Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5278661
Complaint Overview
Complaint ID: 5278661
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: Florida
ZIP Code: 33180
Date Received: 2022-03-02T12:00:00-05:00
Date Sent to Company: 2022-03-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Issue with Flagstar Bank / HELOC Account. Regarding alleged late payment from back in XXXX of 2018. I have never missed a payment or been late with this loan. I even provided copies of my bank statements proving that the payment was made on time to Flagstar Bank however, they continue to report the account as being one month as late in XX/XX/2018. Please feel free to review my full credit history as I have never been late or missed any payments with any of my accounts.
Frequently Asked Questions
What is Complaint #5278661 about?
Complaint #5278661 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 2022-03-02T12:00:00-05:00.
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.