Flagstar BankReviews of flagstar.com

Do not use them. It is a mess. I can't get hold of anyone, I am getting wrong names on statement, and 1098.

The automated robot is infuriating!!! The reps dont send the info you requested. I spent 5 hours being transferred and told the info I need is available in my online account. If it was available on there I wouldn't have wasted 5 hours arguing with a robot or customer service!!! Im honestly glad my loan was transferred but Mr. Cooper ain't much better.

Slow and stupid workers!!!

This bank is a joke. The service is unprofessional—reps respond to my questions with “I think,” with zero certainty. My external transfers are blocked 100% of the time, and any issue requires waiting 24 hours for a manager callback. Every rep I’ve spoken to is from an overseas call center and doesn’t seem to have real knowledge of the system.

On hold 30 minutes to talk to person, explained that another name was on my mortgage document, told they were aware of situation when asked why not informed they said aware and hung up.

Minus 25 milion stars. I have spent 5 hours today trying to get a 1098 for 2025 for my mortgage. They sold my loan to another bank in 2025, but I paid Flagstar January and February 2025 payments via autopay. You can't get anyone on the phone. I tried every number I could find and all I get is an automated menu and AI saying my 1098 can be accessed online via my account (it's not there) and that my loan is paid. No option to speak with a person at all. Found the chat for assistance. The person in chat said the 1098s were mailed 1/31/26 and I would receive by 2/15/26. I asked why I can access my 1098 for 2024 online and can't access the 2025 online. She didn't respond. I then asked then they transferred my loan as I was concerned they had not generated a 1098. She checked and said they had transferred my loan in Nov 2024. I said, then there is no 1098? and she confirmed. She apologized. I then called my new loan servicing bank and spoke with a person! They confirmed they did not get the loan until March 2025. I checked my bank account and found the automatic payments to Flagstar through February 2026. Got back on chat at Flagstar with someone else (hard to even find the chat link. It's no in my online account). The person said they requested a correction while I was on with them and that it would be generated in 7-10 days and then mailed to me. But they wouldn't confirm if one was ever originally generated. Just kept saying, I apologize, without answering the question. They said I could contact them if I don't receive it. Right? It's a nightmare to try to reach someone and they won't give any answers. They did give me a phone number where they said I could speak with a person. I called that number. After waiting in the queue for 20 minutes, the person said that the 1098s were mailed 1/31/26. Same canned message. I asked them to check and see if one was ever generated for my account. They asked for my account number. While I was looking it up on my computer screen (literally less than 5 seconds), they hung up on me. I did not choose this lender. My original loan was transferred to them. I would never do business with this mortgage company or their bank. They are not transparent and make it difficult to get any information from them. Run!

Sold my house almost 2 years ago. Flagstar won't close my HELOC no matter how hard I try. I had a first and the HELOC with them. Title paid off both. Paid all fees. The first was paid and it's closed. The HELOC is not. For almost the last 2 years I keep getting the run around I have 5 "Research references" and nothing. Numerous tickets and nothing. I keep getting automated calls because "I don't have insurance on file for the collateral". They didn't even reduce my available credit until I ordered new checks for the HELOC and threatened to use them. Either close the HELOC or let me use it. Next stop is a lawyer.

Worst bank ever. Not getting the $300.00 bonus because I did not maintain a certain balance from 7/1/2025 to 9/30/2025 and my account was opened in August, so how could I do that. It was first 90 days. Now the app, website does not work all weekend.