I've used flagstar for banking for many… I've used flagstar for banking for many years and have generally been satisfied with them. However their recent handling of their (2nd in a year) security breach has me wondering what are their priorities. The breach occurred in Dec 2021 but I was not notified until June 2022. "We determined that one or more impacted files contained your ss#, acct#, name, phone ...". What are they doing about it -- offering a 2 year credit monitoring program with a single credit bureau. "If a new line of credit is applied for in your name you will receive an alert and you may call a specialist who will help you determine if it is an indicator of identity theft". "If you are a victum of identity theft a specialist will work in your behalf to resolve related issues." I would feel a lot better if they offered insurance to repay me for any monetary losses.

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.

Horrible in every aspect Horrible in every aspect. Can’t get anything done with this company! My previous mortgage sold to this company and it’s as if they just started the company a day ago. The payment system failed, rejected payment from my bank twice, the automated calling doesn’t recognize my SS, and also getting the runaround to different departments after I got a letter saying my home owners insurance expired when I just paid it for the entire year. Total incompetence. I’m also wasting plenty of time on hold. This company should get -5 stars.

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!!!!