Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #5353246
Complaint Overview
Complaint ID: 5353246
Company: Flagstar Bank, N.A.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
State: Connecticut
ZIP Code: 064XX
Date Received: 2022-03-22T12:00:00-05:00
Date Sent to Company: 2022-03-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/22, I was not home and my husband called to explore interest rates. Flagstar ran a hard inquiry on my credit without my consent and completed a loan application with erroneous information since I was not there to provide the correct information. I was not at home to be aware of the conversation and/or agree to proceeding. XXXX XXXX at Flagstar took the call from my husband. I was aware the call was made but was under the impression all conversations and actions were " soft '' - this is while we were waiting to receive documents that we would review to determine next steps, or so I thought. On XX/XX/22, My husband and I looked through mailed documents from Flagstar ( loan application ), which is when I found information had been guessed in order to push the refinance through. A few days later on XX/XX/22, I found my credit score had gone down and that time, I saw that a hard inquiry had been run against my credit, which is when I realized steps needing my consent were taken without my consent. On XX/XX/22 I submitted a complaint to Flagstar in regards to the concerns that were found. As of today, XX/XX/22, has reached out to me to address the concern, only XXXX XXXX has called me, who is the mortgage processor, and she doesn't have any authority to address the concerns. On XX/XX/22 XXXX, Flagstar, emailed me a copy of the loan document ( which contains SSN and birthdates, etc. ) to my personal XXXX account, which is not encrypted. There was no link to a secure site, just a direct pdf attachment so our personal identifying information such as DOB and SSNs have been compromised.
Frequently Asked Questions
What is Complaint #5353246 about?
Complaint #5353246 was filed against Flagstar Bank, N.A. regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2022-03-22T12:00:00-05:00.
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 (Mortgage) 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.