Flagstar Bank

Unethical business practie complaint to resolve my mortgage loan
Originated Mortgage loan on December 19th 2019 for the amount of $356,816.04 (see attached)
On February 21st, 2020, my loan balance was $355,694.24 with a 12 month forbearance for lose of job that should have been taced on to the back of my loan

On March 13th 2020 Flagstar added an additional loan balance of $40,700.00 as a second loan (this is incorrect) (see attached) taxes and escrow at a discounted rate (please see attached escrow statements straight from Flagstar)
Making my loan balance $389,665.94 on April 01, 2020, which is $32,849.90 MORE than the origination loan amount…. (See attached Flagstar documentation)

03/01/2020 the unexpected Pandemic Hit jeopardizing both my business
By January 2021 due to the impact Covid took on my business I was forced to close them. And received help from Rhode Island Homeowner Assistance Fund.
RIHAF (Rhode Island Home Owner Assistance Fund) approved me and deposited a direct Mortgage payment to Flagstar Mortgage in the amount of $49,149.90 (see attached Flagstar mortgage documents) on March 1st 2021- However Flagstar had the money but did not apply the $49,149.90

Had they applied the payment I would have started back at a zero balance and would had been able to restart making my mortgage payments. That never happened.
In July 2020 an additional expense of $30,763.02 was added to my loan balance and $19,000 was added into an escrow that was never given back to me or applied towards principal balance.

Since February 01, 2023, I applied yet again for a modification as my loan had never gone back to a zero balance to resume payments due to the errors made and payments no applied. Each Month I applied for modification I was told to go back to RIHAF to see if they will give me more money, I have reapplied for a loan modification each month since January. Most of the time they would not review the loan within the 30 days even after calling daily. I have been told each month that my loan is back in foreclosure, and that I have missing documents each month however I have not, (copy of loan documents and proof of signed delivery available as well. I work at a bank, and this has adversely affect my credit, my job status and my future.

At this time, I believe the original loan amount was $356,816.04. After being in an APPROVED COVID forbearance AND receiving RIHAF funds of $49,149.90.
I believe the INCORRECT current Mortgage balance is:
$422,415.82 which included the outstanding debt of at least $32,849.90 from the date of the RIHAF payment of $49,149.90

The estimated correct mortgage balance should be:
$331,667.04
The difference of $90,748.78 (estimated)
I would like to report this agency and I would like to have my loan mortgage reflected to the correct balance with the payment of $2,105.52 per month. Or a check cut for the difference and the money that was unnecessarily put in escrow and/or added to my loan balance incorrectly.

Please accept this letter a complaint filed against Flagstar mortgage and please help me get this resolved. I am unable to make payments and unable to get a modification and unfairly getting put into foreclosure, the exactly and stress it has caused myself and family I am able to look past unless I need to get an attorney.
Please let me know what will done about this and how it will be resolved and by when.
Sincerely
Lisa Carvalho