Flagstar Bank Avaliações 

I am a customer with them and have been for several years. I always make my payments on time. Recently, I accidentally double paid my mortgage. I asked that the second payment be refunded. I have been given the run around for refund the extra payment. The keep emailing me and asking for proof documents to include a print of their payment system, my back records, evidence I have a positive balance, ect... They just keep asking for more documents to delay the refund. When I call no one from the refund office will take my call. This place is a joke. Customer service is terrible. Their refund policy is terrible.

Flagstar is dishonest. Do not use. Do not do a recast of mortgage with Flagstar, they drag their feet and soak you for as much interest as possible before doing recast. Secondly, they make excuses and will not drop your PMI. Everything to do with them is painful.

Flagstar Bank raised my mortgage twice in one month and said it was for the raise in my homeowners insurance my homeowner insurance was only raised under $400 but yet they raised my mortgage $121 a month on $400 as soon as I can get rid of that mortgage I'm getting away from they won't help you they lie I talked to three different people none of them cared what I had to say don't trust flagstar Bank

When we met the threshold for taking our PMI off, Flagstar refused. Extremely dishonest company. I would never recommend them. They just do not have ethics.

Everyone else has already said it so well, in a nutshell: this is an absolute joke of a mortgage holding company. Want a tangible example? In the year 2023 A.D., they don't have a functional app. And the browser platform gives all kinds of (inaccurate) error messages, setting up auto-pay is a nightmare, they call you over and over without saying why. Truly difficult to imagine there could be any options worse than them. Like so many others, I had no choice in the matter. C'mon, Flagstar, get your SH&T together!

What an absolute joke of a company. The fact that they are allowed to handle other peoples mortgages is just scary. Avoid this place at all cost… BEWARE!!!

Awful bank. They want you to be in debt. Had a HELOC with them which I’ve cancelled. You can only fund the account $2,000 per day and $5,000 per month. So, I changed my pay from acct to an external account. Changed auto pay from $27k (May payment) to $150 (June payment), just to pay the loan off. They took out $27k + $150 which caused overdraft fees at both banks. Their fault, no refund. Made excuses and blamed me. Scumbags.

Worst bank! I discovered that my deposits are not being added to my balance. Just found over $800 not added to my balance. As of last Fridays balance, plus added deposits, minus deductions, there is over $800 missing. I’m closing my account asap!!

Unfortunately my mortgage was sold to Flagstar Bank.
They SUCK!! They increased my mortgage $125 without my approval!
My insurance company sent multiple letters to them because they said I didn't have enought coverage. I DO!
DON'T use this bank company if you can help it. I had no choice!!!
THEY ARE AWFUL!!!!

I’ve had this mortgage company since 2009 and I must say if you can avoid getting a mortgage through them please do! As of January they are claiming that they’ve never received my payments. When I go to the government CPFB and give them the receipt as proof all of a sudden they find them and blame it on a mix up as to where I should be sending it in the meantime my credit score is impacted! PLEASE DO YOURSELF A FAVOR AND GO SOMEWHERE ELSE!

We bought a house and used them for our loan. After a few months they told us they were taking too much out for taxes and lowered our payment. 18 months later they inform us they made another mistake and did not take out enough for taxes and we owe $6,000 in back taxes. These people failed miserably at property escrow monitoring. Do not use these morons. They are completely inept at banking.

My payment increasd by 60% because of their so called escrow review, they are unwilling to explain why. I spoke with someone who said I can pay the princial plus the increase in one payment and the escrow shortage in 9 payments, then the second person said I wasnt able to do so and if i tried they would forclose on my house. They use scare tacticts and threaten the customer. DO NOT USE THIS so called BANK. Call a real bank!

Flagstar recently bought my mortgage but failed to notify my homeowners insurance that they now owned my mortgage and to bill Flagstar for payment out of my escrow. They also told me it was my responsibility to notify the insurance company , however insurance company has informed me that Flagstar was responsible for notification.

I read all these other reviews from people and I'm feeling better. I'm not alone in the Banks corruption! They had my money sitting, just fn sitting in some far off place and still put me in foreclosure! They have done it again and again. Escrow this and blah blah. They are criminals and should not be in business! I'm getting the f away and never looking back.

They buy my mortgage. Three months in they stop autopayment, then don't bother texting me once when it's overdue. All the phone calls get screened as junk so I have no idea till it's a month late. Then they blame me. This bank is garbage.

We had a mortgage with OCWEN mortgage that got sold to Flagstar in 2015. We wanted to refinance in 2022 and started the process. On the phone it was all professional and peaches and cream. We started on 9/15/22 and we decided to hedge our refinance bet by also talking to an independent mortgage broker at Imperium Mortgage. They promised to close within 10 days with less hassle than what we were getting with Flagstar Bank and it was true. We closed on 9/28/22 with Imperium at a better rate by 1/2 a point and it went as planned. I immediately notified the Flagstar representative in writing (e-mail) that we closed on a loan and did not need their services anymore. We didn't hear from them until today, 10/22/2022, when we got a letter telling us they were declining our loan application. I immediately made a copy of the e-mail I sent them on 9/28 telling them their services were no longer needed and sent it with a letter telling them to correct this error with the credit bureaus.
Avoid this bank like the plague.

This is my first all-by-myself house! I bought it in 2016 and my mortgage was sold to Ennerbank... some time before covid.

In my world, a mortgage company is a mortgage company is a mortgage company is... is what I USED to not know I always thought!

Then along came covid... and suddenly my mortgage company became very real and human... I do not know if they have one person always assigned to me. That doesn't seem possible, as they sometimes sound different genders. I'm not judging anyone's journey. They've always been so kind and personable, with me! It feels like they care and they're keeping up. The last person I spoke with, on October 17th, felt like a friend; we had already wrapped everything up... then they touched on where I was, the last time we spoke, and asked how I was doing. How I was doing.
It just made me realize... They could make it all business. But they do care. I am just a person out of a million people, sure. But they are keeping up. They've been SO easy to work with, and I've hit a few bumps. I got scared, handled things a little poorly, and they honestly did help me. I appreciate them so much. These last several years, I feel like I've developed a relationship with my mortgage company... and I love them... and I like it

Worst company I’ve ever encountered. Applied for a heloc and they changed the amount 6 times and then said I wasn’t approved even though I’ve had my mortgage with them for 10 years.they should be removed from the banking system all together. Their employees are only qualified to work at Burger King !

This has been a Nightmare of a company to deal with.
Had I read all the reviews posted I would NEVER have done business with them. I have ALWAYS paid my payment a month ahead for 2 years now. Today I get my 2nd call from collections stating my payment is past due. My payment has always been paid 1 month in advance from the very beginning. Well in July seems they decided to apply it to my principal. Will not turn that around so that now I'm going to be considered days behind. I had called previously after this started and was told it would be corrected and next payment not due until Oct. 4th.
Today they call and tell me I'm past due for Sept. 4th payment. I am beyond DONE with this company.
One party tells me one thing and the next person says something else.
NEVER DO BUSINESS with them!

This company is the absolute worse mortgage company to deal with. I have had mortgages with other banks and FlagStar by far is the most difficult to deal with. I had an insurance loss due to a fire and it was nearly impossible to get access to the funds in escrow once Flagstar received them. Because of the difficulties I decided to sell the home because of the drawn out process of dealing with Flagstar. I intended to use the escrow funds to pay the mortgage off so that I could be done with Flagstar. Once the closing was complete Flagstar would not apply the funds in escrow to the mortgage balance to show the mortgage paid in full. My money is being held by the title company and I have no access to my funds. I am homeless through this whole process because I have no funds to purchase another home and I still have an active mortgage. Customer service is no help whatsoever. I was transferred from department to department with each customer service representative contradicting the other. It nearly caused the sale of the home to fall through. Stay away from these people! There are plenty other mortgage companies that are reputable.