Flagstar Bank, N.A. Consumer Complaints
Flagstar Bank, N.A. has received 4,209 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 4,209 total complaints on file with the CFPB.
- Most complaints are about Mortgage (3,758).
- Timely response rate: 100.0%.
- Consumer disputed rate: 22.5% of resolved complaints.
Complaints by Product
The following table shows how complaints against Flagstar Bank, N.A. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Mortgage | 3,758 | 89.3% |
| Checking or savings account | 136 | 3.2% |
| Credit reporting, credit repair services, or other personal consumer reports | 130 | 3.1% |
| Bank account or service | 83 | 2.0% |
| Debt collection | 56 | 1.3% |
| Payday loan, title loan, or personal loan | 14 | 0.3% |
| Money transfer, virtual currency, or money service | 10 | 0.2% |
| Credit card or prepaid card | 7 | 0.2% |
| Credit reporting | 7 | 0.2% |
| Vehicle loan or lease | 4 | 0.1% |
| Consumer Loan | 3 | 0.1% |
| Credit card | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Flagstar Bank, N.A..
Company Response Breakdown
When consumers file complaints, Flagstar Bank, N.A. responds in one of several ways. The breakdown below shows how Flagstar Bank, N.A. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 3,970 | 94.3% |
| Closed without relief | 114 | 2.7% |
| Closed with monetary relief | 55 | 1.3% |
| Closed with non-monetary relief | 38 | 0.9% |
| Closed with relief | 29 | 0.7% |
| Closed | 3 | 0.1% |
Complaints by State
Top states where consumers have filed complaints against Flagstar Bank, N.A..
| State | Complaints |
|---|---|
| California | 557 |
| Florida | 451 |
| Michigan | 424 |
| Texas | 297 |
| Georgia | 184 |
| New York | 145 |
| Maryland | 143 |
| North Carolina | 135 |
| Washington | 125 |
| Illinois | 120 |
| Colorado | 114 |
| New Jersey | 114 |
| Virginia | 97 |
| Pennsylvania | 96 |
| Arizona | 94 |
| Ohio | 91 |
| Massachusetts | 70 |
| Missouri | 66 |
| Wisconsin | 65 |
| Indiana | 61 |
Your Rights
What to do if you have a complaint against Flagstar Bank, N.A.
- Contact Flagstar Bank, N.A. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does Flagstar Bank, N.A. have?
Flagstar Bank, N.A. has 4,209 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Flagstar Bank, N.A.?
The most common issue reported is Trouble during payment process with 1,128 complaints.
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How do I file a complaint against Flagstar Bank, N.A.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Flagstar Bank, N.A. respond to complaints on time?
Flagstar Bank, N.A. has a 100.0% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.