Flagstar Bank, N.A. -- Consumer Complaint Report & Risk Analysis
Payment Process and Mortgage Issues
Complaint Summary
Flagstar Bank, N.A. has received 846 consumer complaints filed with the CFPB across 7 products. The most common issues reported are trouble during payment process, struggling to pay mortgage, applying for a mortgage or refinancing an existing mortgage. Complaints span 45 states, with California and Florida leading in complaint volume.
Company Overview
Company: Flagstar Bank, N.A.
Total CFPB Complaints: 846
AI Risk Score: 841/100
Most Recent Complaint: 2022-04-06T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: high
- Consumer Harm Severity: low
AI Company Analysis
Flagstar Bank, N.A. has 841 consumer complaints on file with the CFPB. 11 complaints about trouble during payment process 5 complaints about struggling to pay mortgage
Response Quality Assessment
fair
Top Consumer Issues
Trouble during payment process -- Severity: medium
Red Flags
- Multiple complaints about payment issues and mortgage struggles
Green Flags
- No significant green flags identified
Consumer Tips & Advice
Contact Flagstar Bank for assistance with payment issues.
Complaint Trend Analysis
Trends show a consistent volume of complaints over time, with a slight decrease in recent months.
Regulatory History
Regulatory history shows no major violations but ongoing scrutiny for payment processing issues.
Industry Context
Flagstar Bank offers mortgage and checking services, with a focus on consumer reports and payment solutions.
Frequently Asked Questions About Flagstar Bank, N.A.
How many CFPB complaints does Flagstar Bank, N.A. have?
Flagstar Bank, N.A. has 841 complaints on file with the CFPB. The most recent complaint was filed on June 8, 2021.
What is Flagstar Bank, N.A.'s complaint response rate?
Response rate data is not yet available for Flagstar Bank, N.A..
Does Flagstar Bank, N.A. respond to complaints on time?
Timely response data is not yet available for Flagstar Bank, N.A..
Is Flagstar Bank, N.A. safe to do business with?
Payment Process and Mortgage Issues Flagstar Bank, N.A. has 841 CFPB complaints. Risk score: 841/100.
What red flags exist for Flagstar Bank, N.A.?
Potential red flags for Flagstar Bank, N.A.: Multiple complaints about payment issues and mortgage struggles. These are based on analysis of CFPB complaint patterns.
What are Flagstar Bank, N.A.'s strengths?
Positive indicators for Flagstar Bank, N.A.: No significant green flags identified.
What tips should consumers know about Flagstar Bank, N.A.?
Contact Flagstar Bank for assistance with payment issues.
Are complaints against Flagstar Bank, N.A. increasing or decreasing?
Trends show a consistent volume of complaints over time, with a slight decrease in recent months. Flagstar Bank, N.A. currently has 841 total complaints.
Has Flagstar Bank, N.A. faced regulatory action?
Regulatory history shows no major violations but ongoing scrutiny for payment processing issues.
How does Flagstar Bank, N.A. compare to industry peers?
Flagstar Bank offers mortgage and checking services, with a focus on consumer reports and payment solutions.
What are the most common issues reported by consumers?
The most common issues reported are trouble during the payment process and struggling to pay the mortgage.
Recent Complaints Against Flagstar Bank, N.A.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #6307331 | Mortgage | Trouble during payment process | 2022-12-11T12:00:00-05:00 | Florida | |
| #6303333 | Credit reporting, credit repair services, or other personal consumer reports | Credit monitoring or identity theft protection services | 2022-12-09T12:00:00-05:00 | Georgia | |
| #6299293 | Mortgage | Trouble during payment process | 2022-12-08T12:00:00-05:00 | Florida | |
| #6288884 | Mortgage | Trouble during payment process | 2022-12-06T12:00:00-05:00 | Illinois | |
| #6276121 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2022-12-03T12:00:00-05:00 | Florida | |
| #6268799 | Checking or savings account | Opening an account | 2022-12-01T12:00:00-05:00 | Michigan | |
| #6258956 | Mortgage | Struggling to pay mortgage | 2022-11-29T12:00:00-05:00 | Maryland | |
| #6257677 | Mortgage | Applying for a mortgage or refinancing an existing mortgage | 2022-11-29T12:00:00-05:00 | North Carolina | |
| #6238396 | Mortgage | Trouble during payment process | 2022-11-23T12:00:00-05:00 | California | |
| #6230941 | Mortgage | Trouble during payment process | 2022-11-21T12:00:00-05:00 | Florida | |
| #6230308 | Mortgage | Struggling to pay mortgage | 2022-11-21T12:00:00-05:00 | Florida | |
| #6222797 | Mortgage | Struggling to pay mortgage | 2022-11-19T12:00:00-05:00 | Texas | |
| #6221300 | Mortgage | Trouble during payment process | 2022-11-18T12:00:00-05:00 | Georgia | |
| #6217627 | Mortgage | Trouble during payment process | 2022-11-17T12:00:00-05:00 | Florida | |
| #6216922 | Mortgage | Struggling to pay mortgage | 2022-11-17T12:00:00-05:00 | South Dakota | |
| #6198640 | Mortgage | Trouble during payment process | 2022-11-13T12:00:00-05:00 | California | |
| #6194595 | Mortgage | Struggling to pay mortgage | 2022-11-12T12:00:00-05:00 | California | |
| #6194852 | Mortgage | Trouble during payment process | 2022-11-11T12:00:00-05:00 | Texas | |
| #6189566 | Mortgage | Trouble during payment process | 2022-11-10T12:00:00-05:00 | New Hampshire | |
| #6165757 | Mortgage | Trouble during payment process | 2022-11-04T12:00:00-05:00 | Iowa |
Flagstar Bank, N.A. Complaints by State
- Flagstar Bank, N.A. Complaints in California -- 84 complaints
- Flagstar Bank, N.A. Complaints in Florida -- 49 complaints
- Flagstar Bank, N.A. Complaints in Texas -- 42 complaints
- Flagstar Bank, N.A. Complaints in Michigan -- 31 complaints
- Flagstar Bank, N.A. Complaints in Colorado -- 20 complaints
- Flagstar Bank, N.A. Complaints in New York -- 19 complaints
- Flagstar Bank, N.A. Complaints in Illinois -- 18 complaints
- Flagstar Bank, N.A. Complaints in Maryland -- 18 complaints
- Flagstar Bank, N.A. Complaints in North Carolina -- 18 complaints
- Flagstar Bank, N.A. Complaints in New Jersey -- 17 complaints
- Flagstar Bank, N.A. Complaints in Arizona -- 16 complaints
- Flagstar Bank, N.A. Complaints in Georgia -- 15 complaints
- Flagstar Bank, N.A. Complaints in Washington -- 15 complaints
- Flagstar Bank, N.A. Complaints in South Carolina -- 10 complaints
- Flagstar Bank, N.A. Complaints in Ohio -- 9 complaints
Flagstar Bank, N.A. Complaints by Product
- Flagstar Bank, N.A. Mortgage Complaints -- 429 complaints | All Mortgage Complaints
- Flagstar Bank, N.A. Credit reporting, credit repair services, or other personal consumer reports Complaints -- 30 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- Flagstar Bank, N.A. Checking or savings account Complaints -- 18 complaints | All Checking or savings account Complaints
- Flagstar Bank, N.A. Debt collection Complaints -- 11 complaints | All Debt collection Complaints
- Flagstar Bank, N.A. Payday loan, title loan, or personal loan Complaints -- 3 complaints | All Payday loan, title loan, or personal loan Complaints
- Flagstar Bank, N.A. Credit card or prepaid card Complaints -- 2 complaints | All Credit card or prepaid card Complaints
- Flagstar Bank, N.A. Money transfer, virtual currency, or money service Complaints -- 2 complaints | All Money transfer, virtual currency, or money service Complaints
Flagstar Bank, N.A. Complaints by Issue
- Flagstar Bank, N.A. -- Trouble during payment process -- 216 complaints | All Trouble during payment process Complaints
- Flagstar Bank, N.A. -- Struggling to pay mortgage -- 137 complaints | All Struggling to pay mortgage Complaints
- Flagstar Bank, N.A. -- Applying for a mortgage or refinancing an existing mortgage -- 49 complaints | All Applying for a mortgage or refinancing an existing mortgage Complaints
- Flagstar Bank, N.A. -- Incorrect information on your report -- 18 complaints | All Incorrect information on your report Complaints
- Flagstar Bank, N.A. -- Closing on a mortgage -- 18 complaints | All Closing on a mortgage Complaints
- Flagstar Bank, N.A. -- Problem with a credit reporting company's investigation into an existing problem -- 12 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
- Flagstar Bank, N.A. -- Managing an account -- 10 complaints | All Managing an account Complaints
- Flagstar Bank, N.A. -- Improper use of your report -- 4 complaints | All Improper use of your report Complaints
- Flagstar Bank, N.A. -- Closing an account -- 4 complaints | All Closing an account Complaints
- Flagstar Bank, N.A. -- Attempts to collect debt not owed -- 4 complaints | All Attempts to collect debt not owed Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Flagstar Bank, N.A. is generated by ReadTheComplaint using AI analysis of data from the CFPB.