Like many of you, you have posted your issue with Flagstar Bank I know just how you feel. My wife and I bought our home in 2006 Flagstar is the lender.
We ran into some life issues lost job, health, birth of kids, and ect. Did all we could and got cought up on our payments. Paid off the second mortgage with Flagstar got behind 3 payment on the 1st mortgage due to my wife getting sick even almost lost her never did we not send in money but we were told if it was not the full about it didnt count toward out payment until they had it all. There were a number of times we made full payment by phone and had the transaction number but Flagstar said they never got it and the money came out of our bank account.
We are now looking at having to move because they have foreclosed on our home. We just found out that HUD has sued the bank for over $133 million.
And another thing I cant understand we did a loan mod and the payment was not going to go down but it went up from $748 to $1107 to $1121. I think we all need to get together and file a classaction suit against Flagstar Bank!!!