2026 data Public-data reference Official source

Flagstar Bank, N.A.

4.2K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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4.2K
Total Complaints
100%
Timely Response
0%
Disputed
5.6%
Relief Provided
56
States Active
2011
Since

Data updated June 2026

Timely response rate 100.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 5.6%
Industry median

Share closed with monetary or non-monetary relief.

Flagstar Bank, N.A. complaint mix by product

Total complaints: 4.2K

Flagstar Bank, N.A. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 4.2K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Mortgage: 3,757 complaints (89.8%), resolution 5.7% Mortgage 89.8% Checking or: 136 complaints (3.2%), resolution 1.5% Credit reporting,: 130 complaints (3.1%), resolution 0.0% Bank account: 83 complaints (2.0%), resolution 18.1% Debt collection: 56 complaints (1.3%), resolution 3.6% Payday loan,: 14 complaints (0.3%), resolution 0.0% Money transfer,: 10 complaints (0.2%), resolution 0.0%
  • Mortgage 4K 89.8% – 6% relief
  • Checking or 136 3.2% – 2% relief
  • Credit reporting, 130 3.1% – 0% relief
  • Bank account 83 2.0% – 18% relief
  • Debt collection 56 1.3% – 4% relief
  • Payday loan, 14 0.3% – 0% relief
  • Money transfer, 10 0.2% – 0% relief

How Flagstar Bank, N.A.'s 4.2K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Mortgage 3.8K
Checking or savings account 136
Credit reporting, credit repair services, or other personal consumer reports 130
Bank account or service 83
Debt collection 56
Payday loan, title loan, or personal loan 14
Money transfer, virtual currency, or money service 10
Credit reporting 7
Credit card or prepaid card 7
Vehicle loan or lease 4
Consumer Loan 3
Credit card 1

Top States

State Complaints
CA 557
FL 451
MI 424
TX 298
GA 184
NY 146
MD 143
NC 135
WA 125
IL 121
CO 114
NJ 114
VA 97
PA 96
AZ 94
OH 91
MA 70
MO 66
WI 65
IN 61

Top Issues

Issue Complaints
Trouble during payment process 1.1K
Loan modification,collection,foreclosure 1.0K
Loan servicing, payments, escrow account 549
Struggling to pay mortgage 512
Applying for a mortgage or refinancing an existing mortgage 177
Closing on a mortgage 106
Incorrect information on your report 104
Application, originator, mortgage broker 87
Managing an account 86
Settlement process and costs 59
Problem with a credit reporting company's investigation into an existing problem 49
Account opening, closing, or management 33
Credit decision / Underwriting 31
Other 25
Closing an account 25
Deposits and withdrawals 21
Attempts to collect debt not owed 15
Problems caused by my funds being low 14
Improper use of your report 14
Written notification about debt 13

Yearly Trend

Year Complaints Timely
2011 14 100%
2012 469 100%
2013 414 100%
2014 406 100%
2015 327 100%
2016 216 100%
2017 162 100%
2018 239 100%
2019 417 100%
2020 439 100%
2021 550 100%
2022 555 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Flagstar Bank, N.A.

Flagstar Bank, N.A.'s 4,208 logged complaints reach a nationwide footprint - 56 states have at least one filing on record. Only 31.2% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2011 through 2022-12-15.

Flagstar Bank, N.A. answers 100% of complaints inside the CFPB's tracked window and closes 94.3% with a written explanation. 5.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Trouble during payment process."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Flagstar Bank, N.A..

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does Flagstar Bank, N.A. have?

4,208, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Flagstar Bank, N.A. respond to complaints on time?

100% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Flagstar Bank, N.A.?

"Trouble during payment process", filed under the "Mortgage" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.