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2.6 110 Reviews

Flagstar Bank Complaints Summary

43 Resolved
67 Unresolved
Our verdict: Engaging with Flagstar Bank, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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Flagstar Bank reviews & complaints 110

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7:08 pm EDT
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Flagstar Bank Escrow check

We recently sold our home with January and closed our escrow account with Flagstar. After many issues, we were finally sent a check. A few weeks ago, we received another check close to $700. We called to see what this 'miscellaneous escrow' check was and they stated it was valid and to go ahead and cash it which we did. Today we received a call stating this check was sent to us in error and we need to pay it back. My husband, being the kind person he is, paid it back even though we have already spent that money and now my family will have to suffer, going without basic necessities for the next couple weeks, because of Flagstar's mistakes. Amid a pandemic, this type of error is unacceptable. We are very distraught with how things have been handled and will not recommend this bank to anyone, in fact, I will go out of my way to make sure they know how awful this company handles 'business errors.' No apology, no remorse, just give me money. I will be pursuing this further in hopes to aid other people fair warning.

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2:42 pm EST
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Flagstar Bank Closed escrow account

We recently had service through Flagstar Bank as an escrow company. When our home sold, we were to be issued a check from escrow. It has been over 6 weeks, and we have received no check. Throughout these 6 weeks, we have attempted to contact and correct any errors made which has led to confusion and false information. This has been very frustrating and not a very pleasant experience. The agents we have spoken to were abrupt and unapologetic or sympathetic. At the current moment, we would not recommend flagstar as an adequate service.

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9:23 am EST
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Flagstar Bank my loans

Agent working from home and had a dog barking in the back ground. When did bank employees start working from home. How do I know I did not talk to a hacker and giving my ss# was a bit unnerving. Last time I called to get my annual interest and they had it right in front of the agent. This time she had to add it up twice. A little bit non professional not talking to an employee at the bank.

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5:04 pm EST

Flagstar Bank mortgage

My mortgage loan was transferred to Flagstar, LN#[protected] I initiated an automatic payment to be made each month. In November, I refinanced this loan at Chase Bank, and was directed to cancel the automatic payment, which was completed and confirmed via telephone to Flagstar on 11/20/2019. The mortgage payment was ACH debited anyway, without my permission on 12/1/2019. I have been trying to get my funds back since then. I've called twice, and was told they had no idea when I would receive my funds. I have sent 3 emails and have not received a response back from anyone. The lack of response and responsibility over this is completely unacceptable and unprofessional. I do hope you are audited very soon and fined for not doing your due diligence.

Denise Apele

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6:49 pm EDT
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Flagstar Bank teller dawn bone

On Thursday, 9/19/2019 I was in the Flagstar bank branch listed above. I walked in and stopped to wait for my turn at the glass desktop they have at the entrance. There was a male teller busy with a customer and a female teller at the other end having a conversation with a lady who already had her transaction slip in hand. Both ladies stopped talking, turned and looked at me and then carried on their conversation. This is important. I got out my phone and waited a few minutes for their chat to end. Dawn, the lady teller got on the phone at the counter for a few minutes then chatted again with the customer . The lady left and Dawn quickly turned and went behind the counter wall to her desk. She never greeted me or gave any acknowledgement that I was there. So again I waited while she got on the phone again. Five minutes or more has gone bye. Dawn finishes her phone call gets up goes behind counter to drive thru tube and takes the tube out. I yell out, Don't you take the customer who comes in first ? She says yea come to my desk. We do our pleasantries. I give her my license. I say, isn't the customer supposed to be serviced in order, I was first. Dawn says, I DIDNT SEE YOU. What a liar. I told her you looked at me when I walked in. She put the licenses on top of keyboard and made sure I knew the drive thru was taken care of first. The other teller came in and said do you have the drive thru and she said yes it's done then smiled at me. She then completed mine. What a [censored]. Poor attitude, poor customer service, and to outwardly displayfor her actions towards me. I'm sure she was socializing with the lady customer before me and both phone calls were personal. The phone didn't ring while I was in bank.

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11:46 am EDT

Flagstar Bank loan

My husband took a loan through Flagstar bank with the Assistant Branch Manager. Upon doing a quick signing with her, We had asked numerous of times! That will the payment stay at 100 per month as stated in the loan application since we are going through a very hard time. We both made it very clear that the reason he resort to this loan was to help with lower payments and she assured us that the payment will not increased. We opened a bank account through Flagstar as recommend by the assistant manager herself for auto payment, but after the first payment, the loan had gone up tremendously. We had called many times regarding the increased as months went by but no one can give us a explanation of why it went from a few cent over $100 to almost 300 in less than 4 months. the dates that was automatically taken out is never the same as result in late fees most of the time even if we have enough in the account to make the payment. The bank site itself was no help as to where to find how much are the payments. My husband went in and talked to the Assistant Manager and she then, stated that there was fees and the 100 payment was only a promotion that we had at the time of signing and the 100 monthly payment was due to increase after the promotion was done. Which was never once mentioned at the signing. I am truly disappointed that we went in with high hopes of finally getting help only to make the matter worse by having more issues and was lied to.

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9:27 pm EDT

Flagstar Bank mortgage loss claims

This company is horrible and incompetent at best. I filed a claim in april 2019 with my insurance company which totaled my roof and issued payment in May. Flagstar has lost the first check I mailed to them despite tracking showing it was delivered and who it was signed for by. 3 weeks of daily calls, I'm finally told that they will stop payment on the check. I told the agent they can't stop payment on a check they didn't issue but she insisted that they could (second sign of incompetence). So I call back the next day to be told oh I don't know why you were told that and they other agent didn't follow up with her manager as she had stated. I had to call the adjuster to get a stop payment and a new check issued. 2 weeks later I sent the new check and after an additional 2 weeks, they are saying they don't have it. They claim they have a back lot of checks and that it's taking longer to process but they can not tell me if the check is even in the system. So I'm stuck not knowing where the second check is while risking further damage to MY HOME with a leaky roof and windows.

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1:36 pm EDT

Flagstar Bank mortgage

My mortgage was bought by flagstar bank and I wasn't notified cuz I was out of state. Now they want to charge me to make a payment. I didn't sign a contract with flagstar. And will not be giving my personal bank info cuz this bank is owned by a company out of China. I will not fund a country that steals from the US. and I will not be charged for this company not notifying me with in a timely manor

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12:12 pm EDT

Flagstar Bank customer service

I have called time and time again trying to figure out issue I have with my account. I get told one thing by one manager and then told I was given incorrect information. Your employees don't know anything about the bank they are running, not even the managers. I was with Wells Fargo for over 10 years with no issue. Now I have to deal with Flagstar, which is a worthless bank who tells there customers false information and makes them runaround just to get something completed with their own personal accounts. Me along with the rest of my family will be leave this bank as there is no reason to stay and continue to deal with the terrible customer service we receive every time we try to deal with an issue. The manager at this particular bank is at fault for telling me I could take someone off my account one way on Friday and then tell me Saturday morning she was wrong and I was misinformed. This was just the last stray for me and my family.

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3:26 pm EDT
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Flagstar Bank physician mortgage loan bias & discrepancy

Hello! I was searching for a physician loan in Texas that allowed APPs (Advanced Practice Providers) to apply as well. APPs include Physician Assistants and Nurse Practitioners, we are commonly misidentified as mid levels which a term that does that properly identify us in any way. I called and spoke to a pleasant woman, I advised I was a Physician Assistant inquiring about Physician Loan information at Flagstaff. I was advised that Physician Assistants could not apply and if I did, the loan would be denied. I asked if Nurse Practitioners could apply and I was advised they could. I found this is a huge bias and discrimination against Physician Assistants. I'm not sure who and or why this rule is applied at Flagstaff Bank. Physician Assistants and Nurse Practitioners essential are the same with different education, we both have masters degrees and apply for similar positions. Physician Assistants in particular have a more advanced curriculum usually alongside medical school students and our clinical rotation include surgery and psychiatry. I am writing this complaint in the hope that this policy will change and allow Physician Assistants the same opportunities as our counterparts to apply for Physicians Loans withFlagstaff Bank. There is a huge miseducation and bias regarding this policy and I hope this is looked into and changed ASAP.

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5:30 pm EDT

Flagstar Bank wells fargo transition

My mother had a trust acccount out of State (Indiana) with Wells Fargo. After the transition to Flagstar occurred, I was told it was a flawless transition "status quo". My mother is in a Nursing Home in Indiana. Today, April 25, The State of IN sends me notification of a $30.49 penalty for my mothers "bounced" quarterly tax payment. I called two different Flagstaff numbers and was told... the deposits are being accepted, you may write WF checks until the end of the year and (get this) the rounting number for EFTs changed on April 1st! The woman told me that "everyone was informed" and that she was sorry but nothing could be done.

Seriously? Who does business like that?

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9:21 am EST

Flagstar Bank billing and customer service.

My loan no. is [protected]. I called your customer service 8 times. The problem started when my mortgage was moved from Cenlar. I was on a bi-weekly payment with Cenlar and when I called Flagstar, the rep said that that would be carried over. My next draft should be on the friday which I believed was Nov 2, 2018. But Flagstar debited my biweekly payment on Nov 7, Wednesday. When I called Flagstar the first time to clarify if that draft would be now on Wednesdays, the rep said that the next would be Nov 16. So she presumed that the Nov 7 payment would be applied on Nov 16 coz the next she said would be Nov 30. So I was told to put a stop payment on Nov 16 and was not told either that my auto biweekly payment would be cancelled. I then called again and very frustrated so the rep filed a case twice to reinstate it back. Now Dec 6, 2018 I called again, and that rep wants me to do the paperwork. So why should I do an extra work here where in fact everything should have been in place! This is only one month of the transfer of servicing but I am already pissed with how you are treating me as your client! Your reps should know how to assist and help to resolve the issue and not to tell me what to do if it's your fault that my biweekly has been cancelled! I am going to escalate this to BBB because this wasn't fair for me that I kept calling and still the issue is not resolved!

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8:41 am EST

Flagstar Bank wells fargo transition

I've been told my checking/savings is moving to Flagstar Bank on 12/1/18 due to WF selling off branches - in Flagstar's area of Ohio, Michigan, Indiana..only problem. I live in Texas. Account was opened when I lived in California. I have no interest in banking with a bank that tells me my only option for a non-fee ATM is my local Walgreens! So, I called Flagstar to see what can be done to stop this process on my account, since I'll be cancelling it anyway the minute it opens.

Their answer? I need to talk to WF as there is 'nothing' they can do! Umm, , YOU are the ones doing all the work to change m accounts in 2 weeks! I called WF out of s&giggles, and of course, was told there was nothing they could do as Flagstar is doing the transition. If I still lived in Indiana (which the account wasn't opened it), I would close my Flagstar account and go elsewhere just because of the blatant lye I got from their 'service'.. of course, living over 1000 miles from their closest branch now, makes it a much easier decision. I just have to mess with closing/reopening and all that. Thanks for making my day soooo much easier, Flagstar bank!

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10:23 am EDT
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Flagstar Bank mortgage

I received a letter informing me my account was to be accelerated. The resolution took over two weeks to even speak with a person other than a customer service representative (csr). I had been misinformed repeatedly by multiple csr's. Each csr told me a different and varied interpretation of my situation. I was on the boarder line of being in default with a foreclosure pending. All information related to foreclosure was not discussed or acknowledged, even when asked outright. I feel this "delay tactic" is an attempt on flagstar to steal homes. If you are not diligent and listen carefully, they can and will steal you home. Be careful. Be aware. If you feel this is your situation. Just get a lawyer, right away. Do not wait. Flagstar is attempting to steal from you. I am fortunate, I was raised to be suspect of flim flam and a con when one is present. I paid my default and now am looking to refinance with another company. Get out of flagstar. Join the resistance. Get out. With all sincerity, smarter and faster than flagstar.

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9:19 am EDT
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Flagstar Bank discrimination in advertising

I was in the branch office in Coldwater, MI yesterday. I live in the state of Michigan. I choose to be a fan of The Ohio State University Buckeyes. I am very disappointed and disgusted by the bad choice of advertising for the Flagstar Visa card. Having a team logo on your card is nice, but putting down one particular team in your advertising is tacky. This must have been decided in a team room after a 2 martini lunch. I refer to the line on the advertising that states, in BOLD print, "Friends don't let friends bank like a Buckeye". Flagstar boasts customer satisfaction; seems more relevant if you are a Wolverine fan. Flagstar claims it is dedicated to providing the best service; now looks like Michigan fans will be more satisfied. My husband and I have taken great offense, as should all fans of Michigan State, Grand Valley State, Central MI, Western MI, etc. Please know that as soon as I can have my direct deposit redirected I will be closing my accounts and stopping my business at Flagstar Bank.

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12:54 pm EDT
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Flagstar Bank - missconduct / bad business practice

with all the complaints on file this company should not be allowed to write any more loans... I have been making all my mortgage payments on time by auto pay set up from bank to bank, then one day I receive a foreclosure letter. I was shocked never behind my mortgage payments how could this happen, I thought a home owner have to be behind their mortgage...

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2:51 pm EST
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Flagstar Bank fha loan

Flagstar mortgage is a garbage company. I flip homes in Illinois and have done over 40 in the past few years. My properties always appraise, pass all inspections, etc.. I recently was in the process of selling a property to a buyer who was using Flagstar. On 4 separate occasions, closing were scheduled only to be postponed by Flagstar the day before! I had 4 offers on this property within the first week, all with closing within 30-45 days. I made the huge mistake of going with the buyer using Flagstar. This property still has not closed two months later. I am now putting the property back on the market due to Flagstar's incompetence and starting over. All of my other buyers have bought other homes now. Sellers and Buyers beware! Do not use this company to finance your real estate deals!

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11:24 am EDT
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Flagstar Bank insurance money being delt out in 1/3rds

On September 2, 2012 my husband and I lost half of our house due to a plumbing leak. We have followed all the insurance requirements and have notified our lender (Flagstar). Since notifying our lender we have since been informed that Flagstar will take full control of our insurance funds, to be dulled out in increments of 1/3rd with an inspector that we pay for to inspect the jobs after each job is completed and before any other money is released. This is also after we had to have a notary notarized a document from Flagstar that required a supplemental form since the original required form was not legal in the state of California.

My husband and I understand the reasoning behind this policy, however after speaking with Flagstar they are unwilling to allow us a single lump sum with the understanding that their inspectors can come out after the work is done.

I am a disable Veteran and this is a VA Loan. If the weather changes it is going to it will become very difficult for us to live in the house since we have no kitchen and no sub flooring. We understand that we do have the option to stay in a hotel, but we also have three animals that must be boarded if we are not living there. This is an out of pocket expense that is reimbursable, but honestly not an option for us at this time.

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stevie3
Cleveland Heights, US
Oct 30, 2012 2:13 pm EDT

Your best bet is to call your states Attorney Generals office who if one is in existence in your state can give you information on who to contact in the office which governs insurance companies. They are the only ones I know wo might have a remedy to this siituation. Generally, you can file online. Give them a call, they usually get things moving pertty quickly. Good Luck

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Flagstar Bank - loan modification

My husbank suffered a heartattack the end of Jan. 2011 he was unable to work due to complications to bypass surgery. He had great credit, but we got behind 8mnths on mortgage they said we qualified for loan modification so we went thru there process and we got approved this is what they told us to sign papers and that we qualified for our new payment i...

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Flagstar Bank refused short sale offer even though was the fair market value & instead bought our house in bergen county, nj for $100.00

After almost 2 yrs. trying to do a short sale with Flagstar because our mortgage was under water (fair market value less than what was owned) & with Flagstar constantly losing paperwork, hundreds of resending & turned down for a loan modification Flagstar was unwilling to accept a cash offer for what they determined to be the fair market value. Instead, Flagstar bought our house for $100.00 at the foreclosure auction & turned down the $309, 000 cash offer. The investor was willing to buy the house in the "as is" condition because it was literally falling apart (which Flagstar was aware of the poor condition with all the numerous hardship letters that they requested & received, including the poor health of the owner-cancer, brain tumor, etc.) I do not understand how Flagstar can get away with these tactics. I believe Flagstar wants people to foreclose in order for them to get the full loan through HUD. Why does a government organization like HUD let this Bank take advantage of a government organization. Is this common for a government organization to be blindsided by banks such as Flagstar? Is this the way HUD gets their housing-from honest hardworking people who face unexpected hardship such as illness & loss of a job? Then they sell these REO properties to real estate & meanwhile people are thrown out of their homes with their credit destroyed. A short sale has less of a negative impact than a foreclosure. I filed a complaint with the CFPB, although it is probably too late for them to help.

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Update by Grabma 2
Jul 24, 2012 7:21 am EDT

I lived in Bergen county, NJ. So I used a lawyer who I knew & was strictly a real estate lawyer. Dealing with Flagstar is a nightmare. And despite using a lawyer I still lost in the end.

Update by Grabma 2
Jul 23, 2012 7:23 pm EDT

Yes, we used an attorney throughout this process to end up with a foreclosure after all. Flagstar jerked them around also by constantly losing paperwork, etc.

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Janet Fairley
Wiggins, US
Jul 23, 2012 9:54 pm EDT
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I am currently seeking an attorney to represent me. They have increased my payments because of an escrow deficit that I have paid. I also would like to know if they can legally charge $165.32 for a late fee.

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Janet Fairley
Wiggins, US
Jul 23, 2012 6:13 pm EDT
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Have you consulted with an attorney?

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