CFPB Consumer Complaint Profile
Flagstar Bank, National Association
What 500 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 500
- Total complaints
- Above average
- 0
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 36
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Flagstar Bank, National Association sits at #510, with 500 complaints logged. Its on-time response rate is 99.8%, the 79th percentile among companies with 100+ complaints.
- #510
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Mortgage
- most-complained product
- 36
- 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, National Association vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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 | 3 |
| 2012 | 105 |
| 2013 | 94 |
| 2014 | 52 |
| 2015 | 73 |
| 2016 | 67 |
| 2017 | 55 |
| 2018 | 29 |
| 2019 | 22 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Flagstar Bank, National Association
The CFPB Consumer Complaint Database has logged 500 complaints against Flagstar Bank, National Association overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 36 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Inside that category, "Account opening, closing, or management" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Flagstar Bank, National Association draw a 99.8% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 16.1% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 9% closed with some form of monetary or non-monetary relief to the consumer.
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, National Association have?
Flagstar Bank, National Association has 500 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Flagstar Bank, National Association respond to complaints on time?
CFPB complaints against Flagstar Bank, National Association draw a 99.8% 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, National Association?
"Mortgage" draws more CFPB complaints against Flagstar Bank, National Association than any other product - see the full breakdown above.
What is the most common complaint issue with Flagstar Bank, National Association?
Consumers most often cite "Account opening, closing, or management" when complaining about Flagstar Bank, National Association; the full issue list with counts is above.
How do I file a complaint against Flagstar Bank, National Association?
You can file a complaint against Flagstar Bank, National Association 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, National Association?
The CFPB has recorded complaints against Flagstar Bank, National Association from 36 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Flagstar Bank, National Association: 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 dispute rates
Nearest companies by share of complaints marked disputed (16.1% 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.