CFPB · Faster timely-response band

Flagstar Bank, N.A.

4.2K CFPB complaints · 100% timely (fast band) · top issue Trouble during payment process.

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4.2K CFPB complaints

Flagstar Bank, N.A. answers 100% on time (upper third) across 4.2K filings. Relief 5.6% · top product Mortgage. Allegations, not findings.

  • Volume rank #128 of 342
  • Faster timely-response band
  • +3864.3% filings 2011 to 2022

CFPB relief outcome brief

CCDB company flagstar-bank-n-a

5.6% relief · 100% timely · 4.2K filings · Mortgage

Same-product relief peers

Nearest relief peer: Nationwide Advantage Mortgage Company (5.6% relief)

Flagstar Bank, N.A. (this)5.6%Santander Bank, National Ass…8%Commonwealth Financial Syste…0.1%First National Bank of Omaha21.6%Ability Recovery Services, L…0.5%
Closed-with-relief % among Flagstar Bank, N.A. and nearest filing-volume peers

Flagstar Bank, N.A. closes 5.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

How 4.2K complaints split on narrative text

CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.

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Timely response rate 100.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 5.6%
Industry median (≥10 complaints)

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

Nationwide filing states for Flagstar Bank, N.A.

Top states by attributed CFPB complaint volume for this company

Nationwide footprint
Leading state
CA
13.2% of this company's filings
CA557FL451MI424TX298GA184NY146MD143NC135

Flagstar Bank, N.A. rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2022
555
+3864.3% vs 2011
0200400600 201120122013201420152016201720182019202020212022 555

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

Flagstar Bank, N.A. in the faster-timely third

Flagstar Bank, N.A.'s 4,208 logged complaints reach a nationwide footprint - 56 states have at least one filing. Only 31.2% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2011 through 2022-12-15. Timely response 100% sits in the upper third of the corpus.

Flagstar Bank, N.A. answers 100% of complaints inside the CFPB's tracked window (timely band: fast) and closes 5.6% with relief; 94.3% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Mortgage" · top issue "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..

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Flagstar Bank, N.A.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest companies by total CFPB complaints. This record: 4.2K.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 100%.

4 peers

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.

Data sourced from official public datasets for Flagstar Bank, N.A. (#128 of 342; 100% timely; 5.6% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band