Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16969028
Complaint Overview
Complaint ID: 16969028
Company: New York Community Bancorp INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 93263
Date Received: 2025-11-01T12:00:00-05:00
Date Sent to Company: 2025-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon reviewing my credit report, I noticed multiple late payment notations reported by XXXX or more creditors. These reported delinquencies are negatively affecting my credit profile and do not accurately reflect my true payment history or account standing. I am requesting that you conduct a full review of my file to ensure all reported late payments meet the standards of accuracy, completeness, and verifiability required by federal law. Specifically, I am disputing all late payment entries that appear to be erroneous, unjustly reported. In XXXX of XXXX my mortgage account was reported delinquent and after numerous calls and going to the extent of sitting down and going over every payment on my bank statements Flagstar Bank would not remove this late payment from my account. I provided a statement and copies of my bank statements as proof of payment Flagstar Bank did not remove this inaccurate reporting.
Frequently Asked Questions
What is Complaint #16969028 about?
Complaint #16969028 was filed against New York Community Bancorp INC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-01T12:00:00-05:00.
How did New York Community Bancorp INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against New York Community Bancorp INC?
Yes, visit the New York Community Bancorp INC company profile at readthecomplaint.com/company/new-york-community-bancorp-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.