What is the most common complaint against Flagstar Bank, N.A.?

The most common issue consumers report about Flagstar Bank, N.A. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 56 complaints filed with the CFPB.

Are complaints against Flagstar Bank, N.A. increasing or decreasing?

Complaints against Flagstar Bank, N.A. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Flagstar Bank, N.A.'s reputation grade?

Flagstar Bank, N.A. has a reputation grade of C (score: 57.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Flagstar Bank, N.A. respond to consumer complaints?

Flagstar Bank, N.A. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.

In how many states does Flagstar Bank, N.A. operate?

Flagstar Bank, N.A. has received CFPB complaints from consumers in 23 states, with the most complaints from Florida (10 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Flagstar Bank, N.A. - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

15
Written notification about debt

13
Communication tactics

9
Cont'd attempts collect debt not owed

7
Took or threatened to take negative or legal action

4
False statements or representation

3

Data updated September 2026

CFPB complaint disposition

CCDB record flagstar-bank-na Flagstar Bank, N.A.

Grade C · 56 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1116 · compose #2705

VOL 56
GRADE C
12MO 0
STATES 23
TIMELY 100%
DISPUTE 27%
ISSUE Attempts to collect debt n…
RANK #1,116
COMPOSE #2,705

Volume peers

Nearest volume peer: Auto Trakk, LLC (56 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Flagstar Bank, N.A.'s 56 CFPB complaints sit next to Auto Trakk, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Florida is the plurality state for Flagstar Bank, N.A. (17.9%)

Volume rank #1,116 and composite rank #2,705 diverge by 1,589 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 17.9%; Mid-band (15–30%) · 23 states with ≥1 filing
Seasonal peak: 2015-02 8.3%; 8–15% band · 1 filings
Divergent corpus ranks: #1,116 volume; #2,705 composite; Cleanest-composite ladder is 1,589 places worse than volume

How does Flagstar Bank, N.A. compare to its peers?

How does Flagstar Bank, N.A. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Flagstar Bank, N.A. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

95%

91%

Consumer-dispute ratelower is better

27%

15%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2020-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	15
Written notification about debt	13
Communication tactics	9
Cont'd attempts collect debt not owed	7
Took or threatened to take negative or legal action	4
False statements or representation	3
Taking/threatening an illegal action	2
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Flagstar Bank, N.A. come from?

Flagstar Bank, N.A.'s own per-state count, not a national baseline.

Florida

10
Michigan

8
California

4
Indiana

4
Illinois

3
Pennsylvania

3
Texas

3
Arizona

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Flagstar Bank, N.A.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 56.

4 peers

Know your rights before responding to Flagstar Bank, N.A.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.