One Word - WRETCHED

Unfortunately, my mortgage was bought by Flagstar Bank.  I'm so angry at them that I can't sit here and type all the details.  I'll give enough, briefly.  Hold times are 45 minutes or longer.  I've been on hold for 1.5 hours before.  They misapply payments, lose money, don't make insurance payments, etc.  They tell you they will fix something, don't, and when you call back and ask why, they say "I don't know".  If I could figure out a way to move my loan with no expense, I'd be doing it right now.

I pray for anyone else who has to deal with them.  God bless you for having to do it.