Worst Bank Ever...

I had no problems until I tried to pay the loan off early.  Everytime I called, I was on hold no less than 45 minutes.  While they were processing the payoff, the next monthly payment came due (the check for the loan balance was in their hands) and they hit me with a 53.69 late fee.  After several phone calls, I got the promise that the fee would be removed.  Yesterday, I get a letter that states if I do not pay the fee within the next 7 day, Flagstar will report me to all major credit bureaus as being delinquent...  WTF!!!

All I tried to do was pay off a loan 12 years early and it has been one of the most painful things that I have experienced....