I am a customer with them and have been… 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.

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.

I go to the flagstar in New Hudson I go to the flagstar in New Hudson. The employees are so very nice. Jenny helped me to order checks. They all put a smile on my face. Thank you.

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.....

BEWARE of FLAGSTAR Bank - They SUCK!! 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!!!!