I was going through a divorce, my ex had exclusive posession to the property Flagstar had a mortgage on. It was getting paid on time until May 2013.
The payment went past due. By the time I was able to get back to court, it was 60 days past due. I was granted exclusive possesion of the property and immediately got the mortgage up to date. I called Flagstar once my divorce was final and explained what happened.
They told me on two separate occasions, that if I supplied them with supporting documents stating I was not responsible for the payments at the time it went past due, they would remove it. I faxed them what they asked for and within one week I was notified by mail that they were making no changes to my credit report. I am so frustrated. if they told me from the beginning there was nothing they could do, I would have explored other options.
I need to refinance that property and another one I was awarded in the divore but with this late payment, I am not sure I will be able to. Just bad business, bad customer service.
Product or Service Mentioned: Flagstar Bank Mortgage.