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Emmanuel Rodriguez
2721 SW 152nd Ct
Miami, FL 33185
11/03/2024
Flagstar Bank
Customer Service Department
Subject: Goodwill Adjustment Request for Mortgage Account 506002567
Dear Flagstar Customer Service Team,
I am writing to respectfully request your consideration in removing a recent late payment from my mortgage account, 506002567, as an act of goodwill.
In July, I experienced an unfortunate and unexpected financial setback due to circumstances beyond my control. One of the businesses I work with encountered financial hardship, which temporarily impacted my cash flow. In addition, I was affected by a data breach that disrupted my banking accounts, preventing me from fully utilizing my account and managing payments properly. To keep up with my mortgage obligations, I made a partial payment in July, with the understanding that the remaining balance would be addressed through escrow funds. I deeply regret any confusion this caused and have since taken steps to ensure this situation does not happen again.
Throughout my life, I have maintained a strong record of compliance, not only with this mortgage but with all of my accounts. I have never had a late payment, and this incident does not reflect my commitment to fulfilling my financial responsibilities. The impact of this isolated event has extended far beyond my mortgage, as this single late payment record has severely limited my ability to refinance my property and pursue other necessary plans. With the late payment affecting my credit, I am unable to expand or make improvements to my home, and this mark on my record has discouraged lenders from doing business with me, effectively putting important aspects of my life on hold.
It feels both unfair and unjust to face such significant consequences for a situation brought on by circumstances outside of my control. I value the relationship I have with Flagstar Bank and am committed to maintaining my good standing. Therefore, I respectfully request that Flagstar consider removing this late payment record from my account as a goodwill gesture. My account history speaks to my dedication to meeting my obligations, and I am confident that this isolated event will not repeat.
Thank you for considering my request. I appreciate the time and attention you’ve given this matter and hope for a favorable response that will allow me to continue moving forward with my financial and personal plans.
Sincerely,
Emmanuel Rodriguez
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Desired outcome: Please remove July late payment from my account and credit reports. I made a partial payment but have a perfect record. Despite a data breach, I’ve met all obligations. This one-time issue shouldn’t block my goals.
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Emmanuel, your goodwill adjustment request to Flagstar Bank is well-articulated and effectively outlines the circumstances surrounding your late payment. Highlighting your strong payment history and commitment to your financial responsibilities adds weight to your appeal. You clearly express the negative impact of this isolated incident on your life, which is important for the bank to understand.
Make sure to send this request through a method that allows for tracking, like certified mail or email, to ensure it reaches the right department. Best of luck with your request!