Mortgage -- Trouble during payment process -- Complaint #6194852
Complaint Overview
Complaint ID: 6194852
Company: Flagstar Bank, N.A.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Texas
ZIP Code: 78634
Date Received: 2022-11-11T12:00:00-05:00
Date Sent to Company: 2022-11-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been XXXX charged for insurance from my mortgage company Flagstar Bank since XX/XX/XXXX, they have sent payments to the wrong company twice, and only have had XXXX of the payments refunded, I have done all of the work for them to figure out how to get this refunded and have spent days on the phone speaking with dozens of employees and managers at Flagstar Bank and it has been over a month since we started trying to fix their mistake and they are not returning my calls, they keep filing tickets to other departments that have gone no where, Flagstar Bank managers have told me that I, they, their bosses, their bosses bosses, and no one can talk to that department to get this done even though we have verified they have messed up multiple times. They have submitted multiple tickets and have yet to fix this since I pointed out their initial mistake to them on XX/XX/XXXX, and I have been told once again, well call you back dont worry. They have missed every deadline where they said they would call me back, apparently the issue has been forwarded to a manager that is ooo for the foreseeable future and it is just getting worse with taxes due next month and escrow analysis the following month. Which I have been told the escrow analysis will happen in XXXX by one manager and that was wrong, it is in XXXX by a another manager. I have no idea what is going on and why I cant get any help, but I am wondering if this needs legal action at this point or if laws or regulations are being broken. Please if you can provide any help, I would appreciate it as I am struggling to find the time needed to solve this when everyone at Flagstar Bank are refusing to help
Frequently Asked Questions
What is Complaint #6194852 about?
Complaint #6194852 was filed against Flagstar Bank, N.A. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-11-11T12:00:00-05:00.
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.