Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4846214
Complaint Overview
Complaint ID: 4846214
Company: Flagstar Bank, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 342XX
Date Received: 2021-10-26T12:00:00-05:00
Date Sent to Company: 2021-10-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is Flagstar Bank. Flagstar Bank has now reported me late payment twice now for XXXX and XXXX. I have made every payment on time. My problem is in XXXX, my boat has been up for sale and actually sold today, however the XXXX payment went through the cracks because my wife had major XXXX for her XXXX that she had and also I did not think I had to make the payment as my boat was up for sale and the loan would be made whole. I did make the XXXX payment on XX/XX/XXXX and made the XXXX payment on the XXXX. I apologize for making the XXXX payment late however I have a lot going on and my boat was up for sale as well but I did make the payment. I reached out and made a dispute with XXXX XXXX in which was denied by Flagstar. I called Flagstar and spoke with a supervisor who was very rude and was not able to assist me, I asked to speak to someone above him in which he said there was no one else I could speak to and said Im here all day and hung up on me. I would like to file a complaint against Flagstar Bank as they have negatively affected my credit score. I am asking that because I have made all my payments on time throughout the course of having my boat I ask for this to be resolved with my credit score and the late payments to be taking off my credit. My credit is very important to me and I have shown to have excellent payment history. Also Flagstar will also be made whole in their loan as my boat has just sold today. I would like to speak to someone about this further ( XXXX ) XXXX. I would like this resolved ASAP. Thank you.
Frequently Asked Questions
What is Complaint #4846214 about?
Complaint #4846214 was filed against Flagstar Bank, N.A. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-10-26T12:00:00-05:00.
How did Flagstar Bank, N.A. 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Flagstar Bank, N.A.?
Yes, visit the Flagstar Bank, N.A. company profile at readthecomplaint.com/company/flagstar-bank-n-a 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.