Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5170234
Complaint Overview
Complaint ID: 5170234
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: Investigation took more than 30 days
State: California
ZIP Code: 92127
Date Received: 2022-01-31T12:00:00-05:00
Date Sent to Company: 2022-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have my Home mortgage with Flagstar Bank which has been paid automatically via my personal account ( XXXX XXXX ). This was arranged through the Flagstar bank 's website. Back in XX/XX/2021, XXXX was bought out by another Bank, XXXX. Unfortunately, for month of XXXX, the amount was not drafted automatically by Flagstar bank since my personal account now was changed to XXXX XXXX. I have been very busy as a physician working in the hospital and treating XXXX infected patients almost every day over the last XXXX years where I contracted the virus and suffered very severely. I had peace of mind that the loan is on Auto-pay and there must not be any issues with the monthly payments. Apparently, Flagstar Bank has a WRONG CONTACT NUMBER on my file. They claimed that I have been contacted via that WRONG NUMBER and a message was left for me. The bank admitted that the phone number was wrong after all. Accordingly, after the payment was delayed for more than XXXX days, I was reported to CREDIT BUREAU! Unfortunately, I noticed their malicious action when I was informed about my dropped XXXX XXXX. Instantly I called Flagstar Bank while I was in the hospital, I informed them about the error and the balance was paid instantly over the phone. I was informed that I have to file a complaint to their " Credit Report Department '' to dispute the report, which did. After multiple attempts, based on their own response, without even mentioning any words about the " XXXX Cause of the Error '', they responded as, '' payment was delayed and report was appropriate ''. I am just shocked and surprised how insensitive, irresponsible and apathic a financial institute can be??!! I reported Flagstar Bank to XXXX and CFPB an I strongly believe the bank 's action is inappropriate and unnecessary. I hope their Credit Report Department review the case properly, before I dispute their unjust action through a legal complaint.
Frequently Asked Questions
What is Complaint #5170234 about?
Complaint #5170234 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 2022-01-31T12:00:00-05:00.
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.