CFPB · Mid-pack CFPB posture
Flagstar Bank, National Association
499 CFPB complaints · 36 states · top issue Account opening, closing, or management.
Flagstar Bank, National Association has 499 consumer complaints in the CFPB public database. Timely response is 99.8%; 8.8% closed with relief; top product Mortgage. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +633.3% filings 2011 to 2019
CFPB relief outcome brief
CCDB company flagstar-bank-national-association
8.8% relief · 99.8% timely · 499 filings · Mortgage
Same-product relief peers
Nearest relief peer: State Bankshares, Inc. (8.9% relief)
Flagstar Bank, National Association closes 8.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 499 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, National Association complaint mix by product
- Mortgage 246 49.6% – 7% relief
- Bank account 177 35.7% – 14% relief
- Checking or 55 11.1% – 0% relief
- Debt collection 6 1.2% – 0% relief
- Credit reporting, 5 1.0% – 0% relief
- Consumer Loan 4 0.8% – 25% relief
- Credit card 3 0.6% – 0% relief
How Flagstar Bank, National Association's 499 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 246 |
| Bank account or service | 177 |
| Checking or savings account | 55 |
| Debt collection | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Consumer Loan | 4 |
| Credit card | 3 |
| Credit reporting | 1 |
| Prepaid card | 1 |
| Credit card or prepaid card | 1 |
Where Flagstar Bank, National Association complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 20.8% of this company's filings
Flagstar Bank, National Association rising annual filings
Annual filing volume from the CFPB public database
- 2019
- 22
- +633.3% vs 2011
Top States
| State | Complaints |
|---|---|
| NY | 104 |
| FL | 67 |
| OH | 59 |
| CA | 46 |
| NJ | 31 |
| AZ | 28 |
| TX | 21 |
| NC | 12 |
| IL | 12 |
| MI | 10 |
| MD | 9 |
| MA | 9 |
| PA | 8 |
| GA | 8 |
| NV | 6 |
| VA | 6 |
| SC | 6 |
| CO | 6 |
| DC | 6 |
| MN | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Account opening, closing, or management | 116 |
| Loan servicing, payments, escrow account | 105 |
| Loan modification,collection,foreclosure | 76 |
| Managing an account | 36 |
| Deposits and withdrawals | 35 |
| Application, originator, mortgage broker | 19 |
| Trouble during payment process | 17 |
| Making/receiving payments, sending money | 14 |
| Closing an account | 12 |
| Settlement process and costs | 11 |
| Problems caused by my funds being low | 7 |
| Credit decision / Underwriting | 7 |
| Using a debit or ATM card | 5 |
| Incorrect information on your report | 5 |
| Struggling to pay mortgage | 5 |
| Opening an account | 4 |
| Managing the loan or lease | 3 |
| Other | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Closing on a mortgage | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 3 | 100% |
| 2012 | 104 | 100% |
| 2013 | 94 | 100% |
| 2014 | 52 | 100% |
| 2015 | 73 | 98.6% |
| 2016 | 67 | 100% |
| 2017 | 55 | 100% |
| 2018 | 29 | 100% |
| 2019 | 22 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Flagstar Bank, National Association
Flagstar Bank, National Association's 499 logged complaints stay concentrated: only 36 states show a filing. Only 15.8% 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 2019-11-27.
Flagstar Bank, National Association answers 99.8% of complaints inside the CFPB's tracked window and closes 91% with a written explanation. 8.8% 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 "Account opening, closing, or management."
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, National Association.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Flagstar Bank, National Association: 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: 499.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
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, National Association (99.8% timely; 8.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture