Under HARP, I had negotiated a refinance with Flagstar Bank and received an email saying I was " Approved '' with a " Commitment Letter '' as attachments to the email in 2010. I also received a letter through the US Mail saying Flagstar Bank was " committed '' to helping me keep my home. However, before any payments could be made at the lower interest rate I received a phone call from Flagstar Bank saying the refi loan was not approved. 
I had never been behind on my payments and was not asking for a principal reduction, just simple refinnance to lower interest rate. After continuing to press the bank for two more years to lower the interest rate and live up to their agreement, I was finally forced into giving up the home. Had the payments been lowered with the refinance, it would have lowered the monthly payment by over {$200.00} per month, making it an affordable $ XXXX. 
Flagstar Bank has paid millions of dollars in fines for treating people like me in the manner i described and forcing them into foreclosure. I feel that I am due and eligible for damages from the monies they have paid for their actions. 
