From Roanoke Rapids, NC on September 20, 2008
by Julius Smith, JR. From Grand Rapids, MI on September 18, 2008
They don't like working with you. If you tell them one thing they will do another. I liked them at first but, they changed on me and then raised my mortgage.
by Anonymous From Newark, OH on September 15, 2008
by molly lundy From Mishawaka, IN on September 10, 2008
by Anonymous From Grand Rapids, MI on September 09, 2008
by Anonymous From Vernon Rockville, CT on September 08, 2008
I have a Money Market Account and I used to have a mortgage (before I refinanced) through Flagstar. I have only received excellent customer service. The only glitch was my town taxes went up and I ended up with an escrow shortfall. Flagstar gave me the option of paying the tax increase all at once ($600+) or dividing it up over the course of a year. I did the latter, everything went fine and I never had an issue with them. They have a great Money Market rate, and even give occasional courtesy calls to see how things are going (they really are courtesy calls- they did not ask for any account info). I know people in foreclosure are really frustrated, but I think it's your situation and not necessarily the bank. You'd be in foreclosure with Bank of America, too.
by Alnisa Almugtadir From Antioch, TN on September 06, 2008
I havent had a problem with them, I think the customer service reps can lighthen up the the company overall is a pretty good company
by Bobby Ming From Bakersfield, CA on September 03, 2008
by Larry Beaudette From Lapeer, MI on August 26, 2008
by Kathy From Allen Park, MI on August 19, 2008
I really love this bank. They treat me great when I go to the bank - plus I love that I can pay my mortgage up to the 15th at their branch without a late fee! I suggest them!
by heather brush From Grosse Pointe, MI on August 14, 2008
by Anonymous From Augusta, GA on August 11, 2008
by Dana From Ronkonkoma, NY on August 09, 2008
Flagstar Bank held payments and charged me late fees. I finally got smart and sent my payments certified mail well in June flagstar claimed they NEVER received my payment even though they had already cashed the check and I had a return receipt -signed. It tolk them a month to find my payment. It gets better. I paid my mortgage for July, get the receipt thar they received it and they sent my payment back with nothing in writting - just the check. They have been sending me foreclosure notices even though I am paying my mortgage. It's insane - something needs to be done to stop this bank from hurting people who are working hard to pay their mortgage. Now I feel as though I need to get a lawyer involved because of all the games they are playing.
by Anonymous From Kissimmee, FL on August 07, 2008
Our mortgage with Flagstar bank was set up with escrow payments in which they would then pay our homeowners insurance and property taxes with our escrow account. They keep forgetting to make these payments, although the money is in the escrow accounts and we have now went through 3 different homeowners policies over this. I call Flagstar, they say they will send out a check, the insurance company never receives one, ends up cancelling our policy for nonpayment and Flagstar then turns around and charges us triple for homeowners insurance. It is insane. Horrible company to deal with, if you have a choice, don't!
by James Moore From Paris, TN on August 05, 2008
by Anonymous From Troy, MI on August 04, 2008
Flagstar is a wonderful company to have a mortgage through and to work for I have been a deciated employee for 10 years and have nothing but good things to say. It seems like eveyone with something bad to say can not pay there mortgage and wants to blame Flagstar for that. Alot of you probally used brokers when you got your loan that where you messed up. Its not Flagstar fault that you cant pay them the money you own them for your house that you signed a orginal note for.
by Terri From Allen Park, MI on July 29, 2008
I love this bank. Very professional and I get great service.
by Anonymous From Little Elm, TX on July 22, 2008
I hate this bank! They told me they were going to call my note due because of an error on my mortgage note and no one is trying to work with me.
by Anonymous From Houston, TX on July 21, 2008
by Anthony Bivens From Charlotte, NC on July 17, 2008
by Anthony Bivens From Charlotte, NC on July 17, 2008
by Anonymous From Grand Blanc, MI on July 15, 2008
I worked for this pathetic company for 15 years. They treat their workers like crap and teach them how to "manipulate" potential customers so they can make their money. DO NOT GIVE THEM YOUR BUSINESS! You will be sorry!
by Anonymous From Bonsall, CA on July 10, 2008
by debra m From Hamburg, NJ on July 07, 2008
by Teresa Holmes From Pasadena, MD on July 03, 2008
Flagstar has been really good about working with us but I am not so sure they will be willing to work with us again.
by Anonymous From Elizabeth City, NC on June 20, 2008
Really haven't had any dealings with them other then submitting my payments on-line and on time.
by Camilo Monroy From Hendersonville, NC on June 18, 2008
I know banks are overwelmethed with people in my case. I have tried to work wiht the bank on a solution to avoid foreclosure which is not good for me or the bank.. Tried in several ocassions to no avail..
by Anonymous From Cherryville, NC on June 15, 2008
This company has some of the most rude and nasty people I have ever had to communicate with! People skills are a plus when you work with the public.
by anonymous From Waterford, MI on June 10, 2008
Flagstar is the WORST bank out there. DO NOT do any business with them if at all possible! We are currently going through foreclosure with them, and they are suing us. We had the house on the market for almost three years, and due to the falling housing market, had to try and do a short sale. Flagstar promised to work with us, and we brought them four REALLY good offers. We even offered to sign a loan for the difference. Flagstar then turned around and told us that they have a zero tolerance policy and will not work with anyone unless they have the full amount at closing.
by Angie Nelson From Sherrard, IL on June 03, 2008
They have been horrible to work with. We were proactive in trying to work our a plan/modification/foreberance or anything that would help us until I was to regain employment. They offered no solutions except a 3 month payment plan which did little to nothing to help our situation. They have continued to tell us there are no other options for us and to let a foreclosure take place, rent, and start over in 10 years. This was our first home purchase and we have a 10 month old daughter, we wanted and are now able, to keep our home do provide a stable environment for our family and they have done nothing to be of assistance. I found out through my own research that there were programs available, such as a payments by our PMI group, that could have helped us but we found out about them too late!
by Betty Bennett From Benton, MS on May 30, 2008
by maria. aused-rivera From Tampa, FL on May 29, 2008
by Amanda Emmert From Camby, IN on May 16, 2008
by Anonymous From Myerstown, PA on May 16, 2008
by Anonymous From Locust Grove, OK on May 12, 2008
by Anonymous From East Tawas, MI on April 27, 2008
by greg kocurek From Olympia, WA on April 22, 2008
I do not feel that with the problems of today that this bank tried working with me at all i fall a little behind and they would rather kick me out than let me make up the payments
by gina burgos From Tucson, AZ on April 11, 2008
by VANESSA TOTARAM From Orlando, FL on April 07, 2008
by Anonymous From Yuma, AZ on April 04, 2008
They are unprofessional, and never keep any information in the computer, so each time you call you have to start all over again.
by Anonymous From Cleveland, TN on April 03, 2008
I don't like the fact that Flagstar Bank does not provide you with all of your options up front. I got most of my information from other lenders
by stephen tackett From Chillicothe, OH on April 03, 2008
They are great as long as you dont get behind because they will call you daily starting 2 days after your payment is due(supposedly a courtesy) and continue that with daily letters daily after 5 days past your due date,then they dont seem to care at all as far as working something out with you unless maybe you are all the way to foreclsure status (hopefully I wont get that far).
by gina burgos From Tucson, AZ on March 31, 2008
by Anonymous From Fayetteville, AR on March 18, 2008
by Anonymous From Aliquippa, PA on March 04, 2008
BEWARE>>>BAIT AND SWITCH ARTISTS
by Steve Durham From Westland, MI on February 27, 2008
by Anonymous From Port Richey, FL on February 07, 2008
by Anonymous From Port Charlotte, FL on January 29, 2008
my husband died 2 years ago trying to get flagstar to do a deed without foreclosure they refused wants me to open up a probate on my husband which would cost over 2,000.00. they call asking for my husband all the time i sent his death certificate to them
by Bryan Leek From Pleasant Prairie, WI on January 28, 2008
by Anonymous From Pinconning, MI on January 28, 2008
My boyfriend and I single mother of three bought the house on a fixed income loan, and a fixed income. we are in and 6 months after we signed the papers Flagstar bank jack our house payment from 565.00 a month to 815.00 We have not been able to keep up ever since then now we are in foreclosure and they wont help. Looking to have to live on the steets.
by Anonymous From Cashion, AZ on January 01, 2008
flagstar bank for my first payment they lost my check i hate this company i wish i had never moved
by Anonymous From Blue Rock, OH on November 29, 2007
I am current on my original payments of $800. Flagstar refuses my payments and wants $1600 / month. It is a fixed rate mortgage. I get no where talking to them.
by Brian From Lincoln, NE on September 13, 2007
Flagstar Bank is a very reputable institution. I worked with their whole- sale mortgage division as a mortgage broker for 10 years and never had a problem. I also have had and still do have a mort-gage loan on a duplex and have had no troubles on that in the five years I've had it.
by Anonymous From Robards, KY on August 20, 2007
Flagstar Bank made it impossible to bring loan current after a NSF. (Had $) Still fighting them in court after 3 years. BEWARE!!
by Anonymous From Detroit, MI on August 10, 2007
I am a single mom, head of house hold, with 1 young child. What can I do to stop foreclosure. I received a statement yesterday stating that my home will be in foreclosure with Flagstar Bank.
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IMPORANT NOTICE – PLEASE READ There is no guarantee you will receive a loan modification. Even if you accept this offer and use our service, your lender may not agree to change your loan. Loan Modification approval is dependent on criteria including but not limited to hardship, income, debt ratios. American Foreclosure Specialists is not a Bank, nor a government agency or government affiliate. Our services are not approved by the government or your lender. American Foreclosure Specialists assists in the document preparation, working with and communication with your Mortgage Bank in the attempt to acquire an approved Loan Modification. If you stop paying your mortgage, you could lose your home and damage your credit rating. Loan Modification Plans are dependent upon mortgage company criteria and financial information gathered as part of the efforts of AFS. The information and notices contained on this website are intended as informational and should not be regarded, as financial or legal advice. AFS attempts to ensure that the material contained on the website is accurate and complete at the date first published, however you should recognize that information contained on this website may become out of date over time. Readers who have particular questions regarding real estate law, finance, or who believe they require legal counsel, should seek the advice of a financial advisor or an attorney. Submitting a contact request, gives AFS consent to contact you by telephone and/or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.