Inept 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.

flagstar has been awesome flagstar has been awesome. we use them for our credit card and mortgage. love that i can call customer service even on weekends and they can assist with questions or requests. we even pay bills through them. one stop shop.

Flagstar bank is possibly the worst… Flagstar bank is possibly the worst bank Ever in the history of Banks. I can’t understand how the federal government allows them to continue in business. I worked with them for two full years, 24 payments, when they were threatening to foreclose on my home, even though the payments were coming out of my bank account. After two years and an attorney, I discovered Flagstar bank gave me two account numbers so the money I was paying in mortgage was going into someone else’s account. Flagstar stated they knew this but “” Just didn’t fix it. Don’t use this bank if you can avoid it.

Overall Experience & Expectations We've been flagstar account holders for awhile, Now we just hold on to the account J.I.C. I myself have experienced what I feel is pure nosiness. Having direct deposit may not notate the exact name of the company making the deposit, and one time I was asked Where do you work!?🤔🤨. I wasn't trying to get indignant since flagstar does have "ALL" personal information, I answered. Most recently we felt the teller/associate wasn't at all friendly. Seemed just to the point, Not a crack of a smile!. No small talk, we even said happy holidays and received No Response🤔. I know not everyone may celebrate the holidays for whatever their reasons are. But we didn't even receive a have a nice day. Even if for whatever reason, they became irritated with us, the emotions shouldn't have shown it!.. I have noticed a change in staffing, But when the account was first opened the first staff members that were there, were very friendly in greeting upon entering and departing. Should covid19 be the blame for this as well!??. If some of the staff thinks they give the best experience, they need to rethink things and should be observed by upper management. This is a True and Sincere experience.....

I applied for a HELOC with Flagstar due… I applied for a HELOC with Flagstar due to their advertisment of low / no fees. I lived in Michigan previously and knew the name. My credit report was pulled immediately. I was presented with a list of items to submit which I returned indicating higher "income" changes would show within 60 days. I was declined due to debt/income ratio without considering the increased income. Further, the loan/to/value ratio (their calculation) was less than 70%. I do no care about the line of credit. What I care about is the negative impact on my credit report for 2 years. CONSUMERS be mindful that all credit inquiries remain on your credit report for 2 years. As few as 3 will lower your credit score. My personal opinion is that lenders should pre-qualify based upon a "soft-pull" of your credit.