CFPB · Faster timely-response band
Flagstar Bank, N.A.
4.2K CFPB complaints · 100% timely (fast band) · top issue Trouble during payment process.
Flagstar Bank, N.A. answers 100% on time (upper third) across 4.2K filings. Relief 5.6% · top product Mortgage. Allegations, not findings.
- 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. closes 5.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Flagstar Bank, N.A. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (26/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
26 / 100 percentile-benchmarked
5.6% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
90 / 100 percentile-benchmarked
94.3% of complaints closed with an explanation to the consumer
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.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Flagstar Bank, N.A. complaint mix by product
- 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
- Leading state
- CA
- 13.2% of this company's filings
Flagstar Bank, N.A. rising annual filings
Annual filing volume from the CFPB public database
- 2022
- 555
- +3864.3% vs 2011
Volume vs. relief
Where Flagstar Bank, N.A. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Flagstar Bank, N.A. files more complaint volume than 63% of them, and closes complaints with relief more often than 58% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 4,208 · Closed with relief: 5.6%
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.
- Santander Bank, National Association Δ 66 complaints · 8% relief 4.3Kcomplaints
- Commonwealth Financial Systems, Inc. Δ 73 complaints · 0.1% relief 4.1Kcomplaints
- First National Bank of Omaha Δ 96 complaints · 21.6% relief 4.1Kcomplaints
- Ability Recovery Services, LLC Δ 118 complaints · 0.5% relief 4.1Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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