Mortgage -- Trouble during payment process -- Complaint #6217627
Complaint Overview
Complaint ID: 6217627
Company: Flagstar Bank, N.A.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Florida
ZIP Code: 33404
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am approved for the HAF. Flagstar told me months ago when i was approved to email my award letter to them at an address they provided and I would NOT be assessed any late fees during the next 18 months of the program. Now, for the first time, Flagstar has NOT applied my payment to my account in time, it has gone past the grace period, and I WAS charged a late fee, contradicting what they told me would happen. Everyone i speak to about it on the phone is clueless and just passes the buck to another dept. who can't or won't help me rectify the issue.
Frequently Asked Questions
What is Complaint #6217627 about?
Complaint #6217627 was filed against Flagstar Bank, N.A. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-11-17T12:00:00-05:00.
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.