CFPB Consumer Complaint Profile
Flagstar Bank, N.A.
4,209 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 4,209
- Total complaints
- Among the highest
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 56
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Flagstar Bank, N.A. has accumulated 4,209 complaints, placing it #118 by volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #118
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 56
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Flagstar Bank, N.A. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 14 |
| 2012 | 470 |
| 2013 | 414 |
| 2014 | 406 |
| 2015 | 327 |
| 2016 | 216 |
| 2017 | 162 |
| 2018 | 239 |
| 2019 | 417 |
| 2020 | 439 |
| 2021 | 550 |
| 2022 | 555 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Flagstar Bank, N.A.
4,209 complaints against Flagstar Bank, N.A. appear in the CFPB record, including 0 from the trailing year. The 56 states and territories represented put this footprint in nationwide territory. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Trouble during payment process" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Flagstar Bank, N.A. posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 22.5% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 5.6%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Flagstar Bank, N.A. have?
4,209 complaints have been filed against Flagstar Bank, N.A. with the CFPB overall - 0 of them in the past year.
Does Flagstar Bank, N.A. respond to complaints on time?
CFPB complaints against Flagstar Bank, N.A. draw a 100% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Flagstar Bank, N.A.?
"Mortgage" draws more CFPB complaints against Flagstar Bank, N.A. than any other product - see the full breakdown above.
What is the most common complaint issue with Flagstar Bank, N.A.?
"Trouble during payment process" is the single most frequently cited issue in complaints against Flagstar Bank, N.A. - see all issues and counts above.
How do I file a complaint against Flagstar Bank, N.A.?
You can file a complaint against Flagstar Bank, N.A. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Flagstar Bank, N.A.?
Consumers in 56 states and territories have filed complaints about Flagstar Bank, N.A. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Flagstar Bank, N.A.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (4,209 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (22.5% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.