# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91e41f6eff504fe3a971f1bff273a665
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a personal line of credit of $5000 dollars. It was approved the next day. Actually a Regions bank rep called and tried to tell me they reviewed my credit history and said they because of my excellent credit it would be better to apply for a personal loan of $3000. That would be more than enough to pay all I owe. I said ok and they will throw out the personal line of credit. Got a letter 5 days later saying they denied the loan and I could write to them and find out why. Regions why would I waste my time? I have been with your bank since 2003. I went to TVFCU THE LOAN WAS APPROVED. This is just one into several instances that Regions has failed to deliver for its customers. No way to treat a customer of 14 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c8e05e71f214031abaf0a72e186cfe1
encoding: FLOAT32
metadata:
{"chroma:document": "My daughter wrote me a $3,000 check drawn on Regions Bank in Atlanta. Not only did I appear in person to cash the check, I went to the actual branch where she opened the account (not that it matters, but...). They charged me $20 (TWENTY DOLLARS!!!) to cash the check! I had to close my BOA account after an identity theft issue and had opened a new account the day before. Since I didn't have a debit card yet, I thought it would be more convenient to appear at the closer Regions. I'm still blown away. I don't think there should be any charge when presenting a draft drawn on a bank, but $5 would have been reasonable (sort of). But $20?! Holy hell, what a ripoff!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: daa36006dad14b869f4f60a041b3de96
encoding: FLOAT32
metadata:
{"chroma:document": "I have seen at least a dozen reviews (here and on other sites) about how Regions seems to 'double charge' online transactions. I thought I was the only one. Up until about a month ago, I have never used Overdraft Protection, and never had a problem with the processing of payments/purchases. I used to work at a Credit Union, transactions (especially ACHs) should NOT take three, sometimes even four business days to process. Below are two examples:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 418416895be246c09408a1470d0acc35
encoding: FLOAT32
metadata:
{"chroma:document": "When I called this bank, it was actually impossible to reach a living, breathing person. The menu does NOT give you an option for \"customer service\" or to speak with someone. Therefore, you must go through an absolutely ridiculous maze of option 1, 2, 3, 4, 5, 6, 7. Another thing that really concerned me, was the fact that in order to speak to someone, you must punch in your Social Security Number. And if you're not a customer, they STILL want you to punch in your SS#. That is very suspicious and I do not trust an institution where they are asking for such personal information. This review asks two things: we need to describe our experience, which I just did, and also, the reason for the review. My reason? To WARN OTHERS that this bank makes it impossible to reach a real person and they want your SS#, before you can even talk to someone. No thanks!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6c3b004b4334c618d536f30a9965ec5
encoding: FLOAT32
metadata:
{"chroma:document": "Regions will automatically deactivate an online banking payee if the account is marked closed by the payee and you cannot access history related to that account any longer. You do not get the choice to deactivate. This is poor customer service as I cannot research transactions related to this payee at all now. This is not how all banks operate case in point Hancock / Whitney Bank. I am the customer and I should be the one to choose whether an online payee is active or inactive not the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e938f6906aaf40f8b5a41838a1373b92
encoding: FLOAT32
metadata:
{"chroma:document": "Most horrible bank ever and getting worse! Borrowed money from my credit line and on Monday was assessed a 'late fee' stating that my payment was due on January 20th! Went through the maze of recordings only to be transferred to Loan Services where I held for another 15 minutes. Rep was rude and basically told me it was my problems! I have found this in the past with Regions - they have deceptive banking practices, will seemingly ensure that payments are timed so that somehow you get NSF's on your account. This is the reason I changed to Chase for my main banking account and I have NEVER had this issue again with another bank! The branch close to me just closed and my feeling is that they are struggling again like they were back in 2008. Best advice - pull your money out and go elsewhere, fast!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6223ee1af36415c87639001fea4f026
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Regions Bank account holder since September 2016 and was okay with the account until I added their OD feature. After adding the feature naturally I tried to use it but kept getting declined. Instead of charging the $36 OD fee for the transaction, which I would have been okay with had they paid the item, they declined to pay the item and charged a $36 returned item fee which is non refundable even if they don't pay the transaction."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c90fbf998a304ba9a9b5006cbf46034a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been into the branch 4 times now. I have explained again and again that I have never given any login and password to anyone. All of my deposits are signed by me not for deposit only stamp and the initials L.H. on the back. In addition my name is always handwritten on the front of my checks. Furthermore I'm self-employed and have the same checks constantly going into my account. I feel that I have blatantly been accused of fraud. Where are the notifications - phone calls and/or emails - letting the customers knowing immediately of pending fraud? Why didn't the employees responsible for running the checks realize it was fraudulent. Also they are no sense of urgency for anyone at all pertaining to their customer's financial matters. They would rather treat you as criminals."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19f02e2648bd4e319b52ef2caed77e5e
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with this bank with my daughter in 2014 to get her started with her first bank account. Everything was fine until December 19, 2016. Someone deposited fake checks into the account and withdrew cash from the fake checks. They also got money orders from the post office and cashed them. This suspicious activity went on until December 22, 2016. Why the bank didn't alert us? I have no idea. The account now has a balance of -$8000.00. What the heck. They did their so called investigation and concluded that we were at fault. We have no idea who did this and all Regions care about is getting money from whom ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fce77f77f59e429f960884b930b9ee6f
encoding: FLOAT32
metadata:
{"chroma:document": "My daughter is a college sophomore. That alone tells you that she doesn't have much money. She works 2 jobs and every dime is precious. Regions charged her $10 fee for her banking. She was supposed to have student checking. She called them to see what happened and after waiting 25 minutes she was told she didn't have the student savings account and they could fix that. They credited her $5 back but told her that she could only do 3 transactions a month (moving money or withdrawing or depositing - all those count!). But to top it all off, she discovered tonight that they charged her $3 for a customer service fee!!! Just to talk to someone after she had been on hold for 25 minutes! She is switching banks as soon as she gets back to college. The sooner the better!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a72350b4716e4561bbf72aa5e111165e
encoding: FLOAT32
metadata:
{"chroma:document": "If you are looking for a banking firm, it would be in your interest to go elsewhere! Regions Bank has become one of the worst banking firms when it comes to Customer Service, and protecting their customers. I have had my account hacked FOUR different times within twelve months, two of which happened within 29 days of each other. The first two hacks were stopped along with a phone call informing me and I received a new ATM card, which we all know is a nightmare to have to update your info. The second two were the beginning of the end! I had over $300 cash withdrawn out of my account at a local ATM, while I was in Florida on vacation over 600 miles away. Within three hours of the withdrawal I turned in the card, that was supposedly used, to their Branch Manager in Florida. The Branch Manager submitted the request to Dispute Fraudulent withdrawal, I received a letter within 7 days stating it was denied! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d82f13eaf7c243c78183477e65289e87
encoding: FLOAT32
metadata:
{"chroma:document": "ZERO STARS!!! My home loan was recently sold to Flagstar Bank. I received a letter from Flagstar with specific instructions on making my first payment to them. Well, I followed those instructions to a T, and made my payment through Chase online banking. Three times!!! My payment has been returned to Chase by Flagstar three times! I've talked to clueless customer service representatives twice. Today will be my third. Are they running some kind of scam to destroy my credit???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0dd379792f66461baf8970b812bc5c92
encoding: FLOAT32
metadata:
{"chroma:document": "I was looking to buy a bike so I submitted all the documents they had asked for. And not a response at all. I don't understand why I wouldn't receive a response. Oh well I banked with them for over 10 yrs and I will close all my accounts because this is the most unprofessional business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef21893c79114d2cbbfce716b710e2ea
encoding: FLOAT32
metadata:
{"chroma:document": "Delay after delay. A simple lot line adjustment has taken years now. The Partial Release department is hard to contact, seems to make up new processes as we go, and has made this simple adjustment into a mess. Almost two years in Flagstar wants a notarized release for my title company to be involved despite being involved the entire time. New request after new request. Get it done, Flagstar! This is why people hate big entities."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 632e4eb926bf47499e9f1a1709a42a4b
encoding: FLOAT32
metadata:
{"chroma:document": "As a rule of thumb I tend to make payments in advance for all of my bills. In the case of Flagstar Bank an early payment went towards our escrow leaving us late on our monthly payment. I called to explain that the full (exact) amount we owed was paid in advance as an act of good faith. Unfortunately, they would not make any adjustments and as a result of our early payment we were stuck having to make an additional payment for that month. Needless to say, payments moving forward will be late."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88615d9e204343bb8c4fda28428ae398
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar Bank is apparently in the habit of keeping excess impound account funds over $500 even though it's the law. The first time they did this on our account they had over $5000.00 in our impound account. On one occasion, we missed a mortgage payment but rather than take the payment out of our impound account they reported a missed payment to the credit bureaus which lowered our credit rating. It was then we discovered they had all of these funds of ours they had been keeping for several years. Now I just received a refund check for $705.00 from them again in violation of law. This is just an incompetent, unhelpful and deceitful bank and I would never do business with them again and suggest you might be advised not to either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0c4482ad6b1438c908d223fc28eb2d0
encoding: FLOAT32
metadata:
{"chroma:document": "I have called multiple times in a month and each time there hasn't been a resolution until I had to figure out what was going on with my property taxes and getting double charged on my home owners insurance as well. I've showed them proof multiple times as well, spoke to the county of San Bernardino and they were in agreement with what I was asking. This last call after about 5 different times really pushed me over to write this. Everyone is stuck on one thing and when I was asked to be sent to a manager come to find out there is no manager. It's only a management team but no one is actually a manager according to Tatiana. She also stated it doesn't matter who we call no one is going to help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7da27e8b14d43869c4cb0c0d0d73005
encoding: FLOAT32
metadata:
{"chroma:document": "There are a bunch of hidden fees such as interest on purchases made. They don't make disclosure statements as they should. They charge $40 for returned payment fees. I lock my bank card for security purposes (not my fault they take the payment 3 days after the payment is made)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29e958fe1ada41718e9980e2dddbfc2e
encoding: FLOAT32
metadata:
{"chroma:document": "I was denied loss mitigation by Flagstar. I lost my job due to Covid and was struggling to keep up with my mortgage payment. However, Flagstar\u2019s denial turned into a blessing. Because of Flagstar not willing to help, I was able to qualify for the government assistance program HAF (Homeowners Assistant Fund). I was awarded 18month of the state paying my mortgage. Every month is a struggle to have Flagstar apply my payments to my account. Every month flagstar receives the payment \u201con time\u201d and it sits in a suspense account. The customer service reps are not knowledgeable, vile and make assumptions before looking at your file or asking the proper question. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc3a3039c87f42d7ae201521901c3143
encoding: FLOAT32
metadata:
{"chroma:document": "We requested a payoff on 9 Feb, paid it off but Flagstar went ahead and pulled $30k from our account AFTER we paid it off. We have been fighting with them to refund us this overage since 14 February. They even went so as to try and get more money from the account and were told there were 'non-sufficient funds'. Duh! Why were they trying to get more money AFTER we had paid off the balance? We provided our bank statement after they said they 'reversed' the money back into our account (no they didn't). We filed a complaint with CFPB and the bank's response was that it takes up to 3 weeks before the bank credits it to our account. WHAT? In this day and age of electronic funds transfers, it takes about 1 -2 days. We even went to our bank and talked to them about this. They were surprised that someone would even say that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16b05b0ed834454cab7b085176c6cdd2
encoding: FLOAT32
metadata:
{"chroma:document": "The customer service never helps me with what I need help with. They sound so annoyed with my questions and are no help with how to fix the current issue. They ask me personal questions about what I\u2019m going to do with my money or one time the employee held onto my money until I told him what I was using it for. This place is very discomforting. This happens every time I call them, not very charming for a banking business. I\u2019ll be removing all my accounts from Flagstaff and I advise you to as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ecc2da3731244c4390b6652149082b21
encoding: FLOAT32
metadata:
{"chroma:document": "Spent almost a month providing all the documentation they asked for. Only to get denied and not even offered to try and adjust the heloc amount just to get my account started. A lot of effort and time wasted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a054a69f7a54b28bf7a232968155363
encoding: FLOAT32
metadata:
{"chroma:document": "I have submitted all documentation on my modification for a new loan to be restructured. But they keep giving me the runaround for the past 2 years and keep accumulating fees. All I want is to is add my past due amount to the back of my loan so I can start fresh but they won\u2019t help me at all to revise it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 577f10d07c444c99b150816978c637a2
encoding: FLOAT32
metadata:
{"chroma:document": "I needed help with payments. I got divorced and Covid hit. When forbearance was ending, I applied for loss mitigation. I uploaded all of my documents and was still sent letters saying I have something missing. Don't look for much help from this bank. I applied for federal money, got it. Flagstar was sent the money in May. I started calling and was told to check back because the money wasn't there. Every agent I spoke with told me something different. Once I was told the check came in and went back out. I went back and forth with Flagstar and the government agency from May until the end of July. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2665ee7efe1b4ac38721be0c03a616c0
encoding: FLOAT32
metadata:
{"chroma:document": "Account was transferred from Wells Fargo to Flagstar a few years ago. The line of credit was never used. I closed the account per their instructions. No mention was made of any fees to close the account. I then received a statement showing no balance due, then received a letter stating that I owed a five dollar fee. I spoke to four customer service reps during an extended phone call, to no avail. They stated that I owed the fee and that needed to be paid immediately. Even though I do not agree, I attempted to pay the fee while on the phone. After first stating that they could take the payment over the phone, they then decided that they could not. They stated that they couldn't take payment from because my account had a zero balance. What? Absolutely Ridiculous! WORST BANK EVER!! STAY AWAY!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 720f61c808444d658d92cd15c1821e85
encoding: FLOAT32
metadata:
{"chroma:document": "As an ** veteran, I am at a lost of words with the pain and heartache Flagstar Bank has inflicted on my family after offering guidance to apply for state assistance with my mortgage only have Flagstar Bank decide to deny the state from providing state assistance to my family. Why offer guidance to a homeowner during a stressful and vulnerable moment, only to stab the homeowner in the back and deny that very same homeowner state assistance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3153b5841b724feebca54ab46057c016
encoding: FLOAT32
metadata:
{"chroma:document": "Let me preface to say that I have two mortgages on two different properties with Flagstar Bank; both CURRENT; both accounts have been and continue to be in GOOD STANDING. In May 2022, Flagstar received a large payment from my Insurance company, due to an unfortunate peril that occurred to one of my properties in Feb. 2022 for the purpose of rebuilding my home. Flagstar, having security interest, placed the funds in temporary escrow to be released for rebuild upon receipt of their required documents.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3781c2999dd64ff481e4d343f88d647e
encoding: FLOAT32
metadata:
{"chroma:document": "Worst customer service when it comes to call them. Called 4 times and I have been on hold for 40 minutes each time. If you do not have life or nothing to do call them. If you need a faster service change this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7544af7d2124eb4a6986c459f9b24e9
encoding: FLOAT32
metadata:
{"chroma:document": "This is a horrible company. We have been going back and forth with them for months. They have made an accounting error on our account and fail to fix it. They send our loan to collections every month and then start calling us. We have been told by several agents in several departments that we are right and are not behind on our payments and that they will make sure it gets fixed, this happens every month and then the following month it starts all over again. Today, after speaking with 5 people, one of whom was unbelievably rude. He was about to transfer me to someone else and I asked who he was transferring me to because the person I had spoken with who transferred me to him said that his was the department I needed. He said, \"to the department who will help you\" and rudely transferred me in the middle of my sentence. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35debbda200541979b58fb464fe0b0c0
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away from this bank! I have spent hours upon hours uploading personal financial documents for a Home Equity Line of Credit (HELOC). Finally, more than 2 months later they decided to ask for one more document and then said, \"We can't approve the HELOC based on zero logic.\" I have no problem with them rejecting the loan, other than the fact that I have already spent hours tracking down documents and months waiting for a response. If you're going to reject someone be a little quicker about it so they can go explore other options, of which there are MANY in the HELOC business. So with that said, do not waste your time with this bank! Find a bank that moves at a faster pace and lets you know up front everything they will need. Do not give them any personal items before they give you a checklist of EVERYTHING they will need."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 076dd7011d8d4ab7b21b79b30d330a9a
encoding: FLOAT32
metadata:
{"chroma:document": "I had a water leak in my home and have been trying to get my insurance reimbursement from Flagstar for two months. All of the representatives (with the exception of the one who hung up on me) have been very kind and try to be helpful, but it's clear that there are no good systems in place for documentation needed and process. There is a check shown as submitted and paid out on my document list that has nothing to do with my claim. I have told all seven representatives and some say it isn't there and others say \"I guess they will send it to the right person, you don't need to worry about it\" when I ask to have it removed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 283ffdd3061349aeb6c202da670f9c28
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked with Flagstar for over five years. I like the local branch. However, I recently applied for a loan for 20k. I own my home outright. I own four other houses that are rental properties completely, no mortgage. I own my business and the building that it sits in 100%. My income is anywhere from $1400-$2000 weekly. The loan officer has asked for paperwork after paperwork and eventually, I was forced to ask my brother to co-sign the loan. He has two homes and about 1.3 million in assets. I STILL haven't been approved and there is now even more paperwork that she wants. I'm trying to borrow 4% of my assets and I have no debt for my debt-to-income ratio. WHY IS IT TAKING SO LONG? I've never experienced a bank that was so determined to lose business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd873381d46244819b6c163d80d29852
encoding: FLOAT32
metadata:
{"chroma:document": "Since Flagstar purchased my mortage they have had 2 data breaches. The most recent breach I called with some specific questions and was told my questions would be passed on to the appropriate department and I would receive a return call. After 6 to 8 weeks this has not happened. I have sent several emails asking for a response with no replies. I have reached out on Facebook and Twitter. I have received acknowledgement but then it goes nowhere. Don't think for a minute this bank cares about you or your personal data. Customer service is nonexistent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46bf54efef874f49b31abb71aa572520
encoding: FLOAT32
metadata:
{"chroma:document": "This company is the absolute worse mortgage company to deal with. I have had mortgages with other banks and Flagstar by far is the most difficult to deal with. I had an insurance loss due to a fire and it was nearly impossible to get access to the funds in escrow once Flagstar received them. Because of the difficulties I decided to sell the home because of the drawn out process of dealing with Flagstar. I intended to use the escrow funds to pay the mortgage off so that I could be done with Flagstar and purchase another home. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac9c41a2eb9d48eebcd1da9107a577a1
encoding: FLOAT32
metadata:
{"chroma:document": "On 6/15 a storm came through my area and blew a portion of my roof off. On 6/16 I called my insurance provider and they advised me to let my mortgage company know about the damages. That same day I called Flagstar and went through their automated claim line and got my claim number (or whatever they call it). I stayed on the line to make sure I could talk to a person about what I had to do next. A nice lady picked up and told me that their systems were down and she couldn't only give some general information. She told me once I get my check from my insurance company that I needed to write the Flag Star claim number on the check and mail it to them in Arizona along with the estimate from the contractor and any paperwork from my insurance company. I followed her instructions and mailed all documents to Flag Star as soon as the check came through on 7/11. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02518a30f84d4085b4a7e27e6788cdcc
encoding: FLOAT32
metadata:
{"chroma:document": "For the second year in a row the escrow dept. screwed up with the amount they take out for taxes. I have been with their mortgage dept. for an estimated 8-10 years. Their escrow dept screwed up on the way they take out taxes and blamed it on the county, I have had my taxes taken out and paid in 2 installments. This year 2022 and last year 2021 they didn't take enough money for the tax/escrow and also sent too much money back to me in an overage check. When I called them about it the representative said they will look into it, it would take 6-8 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f34dd959685b41f3a1864a8a6cb5fede
encoding: FLOAT32
metadata:
{"chroma:document": "I received a letter stating that I needed to submit proof of my insurance. I did that. I kept get more letters after that so I called to figure out what the problem was and they told me it was a different insurance document than what the letters described. I got that from my HOA and uploaded it. They still charged me $600+ for not having insurance. I've now spent 15+ hours working on this and have called 7+ times trying to get it corrected. I've had three people over the last four months tell me \"just wait a few weeks and the charge will be taken off\" and it is still there. I would give negative stars if I could."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1fdb7d80a6d4b0e828782489c983872
encoding: FLOAT32
metadata:
{"chroma:document": "I would give this bank a negative five stars if it was possible. We are building a custom home for a customer that is using Flagstar Bank. We submitted our first draw to Flagstar Bank on 05/31/2022, it was approved through their 3rd party Granite Co to be paid. They have a ridiculous amount of forms required for every draw from us and the customer as well as every draw has to be notarized, but we jump through all the hoops along with our customer to help them get their dream home completed. (Normally banks fund within 7 days) As of noon on 07/07/22 it still has not been funded from the request on 05/31/2022. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51e140ebb33d4616ae2d64eb4af510b6
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{"chroma:document": "I called in regards to having my PMI waived. I submitted an apprasial and the waiver form and have not heard back for 30 days. I called and was transferred to the PMI department, the woman that was helping me was horrible. She kept putting me on hold without telling me why I kept having to say, \"Hello is anyone there,\" she was laughing not answering my questions, then I asked her to email me the letter regarding my PMI and she said, \"Let me put you on hold,\" she put me I hold for 5 minutes and then I got the \"Our customer service center is closed right now please call back.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: feb233b38e3846278cb0a10a496673b8
encoding: FLOAT32
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{"chroma:document": "Awful company, not only have they had 2 data breaches they also messed up my taxes for last year because of their lack of due diligence and now they are trying to make me pay for the difference. The customer service not only was rude and yelled but also insisted they contacted the town and the total received was correct and that I am wrong. However, I have the proof that they did not do their due diligence and made an error causing my escrow go to zero. Now they expect me to pay much more every month. Keep in mind I\u2019ve never missed a payment and pay 2 months ahead of time. The tax that they insist was given to them by the town in 2021 was not even close. It hasn\u2019t nearly been that low for years and they would of notice that if they actually did their part. Now they expect me to pay the difference. I don\u2019t miss a payment and pay on time 100% of the time but I\u2019m getting penalized for their error. That\u2019s ridiculous!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6537d32e17884972bd0198e6f229bcd7
encoding: FLOAT32
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{"chroma:document": "Our initial lender sold our mortgage to Flagstar about a year after we bought our home. The county we live in bills is twice per year for our property taxes. In 2021 my husband got on the phone with this company to remind them we are billed twice per year, to which they replied they only needed to make, and were only accounting for, one of the two tax bills. We are now having to pay hundreds more per month for our mortgage payment to make up the for shortage caused by Flagstar \u2013 they were not collecting enough from our mortgage to satisfy both bills."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 953c1ef764d44b9f8758d60045e7ba17
encoding: FLOAT32
metadata:
{"chroma:document": "I had autopay from UWM and Flagstar bought the loan. They sent junk mail but I obviously don't open mail from a random bank I have never heard of. My autopay randomly stopped and now my credit has taken a hit. Unethical business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de1f5aa0e18844d8a15e7705a1da830f
encoding: FLOAT32
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{"chroma:document": "I had set up autopay for my mortgage. Autopay was supposed to draft at the end of the month. Noticing during the first week of June that it had not been taken out I called to make sure there was not a problem. They told me that autopay had been cancelled but could not tell me why (this was not something I had done). They told me I needed to make a payment. I made a payment and they double charged me. I called back and they refused to reverse the charges. They sent me a \u201crefund\u201d form which gave me a list of things I needed to attach to prove THEIR error (which they acknowledged on the phone) and provide my account information in an insecure manner. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34ff165ec45844ca9dc69f80973ffd91
encoding: FLOAT32
metadata:
{"chroma:document": "Can you imagine the mental anguish and damage caused by being told your home of 19 years has been sold from under you via property tax sale? Even more so if you had/have not failed to make a single mortgage payment? On 7/15/21 at 12:54 p.m., EST, I called Flagstar Bank regarding a \u201cFINAL NOTICE BEFORE TAX SALE\u201d sent to me by the state of Maryland. This perplexed me because my taxes were/are escrowed and every mortgage payment had and has been made in a timely fashion. \u201cDonna\u201d transferred me to \u201cNoe\u201d for assistance. \u201cNoe\u201d informed me that the bill would be paid A.S.A.P. He requested an email address to provide me with confirmation upon payment of the property tax bill."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd21b7494b484adebe6c09ae8a78352f
encoding: FLOAT32
metadata:
{"chroma:document": "I received damage to my roof from hurricane Ida. I have been trying for 3 months to get my money to pay the roofers. My insurance company promptly sent me money for repairs. I have done everything this company has asked me to do. I have sent in all papers and I have had one excuse after another. This paper is missing, that paper is missing. I have sent in everything correctly. I owe roofing company $10,000 which they are holding. They simply will not get up off of MY MONEY. I have made at least a dozen phone calls to them about sending me the check to pay them. I see many other people has this same problem with trying to get their money sent to them for repairs. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdcf1cae348c48f497a908b5b6d205dc
encoding: FLOAT32
metadata:
{"chroma:document": "UWM sold my loan to this train wreck of a bank, and within the first few days they have already majorly screwed up my payment. Flagstar's web UI is atrocious. I navigated to the payments page, selected 'additional principal' and made an additional principal payment. Flagstar's system then reversed my payment and applied it as a regular monthly payment, rather than an additional principal. This is very clearly not what I selected. If a user specifically goes out of their way to select a principal only payment, especially after the monthly payment has been made, it should not be reversed. If people select this option by mistake, then you need to generate a warning modal to prompt the user to either confirm and continue, or cancel. What a terrible user experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e2fbe57d1594c1193b57dca7395a339
encoding: FLOAT32
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{"chroma:document": "Updated on 05/25/2022: So I have had the pleasure of speaking with Nadia from LOAN escalation whom was the only one to follow through with letting me know what was needed for loan to process after agreed released \"forbearance trial period\".. I have given all the necessary documents and made required payments to have NO response. I have also asked to pay for taxes due and they will \"not let me\". I do feel sad and mad that they are almost wanting me to fail as a long standing client. I have excellent credit and took advantage of pandemic relief options. I work for the airlines and a single Mom and was given the option of pandemic help due to loss of hours."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73dc391a519d4ac3acfbc82c8a5e4ed3
encoding: FLOAT32
metadata:
{"chroma:document": "Our Mortgage was just acquired from UWM. We had our monthly payment set up on auto pay. We were notified about 2 weeks prior to the transfer of service that this was transpiring. We didn't receive any communication from Flagstar Until the 1st of the month. Apparently I was too eager to make our mortgage payment. I logged into the Flagstar Portal at the first opportunity on the 4th and scheduled our payment. Later that evening I received an email from Flagstar saying that our existing Automatic withdrawal was still in place and would still happen. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8c4dcf5bceb4e11bfa7c7fd7e93478a
encoding: FLOAT32
metadata:
{"chroma:document": "They have no idea what they are doing. Our loan was acquired by them and I have had nothing but issues. It took 3 months for me to even get them to accept a mortgage payment (which they charged me a fee for because their online system kept reversing my payments). Now I called in asking for my 1098 tax form before tax day and was told they forgot to issue it so the earliest they could get it to me was 1 day after tax day. We dealt with that, however it is now over 2 weeks since taxes were due and I still have no form. I called in today and was told I don't need one since the actual first payments did not process until January of this year. That sure would have been nice to know on the call before tax day. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8ac80efc95849f5b5fc6699ad16c6dd
encoding: FLOAT32
metadata:
{"chroma:document": "After reading some of the reviews on here about Flagstar Bank I was a bit shell-shocked. I completely understand the frustration by some customers, I have some of my own as well, but I wanted to take a moment and give them credit for their positive attributes and hard work that I have personally experienced from them as my mortgage lender. I have been on COVID forbearance for quite a while and was set to exit a few months ago. Let me start by saying throughout the entire Forbearance they were helpful, kind, and informative whenever I had questions, concerns, etc. Following my exit of forbearance, I was to receive my new loan modification documents within a month, have them signed and notarized and returned to begin payments. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3f8cfbd74a34ca0b07eec262da8633b
encoding: FLOAT32
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{"chroma:document": "I have been trying to resolve my forbearance since July 2021. I have been told at least five times that an agreement has been mailed out for me to sign and return in order to modify my loan and resume mortgage payments. I haven't gotten any of these agreements yet I've gotten other correspondence via mail from them. It makes no sense that I'm receiving everything else in the mail from them except the agreement. Each representative I have spoken to agrees that it makes no sense. After reading similar reviews, I'm convinced this is just something they are trained to tell you and are not really mailing out anything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ab47ad517124af8bbb573bdb43341eb
encoding: FLOAT32
metadata:
{"chroma:document": "I own a property with my sister, and since she has hit a rough patch we decided to do a mortgage deferment for a few months. We submitted the application in February and were instructed to not pay our mortgage while going through this process.. We are still in the process two months later and Flagstar has put a late payment on our record. My credit score has gone down 60 points.. and I got a notification that someone put a hard inquiry on my report. Guess who it was? Flagstar :). Now I\u2019m in a situation that should\u2019ve never happened, with ** up credit and having to come up with two mortgage payments. They are saying that my deferment application is under review now, and what was once something that should\u2019ve took a few days, will now take an additional 30 days. The customer service + communication that this mortgage provider provides is absolutely terrible, I haven\u2019t seen such incompetence in my life. Horrible. 0/10."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d337b36b0e74d98aed6f93d64401387
encoding: FLOAT32
metadata:
{"chroma:document": "Really don't know where to start but I really hate whoever wherever this so called bank came from. They Acquired my loan and this must be the DAMN DEVIL. They don't have a DAMN clue on what's going on. I've been sending them the same 14 pages since 09/03/2021. They say they have the info. I call back 3 days later they don't have it. The back and forth since September 2021, the reviews online is beyond bad from the Racist ways that they deal and treat ** accounts holders for those who are dealing with hardship they accounts have been held up for very, very small reasons \"like the letter Y is not straight and that doesn't like a number 3 more like a 2\" but other applications have been processed with the same SO CALLED ERRORS with other Races. And the Employees with \"FLAGSTAR BANK\" knows that there is a problem. This KKK bank needs to be shutdown ASAP"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbe8ef15710340438bb3c937265d0f5c
encoding: FLOAT32
metadata:
{"chroma:document": "I have now spent more time trying just to speak to someone and to get a copy of my new loan than I spent with my previous servicer to do a refi from an FHA to a conventional loan. Flagstar recently bought my home loan from UWM and it has been a nightmare just trying to establish any communication. I could not register on their online portal until the day after payment was due and I have yet to be able to speak to someone at their customer service number. I have now been on hold for an hour and have still not spoken to anyone and this is my 3rd attempt since receiving the service transfer letter. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a8528390d034a6bb7fad61fe0cc3783
encoding: FLOAT32
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{"chroma:document": "I started a refi in November 2021, it's now April 2022. We have provided everything and the kitchen sink and they still want more \"proof\" we paid this and that, then they want to pull another credit report, I am so frustrated. We have nearly $300k in equity, and want to pull out $100k to install a pool and upgrade the landscaping, we own 3 homes and never in a month of Sunday's have we ever experienced sheer incompetence in a bank refinance. I've given up nearly 5 months of my life and I can't do it anymore. I am going to complain to anyone that will listen, and I'm going to write a scathing letter outlining the gross misconduct. We had a great % rate too, and with rates going up, and waiting for them to get their act together we totally missed out and now have to start all over again. I'm so frustrated and upset, who takes over 5 months to refinance when everything is in order. What a waste of time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 551851b8b5ff40b8a014cc6ca8f05177
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar Bank is the worst financial institution and should not be in business. I have never wasted so much time, effort and energy working with a company to process a refinance. I started this process to refinance an existing loan with Flagstar in August 2021. It has has been over six months! This is not the first time I have been through a refinance process and it typically takes 20-30 days to complete. This process is no closer to closing this out and going on month seven!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 120d1bd5fb4940b7bacae6459bb4d894
encoding: FLOAT32
metadata:
{"chroma:document": "In November of 2021 I refinanced my mortgage with another provider and called Flagstar to let them know that my taxes would be paid through the close of escrow on my new loan. Flagstar paid my taxes 2 days before the close of my new loan even after they had told me that my taxes would not be paid until December."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0db7181f3e2f4282bafda9c030c67407
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{"chroma:document": "Flagstar is the most technologically inept financial institution I've ever used. Nothing works correctly on their website (even after they migrated our account to a new \"platform\"), connecting with other banks or online services (like Mint) rarely works smoothly, and they don't even let you do a wire transfer from your online account! You have to request that the feature is added, which takes several business days. That is not much help when you are scheduled to close on a house and Flagstar won't let you access your own money! Unbelievably bad customer experience, and will be closing our account as soon as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cb62af1db7e441b85ea4b9afeddeb03
encoding: FLOAT32
metadata:
{"chroma:document": "After paying off my mortgage, still waiting to receive my escrow check from the bank. \u0130t has been close to 3 weeks. Unacceptable, if we are late of our payment would be punished by interest fees. Customer service suggesting to wait, instead of any investigation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34d14fe48cac4926b96e1e432c42fb19
encoding: FLOAT32
metadata:
{"chroma:document": "Absolute ** show of an operation. Sharon ** and Austan ** outright ghosted me, after my refinance had already run 4 months long. How does Sharon's manager not know there is a refinance of an existing loan customer outstanding 4 months? It took me finding a Flagstar Bank customer service phone number online, explaining everything to a rep, and getting connected to the department director, who also had no idea of how her subordinates were operating. Carmen reviewed my file immediately and said I should be ready to close in 24 hours."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c93d0534e03b482aa5ddc7b97761e0d9
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{"chroma:document": "I was going leave the situation alone until my cap came off, my loan advisor Jeanine-**told me my payments would not go up. I listen to her and her friend Lee ** who was my realtor (first time buying a house). I really feel like I was taken advantage of because I didn\u2019t know much but I was trusting two people to guide me in the right direction and helping me make the right decision for buying my first house for me and my children. Lee pressured me to move from my bank to Flagstar and I wish I listened to my first advisor at the time when she told me not to buy the house! I listen to Lee ** trusting my realtor and came to flagstar. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6e5bd26a9904afdb3d50c3859698ffe
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar Mortgage Department lacks concerns and does not care about borrowers especially when the borrower faces a hardship for short time. Flagstar unnecessarily does not allow borrowers to resume making monthly mortgage payments electronically via FlagstarMyLoans. Instead, borrowers coming out of Forbearance and in an agreed Loan Modification Plan must pay make mortgage payments by sending checks or money orders via certified mail or pay additional service fees to Western Union for mortgage payments. Flagstar refuses to update their internal systems to reflect payments as requested by the borrow with the date of payment specified on the check. IT IS BELIEVED FLAGSTAR IS REPEATING THE SAME INAPPROPRIATE SERVICING RULES AS LITIGATED IN 2014 BY THE CONSUMER FINANCIAL PROTECTION BUREAU."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 580490290b084213b14031504708d2d7
encoding: FLOAT32
metadata:
{"chroma:document": "2019 we took out the forbearance program for less than a year. 2020-2021 we completed application, submitted required documents and made it to the process of three payments. After, we were told our modification was in process not to make payments. Months of us calling for updates with no continuity of information. We got the run around and now are in the process of doing the application all over again. I feel like this is a trap and scam as now we are behind on insurance, racking up interest for something they expressed would be easy and helpful. It has been a horrible experience. I can not seem to get straight answers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8cf30aa121e4ef5a2d1d1c19c848975
encoding: FLOAT32
metadata:
{"chroma:document": "I refinanced my home with Fairway Mortgage. The loan was transferred to their servicer Flagstar Bank before my first payment was due. I had requested no escrow account due to my prior experience with a mortgage company requiring an excessive escrow cushion. My loan officer assured me I could remove the escrow account after my first payment with no charge. This was not true. I contacted Flagstar and was told I can remove my escrow account but there will be a charge equal to 0.25% of my loan balance. This is approximately $600. To add insult to injury, I just received my escrow analysis and Flagstar is requiring an Escrow Balance exceeding 1/6 of the estimated annual expenditures (homeowner's insurance and taxes). The required cushion is double the cushion amount allowed by law."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21a62da385b24ab1ae6bd07f86d33adc
encoding: FLOAT32
metadata:
{"chroma:document": "I have a loan from Flagstar bank. Suddenly they started charging me over $400 for my home insurance. I wasn't aware as due to covid in the family I got caught up. I called them after 6 months. They told me my home insurance lapsed. Although my insurance payment is included in escrow and goes altogether via my mortgage payments. I called my loan processors, they mentioned they sent every document packed to Flagstar. I called Flagstar again, but they said the same story and talk to your insurance agent. Now my insurance agent told me that they never received the payment which I was making on time via my mortgage payments which Flagstar lapsed in. Apparently, they are not refunding my money and making have been rude to me, and saying \"we just mail, it's your duty to check mails.\" I wouldn't recommend going with a company that is not responsible and takes accountability."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 453bd55b94bd45d79d5bb62a3e8cae0e
encoding: FLOAT32
metadata:
{"chroma:document": "They are mishandling my Escrow Account. Holding way more than needed. Please contact Consumer Financial Protection Bureau (Federal Government) and lodge a complaint to put a stop this kind of actions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c547fb1d0cb34a0b85e695e8007aee22
encoding: FLOAT32
metadata:
{"chroma:document": "I was in the market to refinance the loan on my home. One of the primary motivators was to get an additional tax break for my 2021 taxes. I made this issue abundantly clear to Flagstar when I started the process with them. I was set to close the loan on December 26th but was notified on December 23rd that my wife had not signed/returned a document. I reviewed all of my email accounts and all of my wife's email accounts - nothing had ever been sent to her that she needed to sign. I also checked the Flagstar portal that contains all of the To-Do items necessary to close the loan - nothing there either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 82b7eb0c9e71474ab10eab630d500274
encoding: FLOAT32
metadata:
{"chroma:document": "My loan was bought by Flagstar. I was on a forbearance due to Covid-19. After my forbearance they informed me that my situation wasn\u2019t from Covid-19 & told me that I had to fill out the loss mitigation application or come up w/ the total missed pymts in a lump sum. I filled out the paperwork. They mailed me new paperwork for my loan. They lowered my monthly pymts by 50.00 & added 10 & 1/2 years to my note! I got a company to help me lower my past due balance by 1,800.00. Flagstar would never fill out the agency's forms so she had to close my case because we could never get ahold of the right dept on the phone. We tried calling & emailing them for over a month. So I missed out on that agency helping me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5247b6b09c1d4d5b80ad843e5d8a4961
encoding: FLOAT32
metadata:
{"chroma:document": "This is my first mortgage with this bank, and all has been good until I needed help with an extension on my forbearance. We were eligible and have called at least 6 times to get it done, are told it is, but nothing has changed and no dates updated. Each time you talk to someone they contradict the last person you spoke to and you cannot get consistent correct answers, unbelievable and beyond frustrating. Even managed to extend the dates myself online only to be told today that it was probably a system error and we are possibly not eligible for an extension."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5b46e51d69a45b3ab66f989b83f11f6
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{"chroma:document": "Everything about this experience with Flagstar wreaks of predatory lending. Flagstar purchased my loan a month after I closed on my townhouse. I chose a humble townhouse in a new community built by Ryan Homes because I wanted a nice, comfortable, safe environment for me and my daughter and to ensure I could afford the payments on my humble salary. In the first two months Flagstar sent notice that my payment would increase. When I inquired about why and what we could do to mitigate this my payment went back down by $500. And for a year I paid my mortgage each month on time at a rate I could afford. Until December 2021, I got a county tax bill saying my taxes were not paid and the county wanted $10k immediately! I again contacted Flagstar. They assured me they would pay the taxes. And said my payment my have to increase \u201ca little\u201d to cover the taxes. Why wasn\u2019t this already being held in escrow? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78fbf5abf3ec4752ba4df45399d71652
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar took ownership of our mortgage within this past year. When tax season rolled around we received the annual bill from the city indicating what was coming due. We were under the assumption that Flagstar and our escrow would make payment directly to the city on our behalf. We quickly became confused when a check was mailed to our home from Flagstar, indicating that the check was to be used for our tax payment. This check was also $600+ short of what was due."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83944314864d4590b010f0eb5e8115c4
encoding: FLOAT32
metadata:
{"chroma:document": "I am really annoyed that the phone numbers seem to all go to an automated system. If you make an incorrect selection it's a dead end and you can't get back to the main menu. They added an escrow to my account and I pay my own taxes and insurance. They acknowledged that I have insurance but didn't reverse the escrow. The departments don't communicate with each other. I have a lot of equity in my home. Are they trying to take it away from me like they did to so many others in 2014? I can't afford an extra $200 added to my monthly payments since I am on social security. I guess they think I should pay for insurance twice? Maybe they think I am not in a position to fight then since I am a senior."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ddae65fe5594df0ad5c561fcbcedce9
encoding: FLOAT32
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{"chroma:document": "I wish I could give negative stars. I'm a first time home buyer and I was relying on Flagstar to give me the correct information. I was told twice now wrong information that was detrimental to my account, and this was even confirmed by the complaint department. I now have to find a way to pay over $1000 in less than two weeks. This is unacceptable. Flagstar has royally screwed me and has ruined what was supposed to be a great first Christmas in my new home. I would not recommend this bank to anyone. They clearly don't care about their customers and are only out for the money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccef8e8038484af7bc0628e1ed907cbc
encoding: FLOAT32
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{"chroma:document": "Flagstar bought my loan from a superior lender. If my way I would never have chosen them to be my lender. It appears to be their business model to buy good loans and then crap all over the customer with terrible customer service, ridiculous fees. Flag Star found out I was selling my house so they sent an \"inspector\" who claimed the house was vacant. With the power on, lights on, heat and gas on, cars in the drive, the inspector decided it was vacant. It was not. They then contacted my insurance agency which promptly notified me that my policy would be canceled at the first of the year. To top it all off Flagstar is charging me for the \"inspection\". I cannot say it enough Flagstar buys loans from superior lenders and then proceeds to provide the quality of service that made people get those loans from better lenders in the first place."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0dc80e5162d64c1188ca7467eb6be973
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{"chroma:document": "My husband and I have been going back and forth with Flagstar in regards to reporting our loan payment late for December 2020 when our loan was in forbearance and the house was in the process of being sold. Now a year later we are trying to close on another house and this wrongful loan reporting is preventing us from closing. We have been given the runaround with customer service on getting this fixed. We were told that when our loan went into forbearance that it would not be reported as late to the credit bureau. They lied and will not help fix it! We have disputed with credit bureau and also did what poor customer service told us to do and still nothing. Very disappointed and horrible customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23b94d93cbd5447dacc3f4626029d19c
encoding: FLOAT32
metadata:
{"chroma:document": "We having issue about my home loan. We are forbearance since August last year, July came and we told them we are ready to make a payment on my house and we passed all the document that they need but till now and FYI I just done talking to them we still need to wait for finish processing the paper. Once we got the document then we can make a payment. HELLO IT'S DECEMBER NOW. It's really frustrating for me and family that this issue it's take forever to take care of it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 189cf3d8978743da87a98ec12856aaab
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold to Flagstar one year ago. My property was affected by Hurricane Ida. I have a $10000 deductible. I received $38000 and Flagstar loss draft department is playing games. I have two letters in my file. One saying they received everything and would endorse the check. The other saying check will be returned unendorsed. They sent it back to me unendorsed. Don\u2019t know how I got the other letter saying everything received and check would be endorsed. I had my roof replaced. I owe the roofer. I had wall cut out and psi for this. I pay my insurance and Flagstar is being inconsiderate. I will be refinancing once my house is repaired. I\u2019ve already spent more than the check. They say there\u2019s no supervisor, every time you call if a different person. Don\u2019t use them. If you can avoid them please do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e792060cb12b47adac0d1cf684290eff
encoding: FLOAT32
metadata:
{"chroma:document": "We sustained damage during Hurricane Ida, our dealings with our insurance carrier were smooth and painless, however our experience with Flagstar Bank has been horrible. We have provided all the needed documentation multiple times, have been told the check will be endorsed only to have the checks (which we overnighted and paid for return labels for) were returned unendorsed without any notification. I\u2019ve seen the other responses on here to call customer service, we\u2019ve done this countless times and it\u2019s gotten us nowhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b84ff93ad1541e18d3389e8a31a10e0
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metadata:
{"chroma:document": "They charge a $30 fee to provide a payoff of your loan. Which most customers probably don\u2019t even realize it\u2019s happening because the title company request this and they approve the $30 fee and then gets paid when the house sells so no one sees it so they thought it would be smart to charge a $30 fee because no one knows about it. Completely dishonest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c8ea74dbf5a491dad905e2a937e4903
encoding: FLOAT32
metadata:
{"chroma:document": "To start anyone on here that said Flagstar mortgage has the WORST Customer Service is Correct!!! I have only met ONE person that had it together and could help me. They give you a STUPID runaround every time you call. Often times agents are rude and/or NOT trained to really help. They WILL NICKEL and DIME you to DEATH. Charged me several $15.00 - $30 fees for \u02bbcovering\u02bb my escrow during Co19--then upped my monthly payments to cover those escrow payments -BUT NEVER CREDITED the \u02bbFEES\u02bb that they called several different things - \u02bbadvances\u02bb/ \u02bbshortages\u02bb etc. They even charged me for \u02bbdriving by\u02bb my house?!! Their statements are confusing and often seem to contradict themselves. I have had mortgages with several other companies and this is not one I would choose ever again. They for sure are NOT working to help the consumer - very sad."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bdf2a48eeca4208a8d5b50d8f32f4d8
encoding: FLOAT32
metadata:
{"chroma:document": "My house was damaged during hurricane Ida. My insurance company sent a 9k check endorsed to myself and Flagstar on 10/14/21. I sent them everything I had, and all they have done is play games and lie. It's now 11/29/21. This is not only affecting me but my carpenter and his workers. This company doesn't care, though. I'm so angry Freedom Mortgage sold me to them. They are worthless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c699be7854f64109a71277c18244381c
encoding: FLOAT32
metadata:
{"chroma:document": "Very poor customer service. They charged a payment for flood insurance even though I provided evidence of valid insurance coverage. It has been two months and in spite of multiple phone calls, no resolution yet. Stay Away!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf131c98bf694f81901e0aeed42352cf
encoding: FLOAT32
metadata:
{"chroma:document": "So very kind over the phone. Walked me through everything. Help me set up everything. When I got my statement, it was spot on. I just hope they merge with NYCB bank fully. So happy they are now the owner of my mortgage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 139739423d094f8180a0577db5fb466f
encoding: FLOAT32
metadata:
{"chroma:document": "My house was hit by a tornado. Unfortunately Flagstar Bank was my mortgage holder. The insurance company issued a check relatively promptly made out to me and Flagstar. After endorsing the check and sending it to them next day air, they proceeded to wait over a week before even acknowledging they received it. Since it was sent certified mail, I know when they got it. They also received numerous paid invoices for repairs I already made. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2daf60ccd5e341478803d66459a3ed6c
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar bank made a payment from our escrow account for school taxes that was $5,000 in excess of what was actually owed. They had a bill, they just somehow messed up so bad and paid much more than owed. Our mortgage was then transferred to a different company. This caused issues for months as the new company was not able to resolve it quickly, leading us to pay an additional $1000 on our mortgage payment while waiting for a resolution to replenish our escrow account. Flagstar's catastrophic error caused us undue hardship, both mental and financial."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e91cdf7bb2d4f85a19940237e954828
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metadata:
{"chroma:document": "I added my husband to my savings account that has been in my name since I was born over 25 years ago. I suddenly had half of it withdrawn (about $500) after adding him. Apparently, he owed them a debt that he had never heard of because he thought he had closed the account in question. Neither of us were ever aware of the debt being sent to collections at all - no contact from the bank or the collections agency, and I'm not even sure which agency it is. I opened a dispute with the FTC, but they closed it saying that \"it was a legitimate debt.\" I'm pretty sure it's illegal to do that, and their response was just that my husband and I needed to call them. With our work hours, it's nearly impossible to have both of us on the phone at the same time during their open hours, so I'm basically out half of my life savings because no one will try to work with me. Wells Fargo was better and I absolutely despise this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a9c95711663409e94ebfdc496445ba6
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{"chroma:document": "Sent a claim Check requiring Bank endorsement. FedEx check with signature delivery, including Appraisal Report. The entire process is cumbersome. Bank records the Appraisal Report but not the check\u2014lost the check. Have lost 14 days and Contractor is nuts about getting paid. 2 days to get a call and no resolution. Not willing to reimburse Fed Ex fee, etc. Trash Bank, don\u2019t do it. Try Truist!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9562215029614aec9e6d228a0036a6bc
encoding: FLOAT32
metadata:
{"chroma:document": "It is amazing how a company can hold 5 of your mortgages and just completely ignore you when you have an issue. Kyle ** and his team of morons managed to screw up a submitted deed of record by putting incorrect names on it and are now just ignoring the issue and are refusing to correct it with the city. Who does that? How much effort/time/money would it cost to correct this issue?? There are plenty of others to use for financing needs in this arena so don't bother with these guys."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d92ec9fe65047a1b5d9d00eb4e865ff
encoding: FLOAT32
metadata:
{"chroma:document": "I sold my house almost 2 month ago and customer services keep saying they send the check but I don't know where. I even ask to redo the check and I will pay for 2 day delivery in which they denied to do. At this point I'm guessing they want to keep my money. Shame on them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7eebfc6c48e947a5bcf4d7443784e3ca
encoding: FLOAT32
metadata:
{"chroma:document": "Our annual tax bill is ~$10,000. We receive some local exemptions and due to the crazy market in Maine, received 1 year tax abatement for our property giving us a credit of $1200. When submitted, to Flagstar's escrow department as they requested, I never heard back about the topic. THEN, when I did call to check in on it. They had instead told me that we had definitely over paid since our taxes were only $1,200 for each 1/2 of the year.... So instead of reading the documents I submitted, and making sure it was done correctly because it wasn't they could have cost me several $1000 and a lien. As a mortgage industry professional, this is completely unacceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b509669ea00428ba92cc2b1f0e65113
encoding: FLOAT32
metadata:
{"chroma:document": "I look for mortgage application. He looked at my credit score knowing that I didn\u2019t had a social security number, and that your bank doesn\u2019t even provide this type of loan for me, He still went through with the application and he lied to me that I was pre-approval, He say for ITIN number I only have to prove my income for down payment. I\u2019m very disappointed with Senior Loan Advisor service and the bank. Didn\u2019t even had the decency to send me an email apologizing for your mistake and the consequences it caused on my credit scores."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02eb73fb8f3842b69541dec32856d0d2
encoding: FLOAT32
metadata:
{"chroma:document": "I had scheduled my autopayments for each 28th of the month, it was the 30th of the month already and still didn't see any payment posted not even as a temporary transaction in my bank account nor any notification in my email. So I decided to cancel my Flagstar autopayments. Then I did my payment manually and I got the notification immediately for this one. My manual payment went though fast. Well guess what? I got a charge of the autopayment showing off as a pending transaction on Wednesday the 1st. So I called and followed their instructions while I sent the refund form, they say it would take around 10 business days to get my refund (terrible 'cause I had other urgent payments to do). I think everybody just want to hold your money. Don't use autopayments if you are religious about seeing your transactions on time. BTW I didn't fully read the form and I just replied to the agent with my form instead of the right email in the description so I need to wait more time to get my refund."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d796290c953e4cf3bf9ce67e5bb6808a
encoding: FLOAT32
metadata:
{"chroma:document": "I recently purchased a property and my loan was sold to Flagstar. Since then my new tax bill came out which I provided to Flagstar over a month ago for escrow update. Nothing has happened since. Every time I call (I have called 5 times over the past 4 weeks), I am given the same runaround that they are working on it or that my account is on \"high priority\". Last time I was told that my account will be updated in 5 business days and this was 2 weeks ago. All they do is say \"we are sorry\" but don't actually fix the issue. Today they told me my escrow account is short so I have pay extra to fill up the gap, none of this had been communicated if I hadn't called myself. They don't communicate any changes nor do they update your account so you can it online. I am considering closing my escrow account because their mediocre service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bf588bce2e0414a82f187949937dc80
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold to Flagstar bank in March 2021. My account was managed so wrong and I have been harassed since day 1. The escrow and insurance departments are mismanaged. I made decision today to pay off my loan over $385k since I cannot deal with the harassment. My credit score ~780 - 810"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8add77a680849ccaabeb9033b0dd6e8
encoding: FLOAT32
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{"chroma:document": "I've been trying to get a home modification for 4 months. Are they overwhelmed or underqualified? Only updates are by USPS & are late. Keep calling. Upload your docs and keep calling! I was the Sr. Admin for the real estate division of a 64 billion dollar bank. I know what is required and what is sub-par work. My loan hasn't even gotten to an underwriter yet. Btw my Credit score is 814. I have a job and want to start sending them payments again, albeit lower payments due to loss of income. It's almost as if they want you to lose your house. I have a lot of equity and will sell before that happens. They will lose a loan and I will lose my home if they don't get it together."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2f4049248be4e8881c27786ba3e1f50
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metadata:
{"chroma:document": "We worked with our trusted mortgage broker on a refi for 3 months. It was nearly complete. Ordered appraisals, all docs in, everything was pre-approved and at the last minute, just before the 2nd appraisal was complete, the bank decided our property did not fit their definition of a single-family. We have financed this property several times during purchase, construction to permanent financing, refi #1 and #2, and no lender has ever had this issue. We spent thousands and they pulled the plug at the last minute. It was easier for them to say no than work through the underwriting. I work in the real estate/RE finance industry and we gave them all the documentation they required but they somehow couldn't wrap their heads around it. I highly question their understanding of property definitions or commitment to borrowers/clients at this point."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3162b02a311642e3bdeb5eab7f01d7aa
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{"chroma:document": "I lost my job due to Covid 19. I talked with Flagstar and was told on several occasions \u201cNo worries. We can put you in Forbearance and just add it on to the end of your loan when you are back to work and ready to start making payments.\u201c This turns out to not be the case at all. I got back to work and called to get set up to start making payments again and was asked if I could pay $20,000.00 upfront to get my loan current."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa6b19773fa1471f85ec7b9a501365f7
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metadata:
{"chroma:document": "I have been making payments since 2019 when my loan modification was supposed to be finalized. On Friday in December 2020 I received a letter stating my modification was reversed since they couldn't get name change on the deed by my local deed department. Wait they couldn't reach me or my spouse so they had to reverse the modification a year later from the date we signed all the documents. I called my local deed department was told that was in fact not true the bank failed to submit the documents for it to get modified through government modification program. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5717ba63cd14daaa828f97ed90b24e7
encoding: FLOAT32
metadata:
{"chroma:document": "After the loan is processed you will never hear from them again. Escrow changes... nothing, monthly payment changes... nothing, escrow shortages due to changes in escrow amount... nothing. My loan when purchasing my home was around $1,600 about $200 of that was escrow. After that first year the city re-evaluated my taxes with the new purchase price of my home. So I was expecting an increase in escrow cost. Flagstar never changed the amount of my payment. No notification of a difference in escrow balance, no expectation of the new loan monthly payment, nothing. Then I go to pay my September payment and it was $1,000 more than my normal amount. Without notifying me of the change, if it was auto pay I would have just seen a significantly larger payment with no notice. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1df619eb3d84474bcaee2d5d37dd278
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{"chroma:document": "In May 2021 I forgot to send in a mortgage payment. My mother-in-law had been put on hospice and ended up passing on May 25th. I never received notification of the missing payment and didn\u2019t realize that I missed it until I got an alert on my credit score, which had dropped 72 points in one day. I investigated and found out that I\u2019d missed the payment and immediately called Flagstar and made 2 payments at once. I asked Flagstar if they would remove the bad credit remark because I had NEVER been late in the years I had the mortgage with them. The process was humiliating. You have to write a request then FAX it to them. First, who uses fax? Then they never got back to me. So I had to call and tell the story again and ask for help. Again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7409d6e0468341a8820de397b53c474e
encoding: FLOAT32
metadata:
{"chroma:document": "I was shocked to find a Major derogatory hit on my credit report from Flagstar Bank. When I called to complain they said it was a mistake. They said I had never missed a mortgage payment (auto pay) and I had never been late. They said they would take care of it but they never did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81beed12d1cb4e9681c5bd4a9d2f4df7
encoding: FLOAT32
metadata:
{"chroma:document": "Have been dealing with Flagstar since May. We were in the middle of a forbearance and had already been approved for a loan modification when they bought out our loan. It has been nothing but problems from the start. Started with getting 2 or 3 calls a week to leave us a voice-mail saying we need to call back is urgent and we would call back for them to have no idea why we were calling. Then our loan mod paperwork was supposedly Fedexed 1st week of June, so haven't received it. Now we are calling them twice to find out where our paperwork is so we can get it notarized and sent back to them. Since June they have supposedly fed exed us the paperwork 3 times now and haven't received it yet and they refuse to fax or email it to us."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 133597564a2441408e0703c6502e96a4
encoding: FLOAT32
metadata:
{"chroma:document": "My original loan was with them. I started a refinance with this company over 2 months told it would take 30-45 days. 60+ days out and waiting on an \"issue\" with Title with no estimated time to completion. It has been a frustrating experience to say the least with minimal contact from loan officer. I am pushing to complete given the fact that we have committed resources and time but unbelievable. I have done numerous loans over the years, this is by far worst experience to date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 774e208ba4e745b6928537eac3dc8a36
encoding: FLOAT32
metadata:
{"chroma:document": "Oh, how I wish I could give negative stars for the experience that I have had with Flagstar Bank. I began my refinance application on February 26th and I finally pulled the plug on the application on July 9th. We followed through the process and were approved and even had the notary scheduled to come out and sign the documents. Then I was informed that Flagstar had not submitted a subordination agreement to my 2nd mortgage holder. After that, Flagstar no longer honored the appraisal waiver that they gave when I originally applied. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47e1d7e3963d4478aa8da6f61314cfc0
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{"chroma:document": "We had a loss to our home on 01/25/21. Flagstar was paid out over $67,000 from state farm and they will not release any money to begin repairs. I had to pay them out of my pocket $45,000 and they state they need a summary of loss. State Farm does not have such a form but has provided comparable form. Flagstar will not even make themselves available to conference call me and the Insurance company so that they know exactly what they need. Then a representative will comes on the line and you think you are getting somewhere and then you have to call back and the new rep is back to needing this summary of loss. Are you kidding me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c58fcddff094ab2881af83e57ae7126
encoding: FLOAT32
metadata:
{"chroma:document": "This has been the worse experience I have had while on the mortgage Forbearance Plan with Flagstar bank. I check in monthly and have made payments whenever I am able since August 2020 and Flagstar's collection dept still call me monthly (sometimes twice a month) harassing me about if can pay the amount owed in full. They also send someone out to my property monthly leaving a notice to see if I abandoned the property and I receive notices at least twice a month with the amount I owe. I receive a call today from one of their collection agents that stated I my forbearance plan was coming to an end and that I had not been making ANY payments. I was so upset because I have plenty of proof from my bank statements that show that I have been making payments while on the forbearance plan. I have also have double some of the monthly payments. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9c01683510b415abcd86df591db5fdc
encoding: FLOAT32
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{"chroma:document": "I have owned several homes and have had multiple different lenders. My loan was transferred from Quicken Loans who by the way was great. Wish they didn't sell my mortgage to Flagstar bank. I called Flagstar to set up bi-weekly automatic payments which I have paid this way for years. I was told I had to pay 30 days ahead in order to pay this way and had no choice in which day the payment would be deducted only the 1st and 3rd Friday of each month. I am going to find another lender to refi with even if it cost me money because this bank is horrible. I have never been a day late in 20 years on my mortgage. This bank is far from customer friendly"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c69a77cc04b4a18a900572e39f1e349
encoding: FLOAT32
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{"chroma:document": "When COVID 19 first began, my wife and I experienced a financial hardship. Between a reduction in her available work hours, and increased childcare expenses due to school shut downs, we were in a tight spot. We were put on a forbearance plan until we were able to sort out our financial situation, at least that was the plan. At the beginning of last November, we were ready to resume making payments. After speaking to Flagstar we were told that if we could not pay our delinquency off in one lump sum, or break it up into three monthly payments we would need to fill out a loss mitigation form and fax it in, along with some supporting documents."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13d4ef5c87574641b216a3a77c99d1da
encoding: FLOAT32
metadata:
{"chroma:document": "Home loan borrower from Flagstar, and my experience has been incredibly frustrating. My loan was simple, just borrow a set amount and pay it back over time with interest. I was working as intended at first. However I got a email explaining that I was going to be billed $1444.00 for not having homeowners insurance. When I had proven that I had the insurance, I was still forced to pay that amount, only to receive a partial reimbursement when shown proof. What made this worse was that it seems I'm now getting charged for escrow, even though I pay for my own property tax/insurance. I am starting to get incredibly frustrated with this company, as it seems like they keep tacking on new fines and fees without any explanation or reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f04c5b503ea4755b9414e1c8a30bd72
encoding: FLOAT32
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{"chroma:document": "I've been with Flagstar since the bank major fall outs and Washington Mutual caved (for a lack of a better word). My life was smooth sailing until 2014 when I had a major slap in the face and nearly lost EVERYTHING I owned. I was 4 payments behind 8n my mortgage, yet they never gave up on me...walked me through every obstacle in order for me to keep my home. Then Covid-19 hit and it hit hard, yet once again Flagstar never gave up on me. Out of work and was penalized 26 weeks of unemployment because an ex co-worker had it in for me, yet they stood by my side and put me in a forbearance plan to further help me keep my home. I recommend them with the highest respect and know that they would treat you as family as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ed8199b42e6440097311e6bce53a94b
encoding: FLOAT32
metadata:
{"chroma:document": "Do not use these people for your mortgage!! Go to AmeriHome mortgage instead. They won\u2019t charge unfair fees for simple transactions. They also care about your account security. Flagstar Bank's customer service is pathetic. They lie and deceive you to get what they want instead of taking care of the customer needs. I\u2019m extremely disappointed in the way I was treated and the fake process they put me through to make fun of my situation and then to say no to a simple request to make me feel secure in financial transactions. Instead they used this to mock and laugh at my situation. It\u2019s absolutely appalling. The CEO of this company should be absolutely embarrassed of the way they let their employees handle customers. Since he or she can\u2019t take the time to speak to one of the people who pay his salary."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c94fa37813ef44838363610f628ffa2a
encoding: FLOAT32
metadata:
{"chroma:document": "We have been trying to refinance for months and we kept getting conflicting information about what FG needed from us to process our application - we went through the whole thing twice. I posted a BBB complaint and got a number to call which was just a generic CS number, and no one ever called us back. Now they denied our refinance application and send a debt collector to our door on a Saturday - we're refinancing with someone else, and we've been on the mortgage deferral program, so we owe them nothing"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e61618047e5c48eab9b64b9267a209f8
encoding: FLOAT32
metadata:
{"chroma:document": "We've been in our home for almost 9 years. Flagstar obtained our loan a few years ago. The customer service has never been great but no real issues. Last year at the beginning of the pandemic they offered us a forbearance that I was supposed to last 90 days. We run a small business and things were slowing down and very uncertain. They said after the forbearance we'd have 3 options of how to resume payments. Seemed simple. When I called to resume payments at the end of the 90 days I was told we'd have to submit a loss mitigation application and get approved to reset our loan. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a06e56c4bff44244a3dc924b6b4cbec6
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give negative stars I would. By far the worst experience I have ever had. Back in December 2020 I begun the refinance process for my current home. I spoke with one of the refinance reps many times in which I was told I would get a 2.5 interest rate if I were to lock in now. I told my agent to lock it in through phone calls through texts multiple times in which I was told that she will do it and let me know once it was done. I went on to the site the next day and saw it was still not locked in. I spoke to the agent over the next few days in which I was told she is going to do it. She never did. That\u2019s when the pain in the ** began. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c1fc6849b8b468588b90702b3b90166
encoding: FLOAT32
metadata:
{"chroma:document": "Nov 2020 to June 2021 is how long it took for a simple refi loan with a relationship over years with my current mortgage. Every time I inquire, IF they respond they want more docs, more docs, looking into it. Then after 8 months, 8 months drop the request. I\u2019ve never in my life been turned down for a loan, never! Others knocking on my door for business, I\u2019ll move away from Flagstar ASAP! My home is almost paid off, I\u2019m outta there!! Read others' reviews! Best of luck to you, you\u2019ll need it! Can you leave a 1/4 star? I couldn\u2019t find it..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8717a64741c4e3290ec27c1e068a09a
encoding: FLOAT32
metadata:
{"chroma:document": "Our original home loan was bought by Flagstar, and it has been a nightmare from day 1. We were not, I repeat, we WERE NOT notified that they bought our loan. Even though they bought a loan that we took out on the only home we live in, and they know the address, they DID NOT send statements or notice to us about the change in lender, so we didn't make a payment for months, This has wrecked our credit. We had to pay about 33,000 in one day, to catch up and ensure we didn't owe anything. Then we we got hit with baseball size hail, they collected our insurance check (which is understandable and deposited in escrow) but when it came time for them to cut us a check for the damages we HAD to fix, it was like pulling teeth. We are thinking of just paying off our loan to get rid of this company from our life. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 246170a9b3d94e3fbfce5f4d32199940
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar took over our loan. They convinced us to get in the covid forbearance program promising no extra debt, after 3 months we tried opting out and they took 4 months to finally get us out of it and now they are charging us double for the missed payments. Customer service has clearly told us there's nothing we can do, we are now in more debt than ever and our monthly payment keeps going up monthly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20d1fc0d33834d4d87b30e10af36c868
encoding: FLOAT32
metadata:
{"chroma:document": "0 stars really should be an option. I wanted to change my due date because my pay schedule changed and since it changed, there was a window of time when I didn't get paid. I get a ridiculous run around and am told to submit loss mitigation app. Nothing but a run around after that. Really? Something happens in life and that's the response? Please stop saying you care about your customers. You most certainly do not. Ever since my mortgage was purchased by Flagstar we've had numerous unwanted calls. Now I am forced to make my payment late every month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a18ba761c6f44ce7b1ecdd7f225ec2c8
encoding: FLOAT32
metadata:
{"chroma:document": "My loan was sold to Flagstar a few years ago. To be honest, the transition went fine. The trouble started when I initiated refinancing in March, '21. I have a credit score that hovers very close to the max of 850. I thought that using my current lender would provide an easy refinance. It's been nothing of the sort. NIGHTMARE! No communication unless initiated by me and then the answer has always been something like, \"almost there...oh, we need one more document and then we'll be done.\" Then another month passes and they need updated bank statements and pay stubs. I've provided every document they asked for within 48 hours of requesting...most within 3-4 hours. Then I wait for a few weeks and finally reach out to get an update and would you believe it...they need another document. How long would it have taken them to notify me that they needed another document if I hadn't checked in? Certainly, no one was checking in with me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a568371ae56469b8feb5877886a3dd5
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar bought my mortgage account which was in Covid forbearance. They immediately launched into full collections mode before I'd even received a welcome letter. In addition to facing recovery from being sick, I now have to deal with endless collection phone calls, mail, and letters left in person on my door for my neighbors to see... while I'm in forbearance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 427510f4322a4af4b70986c932bcccb9
encoding: FLOAT32
metadata:
{"chroma:document": "My home has been financed through Flagstar Bank for several years. I have never missed a payment and my credit score is in the 800's. I wanted to refinance to take advantage of the lower interest rates. In fact Flagstar sent me an email soliciting me to do just that. I have 75pct. equity in a million dollar house that I've owned for 43 years. They have stalled the process for almost 4 months asking for ridiculous documents. Each time it comes back from \"underwriting\" there is something new they want, then it takes another 3 or 4 weeks for them to get back to me and want something else. What a joke they are."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fa0a31e571f427a839fb58b72e63e44
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage loan was sold to Flagstar Bank and it\u2019s been the worst thing that could have happened to me. I\u2019ve been trying to get out of the forbearance plan since last year and no one has been able to do it, it\u2019s been call after call doing what I\u2019ve been ask to do and nothing is done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1cab1560db14802a61e687186acb6e4
encoding: FLOAT32
metadata:
{"chroma:document": "We give Flagstar Bank -0 Stars. We opened a business checking account, deposited over $10,000. We had a 5 customers' bank place a stop payment on their checks and Flagstar Flagged our account and Claim it's under investigation, but when we call they give us no information, they just forward the call to another department and tell us they'll contact us. It's been 3 weeks and no one has contacted us. We are reporting this bank to the BBB, FTC and Law enforcement for retrieval of our funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59f7cd51ad9f4ecfa97accf221702f1c
encoding: FLOAT32
metadata:
{"chroma:document": "This company is far beyond the WORST company I've ever had the displeasure of having to deal with. Since October my wife has been trying to work with this company doing everything they told her literally and while she was sitting on the phone with them. She received no help until contacting an attorney and the Consumer Protection Bureau. They still are not standing up to their end of the deal explaining how paperwork should be signed and only where they put tabs so we do exactly what they said because after experiencing all the other rule changes they constantly make only to be rejected for not signing a paper that \"they usually forget to put a sticky note on\" -Ms. **. In the hardship task force tells me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ede0d3e962874c8ca9479a4649350cfc
encoding: FLOAT32
metadata:
{"chroma:document": "I wish there was an option for negative stars. My home loan was sold to Flagstar a couple of months ago and it has been a series of nightmares ever since. The latest has been finding that my property taxes were not paid from my escrow account and I now have accrued interests on late payments. To make matters worse, there is not evidence phone number to get customer support or any useful information on the website so I do not know how to resolve the problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 124a263f95cc460fa1bb62f5c99bf3a4
encoding: FLOAT32
metadata:
{"chroma:document": "This company goes far beyond horrible!! I've been working since October to try to change my loan after the hardest year my family has ever faced. Submitting everything they asked for and literally as I spoke with an agent. Had to attain counsel before anything really has been done at all. I can't even begin to explain the additional hardship this company has caused my family. I've never in my life been treated so poorly. Having to call in multiple times to get an agent willing to actually do any work. Put into a plan that would raise my mortgage to 90% of my guaranteed monthly income which I had explained multiple times and submitted proof that our pay rates vary and that I had lost my job during the pandemic and have not been able you return. Even though I had sent not 1, but 3 appeal letters stating that I didn't want to be in it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f8b1bff458c429287298e585214e8e7
encoding: FLOAT32
metadata:
{"chroma:document": "My original mortgage was with Chase bank, but my mortgage was sold to Flagstar Bank. We recently had two major hurricanes to move throughout area. The second cause a tree to fall on my house and a second tree in my yard, taking out part of my fence. I paid to have the trees removed before the insurance could even come out, since the tree was literally through the roof. The insurance agent did a great job on his assessment and payout. Of course the check was made to us and Flagstar. I have dealt with this with other properties, so I really was not worried."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b19ca66c58f04ddeae4cf6d73028e626
encoding: FLOAT32
metadata:
{"chroma:document": "I set my account up for bi-weekly payments, little did I know that it would not cancel my monthly mortgage payment. So it pulled my payment twice/Initial phone call was great, they cancelled this for me right away so it wouldn't happen again. I sent in my form asking for an EXPEDITED refund of my mortgage payment since it pulled twice. This was pulled back on 2/27. I sent the form in on 3/2. Here we are now on 3/14 and it STILL has not been refunded. Terrible customer service as I emailed for an update.... They told me I need to call them for an update. You would think they could pick up the phone and tell me when it will be processed since I asked TWICE for an expedited refund."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45d61551a3ab4e6e86577de864c96ab2
encoding: FLOAT32
metadata:
{"chroma:document": "We purchased a new home November 2020 and our loan was sold to Flagstar Bank before we could even make our first payment. We have not been late on any of our payments on this mortgage or the mortgage we hold on our other property with Wells Fargo. Today I get a phone call from the Flagstar Bank collections department wanting to know if I had made my mortgage payment yet. Our credit scores are over 700 and we have a 16 day grace period as with all standard home mortgages. I have never in my 27 years as a home owner with a mortgage had a lender call me to collect my payment while still in the grace period. I found the phone call to be harassing and insulting. We will be refinancing my mortgage even if it means paying a higher interest rate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 248e532e4c424fb6847628eb267fcf0e
encoding: FLOAT32
metadata:
{"chroma:document": "We have been working on a refinance with them since October 2020. Our original mortgage was sold to them and they contacted us saying they could refinance it at a lower rate. We have supplied statements, paystubs, two appraisals, all documents. They have asked for the same things countless times. One time they asked why we had a large deposit every month in our checking account. I told them that was when I deposited my paycheck... Now we have done everything necessary and no response from emails, phone call lately. By their own schedule, we should have closed the loan two months ago. A little communication saying what their plans are would go along way. I am regretting being this patient with them this long."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f0bb559a57a45f8a16979a810b94408
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a Flagstar customer for over ten years and the past year has been the worst ever. They put a hold on my account and told me I had until Thursday to come in. I checked my account and they've returned all my deposits to senders. Now all my bills have late fees and they closed my account for no reason. I really think it's this branch I go to since I've moved. They seem very racist. WORST BANK EVER!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 370d9a993a22434ab511837c4b5ce5ca
encoding: FLOAT32
metadata:
{"chroma:document": "Missed 1 payment due to cancer situation. Then covid19. This bank could have cared less. Due to no exception allowed, I could not get them to remove 1 late payment to restructure my finances to keep from destroying my credit history. They didnt care and now I am in a finance collapse due to their horrible business practices. 1 missed payment after several years. Just shameful. Would not recommend them to anyone!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c70145ba4e64c9f8b38fe4d28a6abcc
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible experience with refi attempt. This was my existing mortgage company so I figured I would stay with them but they couldn\u2019t seem to get my paper work or financial information correctly entered. They were completely unresponsive and inaccessible. Terrible company. Strongly recommend looking elsewhere for mortgage needs. This company will waste your time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a098320117dc41c587aa9e15cc43147f
encoding: FLOAT32
metadata:
{"chroma:document": "My loan was (sold) transferred to Flagstar Bank, which for me was not a big deal because I pay my mortgage early most months and by law these companies have the right to do so. So, for me it does not matter who collects my monthly payments. The company that originally had my loan was excellent and had awesome customer service. Upon receiving my notice of transfer I called the number on the notice to let them know I never received a notice from my original loan company and the gentleman who answered the phone hung up in my face while I was trying to explain that I wanted to know what was the next steps."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9bfcb7eb8a7b465da040ca435f255be4
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar purchased my loan and my escrow account has been messed up ever since. First they did not pay my fire insurance then they paid it twice. I have trying to get it fixed for 8 weeks and instead of someone looking at the account and making the adjustments they are holding my January payment until I cover the amount of the insurance payment THEY made in error.  Now they show me 30 days late with my mortgage payment when they have my payment. They should not be allowed to treat people like this!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f919a4d02916456ea5bc11a7ae5ea532
encoding: FLOAT32
metadata:
{"chroma:document": "First time ever doing a review for anything online, but felt I had to based on my experience with Flagstar. Based on the reviews I am seeing, this is a common theme. Had an issue when I refinanced, Flagstar sold my loan to another company when it should not have. Many other issues behind this and to be fair not all of which was on Flagstar in this regard. Called Flagstar, spent an entire morning on the phone, they created a case number, said they would look into it, said if I had not heard anything in a week to call them back. Did not hear anything for a week, called them back. The person who I talked to said there was nothing in their system, and did not have any updates. They said there was a note to have a resolution by tomorrow, and asked for me to call back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9c4d7183da8421fb26c15bc9d1fdc8a
encoding: FLOAT32
metadata:
{"chroma:document": "Deceitful management at FlagStar Bank, horrendous customer support and they don't even know how to keep a ledger balanced. Avoid this bank at all costs or you will regret it. When they purchased my mortgage the paperwork was screwed up (which they admitted to me in writing as being their fault) and they ended up sending me to collections despite the fact that I have paid in full each month, and have provided the receipts to prove it. Not only that, for one of the payments they double charged me and they couldn't send the extra money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcf50610f9d245df868c4868dc6085a4
encoding: FLOAT32
metadata:
{"chroma:document": "I refinanced with Flagstar Bank recently and my first payment was due November 1, 2020. I\u2019ve made three payments for November, December and January. All three payments have all posted to my Flagstar account timely. Flagstar began leaving me messages in late November requesting that I call back \u201ctoday\u201d but gave only a main number, where I spent 45 minutes getting through, only to be told it did not say on my account why I should call back. I began receiving past due statements, as well as collection letters. In more than 8 different calls to Flagstar, no one can explain why I owe any money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcb4b59a0ae547d5853f4b9594268860
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{"chroma:document": "I attempted to work with the Flagstar loss claim department for over a year regarding releasing my insurance proceeds. After responding to each reason Flagstar gave for not being able to release my funds, I was given another roadblock. None of my questions were answered and repairs due to Hurricane Michael have been delayed. My insurance proceeds exceed my loan balance and the only solution was to pay off the mortgage and find other resources for financing. I've been attempting to pay off my loan since the 1st of November 2020. Flagstar will not give me any information regarding the lumpsum payoff amount I was given."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbc1ae80e7ce438eabb2705daf0d1f55
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{"chroma:document": "Updated on 07/11/2021: My insurance company reimbursed me for costs incurred from the building code retrofit and upgrade and sent me a check for $27,700. It also had Flagstar's name on it requiring me to submit it to them. I sent it in a FedEx Overnight envelope with a PREPAID return label hoping to expedite the process because I have already been through 2 rainy seasons without my home and I am fast approaching a 3rd so time is critical.  I have furnished Loss Drafts Department with the receipts for the $40,000 that I spent from the check that Flagstar's Financial Crimes Unit sent me and the $15,000 that my former contractor bond company sent to me, I have furnished a draw schedule, estimate of repairs and details for each draw for upcoming repairs, and finally, I sent a copy of the building permit with the passed inspections for the roof... All of this is proof that I am more than qualified and can be trusted to complete my project. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a13742163104a469930ac24b1fe0b53
encoding: FLOAT32
metadata:
{"chroma:document": "For 10 years I have been divorced and have been trying to get my name removed from the mortgage that my ex was awarded 100% of all encumbers in our divorce decree. Flagstar has done nothing but give me the runaround. He has a year and a half of late payments, which show on my credit and I have no rights to do anything. He finally gets Flagstar to modify the loan and he and I were both told that I would be removed with the modification. Our divorce papers were provided, I was deeded off of the property and yet they didn't remove me. However, they modified the loan without my authorization. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cde77e88637e4dcf9d113ddd4e1195e3
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{"chroma:document": "I sold my house in October 2020 and I still haven't received the escrow check. For the past 2 months I called several times about this issue and each time today, I received the run around. Today when I called, Terry in the escrow department hung up on me after I asked to speak to a manager. I called back and have been on hold for 10 minutes. What is going on with this company?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 630073bb66614162a431896a2d52650f
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{"chroma:document": "Service is horrible. They admit to misdirecting a $30000.00 payment on 12/9/2020. they are currently holding the money in \"suspense\". They are now saying that they will apply the money by the 5th of January. In the interim they have drawn an additional payment from my bank causing me to incur overdraft fees. They wont consider refunding the additional payment (which should never have been drawn) until they redirect the $30000. They then are saying it will take 20 business days to issue the refund! I recognize anyone can make a mistake - the way you respond to it differentiates reputable institutions vs. the ones who take advantage of customers whom they know have no recourse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e0a2b94777949f9ac8d5e67684c4b22
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{"chroma:document": "I had a 15-year mortgage loan with Flagstar (the bank?) for about 8 years. Just like other clients, I did not choose this bank; the loan was sold to the bank when we refinanced our mortgage. With the recent interest rates drop, we refinanced again. After the Flagstar loan was paid off, the bank took a monthly payment from my bank account (another bank) on Nov 3, 2020. I immediately called (chat?) the bank and asked for the money back. The 1st agent said a refund check would be cut on Nov. 20. I wasn't happy with the response because another bank reconciled my loan on the very next day. I decided to wait because I wasn't in need of cash. But the check didn't come. So I called (chat) again around the end of Nov. The next agent told me that the check would be cut in the same week. I waited for it but the check did not come. I called the bank again on 12/8(?) and the 3rd agent said the check would be cut on 12/11."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a39f08683a8648079879744274e44d6f
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{"chroma:document": "Our loan got sold to them 9-2020---I sent them our tax bill because our county does not. It is up to us to do that--they paid our 1st installment but not the 2nd. Called 2 weeks ago-they said it would be taken care of--was not---our name was in the paper for not paying them--how embarrassing--so I sent the 2nd installment out of my own pocket-because they keep charging interest--we are going to do a refi--I do not trust this bank!!!! They lied to us and did not pay---now we are in the paper--shame on them and we had to pay extra $$"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f580ebc85a3c40d0894d22fe5cfa5beb
encoding: FLOAT32
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{"chroma:document": "This has by far been the worst Mortgage Company that I have ever worked with. I Have called them 5 times requesting refinance information after they sent me a letter in the mail. Two different people told me two very different things and the last guy I spoke with was very rude and aggressive with me. I even told him that I would move my Mortgage from them and he could not care any less. I will be moving my mortgage and am very disappointed in this bank and hope I never have to work with them again. Think twice before working with these guys. I still have yet to receive a follow up email with quotes that I requested 3 weeks ago."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f2ac24ca946484499eebdb522d141a1
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{"chroma:document": "Flagstar services our mortgage and escrows homeowners insurance payments. It failed to pay our homeowners policy, resulting in cancellation and now wants to charge us 2x for the policy that was cancelled. We've made many unsuccessful attempts to resolve this issue, so today have filed a complaint with the Massachusetts Attorney General. Stay away from this company if you can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8833fffe34c5468987e23a9066daa4e9
encoding: FLOAT32
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{"chroma:document": "Worst mortgage company ever. Loss Draft DPT does not trust its customers. Over 2 years ago my home was damaged during a hail storm. I did everything that was required of me to get my home repaired. Mind you, it was a long process. I had to fire the contractor (did not finish the repairs) and hire another contractor. I paid said contractor out of my own pocket. Flagstar knew this, yet still wrote check to FIRED contractor. I requested a new check in writing as required by Flagstar. That was 3 months ago. Crickets from Flagstar. CRICKETS!!! Wait, I'm giving crickets a bad wrap. They communicate better than Flagstar. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 260d511a03c349019fd25a2f20ed160d
encoding: FLOAT32
metadata:
{"chroma:document": "The loss draft department of Flagstar Bank has offered horrible service in administering the return of more than $1,000 that is owed to me. I first contacted Adam at ** more than a month ago in which he assured me that there was an error in how paperwork was categorized and I would receive my check in approximately a week. After the week had passed, I then followed up again, with an agent who I did not get their name, who provided a similar account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c331ff894c444145a72b259e78a37e35
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold without my knowledge to Flagstar. Was first made aware of this when a person without a strong command of the English language knocked on my door and wanted to talk about my loan. It was clear they were looking to verify if someone was living here and gain as much intel about the people living here and the condition of their asset. This happens monthly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91a41408854d4a0ca8eb6c54da7eb21f
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{"chroma:document": "They bought my mortgage loan and as with any buyout like that you have 60 days from the time it\u2019s bought as a grace period for no late fees or credit reports. I made my payment to my current mortgage company not knowing the loan had been purchased. I then received a couple of letters from Flagstar telling me my payment was late. So I called them to learn they had bought my mortgage and my payment would now go to them. So here I am being threatened by some bank I\u2019ve never heard of with late fees and credit reports even though I\u2019m within the 60 day window as they shared. The reason they gave to me for the threat was my payment increased but I had no record of that from my previous lender."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fecc8c1c7bac42dd9e0ffd6c2c0b1ba5
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{"chroma:document": "If only I could rate this dump a zero.... Let me start by saying our loan originator was amazing to work with. As far as his leadership staff and the underwriter, they were nonetheless a complete nightmare to work with (or should I say lack thereof). We initially started the re-fi process on July 23rd, 2020, they stated we were to close on August 21st, 2021.. then October 21st, 2021. Today is 10/22 and still no word of an exact closing date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfb18aa084864910b0d2990c2fbfd4d5
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{"chroma:document": "They slapped lenders' insurance on my account (had insurance the entire time) without informing me, therefore adding late fees and now has ruined my high credit score. They said they could not do anything about the fees after talking to numerous agents since September.... Horrible loan company. The worst I've ever had to deal with. Can't wait to switch!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b3d1ebe13534ee6b300a2efbde309e4
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{"chroma:document": "So I just had my mortgage purchased/transferred to this company. I had already been working with my previous lender to close (i.e. payoff) the mortgage next (November) month. Property taxes are October and didn't want to mess with that as I live overseas. I would wait till this year's taxes are paid from escrow. Well the letter from Flagstar shows up and I see all these fees - Payoff quote fee, Recording/Lien lease fee, doc preparation fee, amortization fee (fee to see how your loan amortized?). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2349dee7cf2b4d8abb63546ad64d7fb4
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{"chroma:document": "CENLAR sold my mortgage to Flagstar without my knowledge. I was only one month behind and working to get it brought up to current. Flagstar started calling and harassing me every single day even after having spoken to multiple customer service reps and explaining the situation. Then I get a letter stating I could go into possible foreclosure because they had in their system that I was 3 months behind on my mortgage which is completely incorrect! I have no idea how they have such screwed up information. I'm finally caught up but when I log in, it still states that I owe 2 months mortgage! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f89a4bd3452a40dcb49b695f92c4687f
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{"chroma:document": "I have been going through the refinance process for 6+ months and contacted multiple people at Flagstar but it's still incomplete. Reading through this thread I am seeing others endure the same experience. General feedback is 'Your application is being prioritized', 'COVID has slowed all applications', 'We're working on it and it'll be completed soon.' It's a painful, frustrating experience..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ddad8e63c294d0884453cbf0005b811
encoding: FLOAT32
metadata:
{"chroma:document": "We have our mortgage thru Flagstar Bank since 2012. Our homeowner's insurance and property taxes are included in our mortgage payment. Flagstar bank sends the payments from our escrow account when the payments are due. Our homeowner's insurance was sent by Flagstar on July 21, 2020. The homeowner's insurance company sent us a letter that stated that they never received the payment and that our insurance was going to cancel. I immediately called Flagstar bank and was told by Flagstar that the payment was sent and they would straighten out the problem with the insurance company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebd18cf4560a415f9d44214755af97da
encoding: FLOAT32
metadata:
{"chroma:document": "I wish there was an option for zero stars. My mortgage was sold to Flagstar without my permission. I didn't knowingly opt into a company that I'd never heard of. I recently paid down my mortgage to 80%. By all standards, I shouldn't be required to still pay PMI insurance. I have an excellent payment history, still maintain a high credit score, yet Flagstar refuses to remove the PMI payment. This is not a company that cares about people. Their only concern is putting every dollar possible in their own pockets. Look elsewhere for a mortgage. I promise, you can find better."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ca8dc500fa041a4a9c69347cb2e2da0
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{"chroma:document": "I've been trying to refinance my home since July 21, 2020. We are now at October 5, and I STILL have not received clearance from their underwriting team to close. 76 days so far. I keep getting told it's because of COVID and that they are backed up. I don't know about the rest of the world, but I am pretty tired of hearing that COVID is to blame for everything. Here's an idea... How about you hire more people to help with the influx of loans you're processing????"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23fdaa42d364444499b7b4b423a2bc44
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar bank's customer service is very poor. I had a financial hardship last year, and not only did they not call when they said they were going to, it became my fault. I was never informed the paperwork I had submitted was wrong and needed fixing, and every time I called it would be a few days for them to finish reviewing the paperwork. I called multiple times, and eventually due to the negligence of Flagstar the date expired for the maximum length to finish paperwork. Flagstar apologized and asked me to go through the whole process again. There is no way I would submit myself to 6 weeks of embarrassment that was deemed in the end to be \"my fault\", and with no guarantees that I would get my hardship recognized."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b590d8184ba41e5b49404262231c989
encoding: FLOAT32
metadata:
{"chroma:document": "What an ordeal! Started reamortization process with bank in July. Could not get approval for loan reamortization because the loan was not current, mind you, we have set up automatic payments with this bank and it is always paid on the 10th every month. Finally get approval for process to start after they receive this payment. Send the bank a large sum of certified funds August 7. They receive funds and cash check for bank fee of $300. late in August we still have not received approval."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe9815e1a94d41eb817afc783912a46d
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metadata:
{"chroma:document": "I thought I knew incompetence, but the word has now been redefined after attempting to deal with this company. Our original mortgage was sold to Flagstar Bank and things were fine as far as just paying our mortgage. Setting up the automatic payments, and manipulating them was simple and straight forward. We were contacted by a loan officer during Covid 19 to discuss possibly refinancing our mortgage. Rates were good, we had just done a full-blown kitchen renovation and thought this was a good opportunity to get rid of the PMI we had on our mortgage... So we started the refinancing process. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3044f655f89148e781ad063a7b726817
encoding: FLOAT32
metadata:
{"chroma:document": "I've had my mortgage serviced by Flagstar for several years. I've never missed a payment and have not had a problem till I decided to refinance my mortgage to get a lower rate. My mortgage payment has automatically been deducted from my bank account each month and includes the payment for my homeowner's insurance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b5e81f9824249bfb44d7252b3d0dd4e
encoding: FLOAT32
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{"chroma:document": "I found out the hard way not to trust an online bank to get a mortgage. We paid out of pocket 520.00 for a guy to come to our home on labor day to do an appraisal. He left off rooms in our home such as a huge walk in master closet that is a big selling point for a house and even our vinyl fence and compared our home to houses with no land or houses 3 times older than ours. He was NOT chosen by us but either by summit mortgage who we went through or Flagstar who they were representing and so appraised our house cheaper than it was worth, then tried to sell us into doing a interest only to be able to make our home improvements. This was a 520.00 hard lesson learned. Beware. Plus, the appraiser refused to discuss with me even though I was the one that paid him."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76e6750292a14a2aac75b35da707fa4f
encoding: FLOAT32
metadata:
{"chroma:document": "They are the worst wholesale mortgage company in the world. They do not answer calls, emails, or any form of communication. Worst lender ever. We have tried for days and days to reach anyone on the loan and there is no one there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad4804396dc54931b573233e943bd0ef
encoding: FLOAT32
metadata:
{"chroma:document": "Most of the mortgage paperwork was completed via emails. Some items had to be sent via USPS. Process was quick compared to the average loan closings.  Once closed I never hear from them. I would think they would stay in touch. Never know when I will need another loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77fcd01c4409408fb19a02f906f3eeeb
encoding: FLOAT32
metadata:
{"chroma:document": "Getting a loan from Flagstar is one of the most difficult things ever, and It takes forever to get things done. The loan officer has been asking same questions and request same documents over and over again even though we have explained or submitted several times. When we just started application, my husband is on the loan himself, and down payment came from my account. Both of us are on the title. The loan officer was informed and all bank statements are provided at beginning, and there was no problem at all. Then after a month (like 10 days before closing date), we were told that my money is not usable unless I become a co-borrower. Why couldn\u2019t you tell us sooner if the initial plan does not work out?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9136d0dc18414e658e87e50835382c18
encoding: FLOAT32
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{"chroma:document": "PLEASE FLAGSTAR get new phone reps!!! I have repeatedly had an escrow shortage from this company since 2018. My homeowners insurance was higher than normal October 2018 - Flagstar bank bought my loan from Chase mortgage in December 2018. I LOWERED my insurance yet all of my statements show the higher insurance premium when in actuality I technically only used 2 months of the higher premium before switching to the lower one. I have called on NUMEROUS occasions and ASIA is the rudest one of all. I spoke to her today trying to get an explanation as to why I changed my insurance to a 400$ cheaper one but I'm in a shortage of 561.32$ and per IL law you are only required to have a buffer of 2 months max and that comes to 499.66."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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metadata:
{"chroma:document": "I started to provide my loan documents at least two months ago and finally came at the stage of ordering an appraisal. The appraisal was done at least 10 days ago and the report has not come out, but I am supposed to close within 10 days. What a nightmare!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14ee704204494dd6b43ea76bd7a6668a
encoding: FLOAT32
metadata:
{"chroma:document": "RUN! RUN and find someone else to handle your financing. I have had the absolute worst experience with these people. They are shady, charge all kinds of unnecessary fees, do not follow up and lie. Sandy ** who is mentioned in another review thinks you work for him. He will do nothing, try to justify costs that you question or avoid them, basically identical to the other review. I should have run the day I called because I asked him to write up an estimate showing me different payment options with buying points, etc. He said he was \"too busy to do that\". TOO BUSY TO HELP A PROSPECT. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I recently decided to refinance my home. For weeks I have been unable to get hold of Flagstar by phone, chat or email. I made about a dozen phone calls over a week; about half were ended by Flagstar after several minutes on hold with a statement that I should leave a message. Other times I stayed on hold for up to 45 minutes with no answer then I chose to leave a message. They don't call back. When you select \"chat\", you find that nobody is available. They don't have an email address posted on their website. In frustration I sent a snail mail letter to the CEO requesting that someone contact me. I got an email reply from one of their admins thanking me for the letter as it would help them improve - nobody contacted me. An awful awful bank. DO NOT USE FLAGSTAR if you ever want to communicate with your banker."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bdaeb8c008b34ed1bbf1630fea8a249d
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{"chroma:document": "I have an existing mortgage with this Company and trying to finish a refinance, I have had nightmare more pleasant than this process. I completely understand and I am sensitive to the fact this is a weird and crazy time. However, it isn't an excuse to treat your customers poorly. Here is my experience: The start of the process was super quick. I received my appraisal back and was getting ready for my final approval and closing within 45 days. Then the processors were sending the title work to the title companies incorrect emails address and it was sent back 3 times. I called the title company and was able to resolve the issue. Get the information to the title company and they finish the process within 3 days. I am guessing this upset the bank, they don't enjoy speed. The longer they could keep my paying the higher interest rate they are putting more money in their pockets, I am worth more at a 5% Interest rate at 30 years than I am at 2.6 at 15 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29daa4f59a1e448cb5956aa9e8cfc587
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{"chroma:document": "I was hospitalized for over 1 month, INCAPACITATED and was 15 days late on 1 payment. I sent several faxes to their dispute department and STILL have not heard 1 word back. WOW, I am shocked at the level carelessness Flagstar Bank has for physically ill customers. Not to mention I'm a NYC healthcare worker and have been traveling to work DAILY. Thanks for nothing Flagstar."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab673f8a8ce64ace9b0d4b769dcf238c
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{"chroma:document": "Flagstar does something that I feel puts the lives of their account holders at risk. They will shut off your access to funds without contacting you. I had my access to my account shut off this weekend for \"security reason\". The issue, I tried to buy some subs from Jersey Mikes online. Ridiculous!!! No one contacted me. They just froze my account and let me figure it out on my own. What if I was at a bar or restaurant where you have to pay after the service. What if I was traveling alone and need gas in the middle of nowhere. They cut off my access to money and just assume I'll figure it out and call them on Monday. This is a horrible policy and should be ended. I am done with this bank because I have no confidence when I step up to pay for something that they haven't locked my out of my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9dc6054230c14359b659f04ada58b982
encoding: FLOAT32
metadata:
{"chroma:document": "This is going to be a LONG review but I want to be sure y'all understand who this company is! Run, fast and far as you possibly can for you and your family's own good! This company is nothing but scum!! Here we go... My husband D (shorten named not important) is a Veteran of the United States Marine Corp. Nov. 2017 we closed on our first home we built together from the ground up. Shortly after closing on the house we were sold to this horrific company (and horrific is being mild!). Everything was going well. No issues at all. Until our daughter started having weird medical problems, we could not figure it out. Hospital trip after trip (via the 911 Ambulance), ER visit after visit. We finally know now what was going on with her, but in this process we got 1 month (THAT IS RIGHT 1 MONTH BEHIND). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72a9a2e8976f409aa9077699ed8b562b
encoding: FLOAT32
metadata:
{"chroma:document": "Home was paid off in full last month but much to my dismay, Flagstar received another full mortgage payment this month. Spoke to Marie who stated that Michelle had made an error and had never disclosed that I had used my escrow balance to pay towards the total amount due. Marie spoke to cash ops and requested that I receive a same day wire transfer and it was approved. Much to my dismay, no money was actually deposited in on Friday and now it\u2019s Monday, and still no money has been wired in. This company is terrible and I want my money back ASAP. Very infuriated and upset at how this company operates. Keeping money that is clearly not theirs and stating that I owed money still."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b8412a0b94d4114854c34d2273f1180
encoding: FLOAT32
metadata:
{"chroma:document": "I am extremely unhappy and frustrated with Flagstar, our mortgage lender. They changed my loan status to forbearance completely without my permission. I was shocked when I received a letter stating my mortgage was in forbearance. I called them right away, 3/31/20 and explained that this was some kind of mistake. I wrote down the name of the person I spoke with and everything he said. He assured me he would take care of it and take me out of forbearance. I just figured people make mistakes, so I let it go. However, I noticed a couple weeks ago, June 2020, while paying my bill online, that my loan status still said FORBEARANCE. I could not believe that this was not taken care of in March when I called, as I was told! So I called again, talked with a supervisor, John, on 6/22/20, who assured me that he would send me a letter stating this was Flagstar's mistake, I never authorized a forbearance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c47ff89cbc084b26b19db0241cb8a4ec
encoding: FLOAT32
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{"chroma:document": "We started the process pretty standard. Then after all was processed in a couple of weeks we waited 2 months to close! Kept requesting documents already sent, loan disclosure was incorrect multiple times with missing $$ amounts, would say via email they would call to schedule closing in a few days. This went on for 2 months! Meanwhile we paid 2 mortgages and interest! Closing day came and no documents to sign. The notary tried to call Flagstar document person (LaDora **) and got no response. The same woman never returned my calls the entire process as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 473ed768ccfc43eea66aa9fc05a3ccdf
encoding: FLOAT32
metadata:
{"chroma:document": "Our mortgage was sold to Flagstar bank, so we have a current mortgage held by Flagstar. When mortgage rates dropped we contacted them to see if we could refinance our current mortgage and also a second property. Initial conversation with Tami **, loan officer was good. She was very friendly. We set up our refinance portal and provided the required documents. Communication and return responses deteriorated soon after the initial conversation. We were told to use the portal inbox for any questions. Our questions were either ignored or it would take a week to get a response. We called and left voice messages and our calls would not be returned. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0420ccc83164c358cd923055eed6ff5
encoding: FLOAT32
metadata:
{"chroma:document": "I am furious! They bought my loan after my re-fi and they didn't pay my homeowners insurance. I got notice from Shelter that is was past due. I called Flagstar on Monday June 22,2020 and the agent promised that the payment would be sent and received by Shelter by the 25th. So Friday, June 26th 2020 my agent called to let me know that the grace period had passed and I was no longer covered. Fortunately I had enough money in my account to pay for one month. Mind you, this is in the middle of a pandemic when money is short, Storm and hail season and people in the neighborhood are shooting off fireworks from dusk till dawn. I called Flagstar and the agent was nonchalant, unsympathetic and rude. I wasn't speaking to her in a rude manner or anything like that. She said it would take 7 to 10 days to reach them. If I can make a payment for my mortgage online in 1 minute, why can't they do that instead of snail mail. Avoid this company!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3f7ccb2c89b464fa431f6a3b7defcc4
encoding: FLOAT32
metadata:
{"chroma:document": "I cannot contact them. Every time I call I get lost in an endless automated phone system. Regardless of the time of day I call or the options in the automated system I choose I either hit a dead end or get hung up on. If I try to use the chat system it either errors out or says \"Agents unavailable\". They don't list an email address. I may end up having an account maintenance conversation with them via postal mail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83be99d162834e34900a56ed49c73760
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a refinance with my current mortgage lender, Flagstar Bank, where my loan had been sold 2 months prior. The folks I spoke with for the application and processing were certainly kind and I was pleased with the rate and cost. From that point forward I provided all requested documentation and was amply qualified with high credit score, assets, loan to value and excellent debt ratio. I was conditionally approved. Then I provided additional documentation and fell into some lender black hole. I was delayed, not responded to, basically ignored for the last 3 weeks of the 60 day lock while the \"Lender\" was to blame. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72f631616a334c2a8bd02e53ac2d8bec
encoding: FLOAT32
metadata:
{"chroma:document": "It took 5 MONTHS to complete the refinance. Enough said. From an outside perspective, it seemed that underwriting was the black hole that poisoned the process. The loan originator was awesome. As soon as he handed the application off, the process quickly deteriorated. The loan processors seemed unable to drive the process to completion and were at the mercy of underwriting. However, there were times that they also dropped the ball. In sum, the process was a hot mess - completely unprofessional and unacceptable by any measure. We've been through a lot of mortgage origination and refinancing transactions and this was, by far, our worst experience in 30 years of financing homes. Never again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab091a4a8d394365bc3c55e44036bdc8
encoding: FLOAT32
metadata:
{"chroma:document": "In my opinion this lending institution could do better when it comes to training. Call 1 - go online and pay off balance, it\u2019s that easy. Call 2 - we had interest over the time the payment posted. Call 3 - that\u2019s not our process, payoffs need to be wired. Call 4 - more interest. Call 5 - that\u2019s not our process, they need to notify the loan payoff dept (the option selected each time in their call in system). Call 6, escalated to 3 different reps and I\u2019m still unsure of the results. With the above, I simply can not recommend Flagstar."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ded5dde4d7154e18bedbe729618365aa
encoding: FLOAT32
metadata:
{"chroma:document": "I have nothing positive to say about the Loss Draft Department! My home was damaged from Hurricane Florence in Sept. 2018. Unfortunately my Mortgage was sold to Flagstar January 2019. It has been a nightmare trying to get issues resolved with this department. I am trying to get money disbursed to my Licensed Contractor. Flagstar received $156,566.70 from USAA insurance company. I have spent HOURS on the phone with customer service! I never receive call backs from Supervisors and Never receive response to my emails!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eec2e4aa88dd4f26a6789e23cfb8afd0
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold to Flagstar almost two years ago. Their online platform is great to work with, but the employees can't get it together. Flagstar was supposed to renew my hazard insurance from my escrow account. I sent them the documentation for renewal in February. They didn't renew it. I called and sent it again in March. They didn't renew it. My insurance was canceled. I called again at the beginning of April after they threatened to buy me insurance for over $1,900 (my policy cost $127)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d675671c375b4044a47a7a7531fb4da7
encoding: FLOAT32
metadata:
{"chroma:document": "I never signed up to go through Flagstar. We were sold to them. Never late on a payment. Then during the COVID-19 pandemic. We had sustained severe wind damage to our home. They were the worst company to do business with during these difficult times. Every time I called and wanted to speak to a supervisor, they claimed they were in meetings for 3 hrs. Would never call back. I already received my insurance check, but to get our home fix to prevent further damage they were unwilling to help. DO NOT HAVE USE THEM BEWARE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc12af7cb0df4d7fac9d6f9a4958f96f
encoding: FLOAT32
metadata:
{"chroma:document": "Had an insurance claim this past January. Had to wait for months due to covid19. Finally got a check from insurance to make repairs. Had to send it to Flagstar. 7 different agents, no one had the same answers. Still have no answers. Horrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0fa1b5f9f734c5ba139939ca49cf5df
encoding: FLOAT32
metadata:
{"chroma:document": "Complete incompetence. I would follow their directions explicitly for forms and payments. I would speak to customer agents who had no clue of their own rules. I would have to prove things to them over and over. In the end, I was successful but I truly believe it is all part of making things difficult so you just give up. Run away from Flagstar. Their mail is obviously backdated. My mail reached them in two days - theirs averaged over 12 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d75c424dcdb147c5a3b128c987674cac
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar took over servicing of my new home loan. I made my first payment to the original lender, as directed, for April 2020. Flagstar apparently purchased the loan the same day (March 31) my original lender cashed my April payment. Flagstar now refuses to provide a credit for the payment already made. I spent more time then I would like to admit dealing with these people yesterday. When they left me a telephone message today, I naively believed they'd be letting me know they made the proper adjustment. WRONG! It was a collection call stating that today was my last day to make my April payment without a late fee. I hung up on them. It sickens me I will be dealing with this company for years to come."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 031657b73c0d4f818a51e4457d30582a
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar Bank purchased our loan from SLS. During the transfer we attempted to make our first payment to Flagstar. We were not able to because our account was not set up yet so that the payment was not late. We sent it to SLS. Needless to say Flagstar insists that we are a month behind. I have sent documentation on top of documentation only to hear, \"We have not received it.\" So every month is a battle with them when we make our payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39642c9434ad46c9a7ad67952012e7f1
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage transferred to Flagstar in December 2019. We were enrolled in biweekly payments with our previous lender. We enrolled in the same program with Flagstar. We received a confirmation letter from Flagstar regarding our ACH withdraw. No payments were withdrawn as we expected. Upon calling Flagstar, we were informed that due to the changeover, we were no longer a month ahead on our payments. This is required to make bi-weekly payments. We were told we had to pay the full mortgage for January (which we did) and another full payment by February 15th, at which time our payment would be automatically withdrawn. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 351a993ebbff41c98aed3b8e203da000
encoding: FLOAT32
metadata:
{"chroma:document": "We refinanced with Flagstar in 2010 and it was a wonderful experience. They came to our home for the settlement. The payment automatically comes out of our checking account bi-weekly, which allows us to pay the mortgage off sooner. We have never had a problem with this company, no problem with lost payments, misapplied payments, etc. I would highly recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2cc0df3bb17c413d98357d2862bff076
encoding: FLOAT32
metadata:
{"chroma:document": "Easy application process, good interest rate. Easy to use phone system. Auto pay is easy to set up as well. Very competitive with other mortgage companies. I would recommend this company to others. Everyone is very polite and helpful if you have any questions or problems with your loan. Great people to work with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e6a705029734bf48d456545473397d4
encoding: FLOAT32
metadata:
{"chroma:document": "Issue #1: Flagstar initially wouldn't even close on our loan because the chimney needed repairs, but due to the cold weather you can't do concrete work in the middle of winter in MN. It took several phone calls, inspections, proof of EVERYTHING to get past that. Issue #2: The seller escrowed thousands of dollars to get the chimney repairs done when the weather permitted. We had the repairs done asap, and Flagstar would not release the funds and pay the contractor. I lost count of the number of phone calls, emails, etc. and how much time I wasted talking to Flagstar, but it got to the point that the contractor was sending our bill to collections. I had to ask my local bank to contact their Flagstar rep to look into the situation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a999371f863143819e8475af2256b19f
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar purchased our loan just after closing. My home was post to Hurricane Florence in 2018. My payoff check was sent to loss department at the beginning of 2019. In December of 2019, we requested a payoff of the loan since the home was a complete loss and there was not enough coverage to rebuild. We have had MULTIPLE conversations requesting the payoff be completed. We continue to receive the excuse that the payoff will be expedited by a supervisor. It is now the end of February and after another phone call today we are considering hiring a lawyer since Flagstar can\u2019t seem to understand that they have the money to pay off the loan and they are still giving the excuse that a supervisor will expedite the payoff. Enough! My credit report is being affected and this situation is continuing. Lawyer time!! These people are absolutely HORRIBLE. I didn\u2019t even ask for them to be the mortgage serviced. My loan was sold to them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 710b4799be5b417d8a0a7c47ae082886
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage loan was recently sold to them. I have tried on 3 separate occasions to set up autopay. They have some convoluted reasoning for when this can be set up. You can not just set it up, you have to wait for a certain time frame in relation to your next due date to do so. I ended up with a late fee after the payment was not processed through autopay which I\u2019d set up. I set it up again, double checking everything only to find out again, this month, it has not gone through. My mortgage payment is number one priority. I\u2019ve never been late on a rent or mortgage payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18f6c2ee8ff44b8e8282c87c69c0bf58
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage has been sold 3 times in the past 3 years. Flagstar was the 3rd. Right from the get-go I started receiving collection calls asking me for my personal information. The agents there are rude and disconnected. They could give two sticks about you or your complaints. Recently separated from my spouse, I was struggling to keep afloat, and right in the middle of a Loss Mitigation claim, Cenlar sold it to Flagstar bank. They took over my loan in December, and unbeknownst to me, was set to foreclose in January! I had to get my VA Mortgage Rep to stop the foreclosure and auction that was scheduled to take place in 4 days! They made me pay over $5000 in lawyer fees and penalties along with 11 months of mortgage payments! Over $16,000 I was made to come up with in 10 days! Did I let them take my house? Hell no! I came up with the money, (I have great In-laws and friends) and got my house out of foreclosure."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb94a6b40e904b72aee6c0bfca212829
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar Bank charged $30 to email, fax or text a document to customers or other businesses. No other mortgage company has ever charged for this seevice. I had no choice as my mortgage was sold to them. This should be illegal. They are gouging the customer. When you talk to the customer service they will not help the customer. Only say what the costs are. This is an impossible company to work with. Get away from this company as soon as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11697c7f1069411b83ee97ff9f785504
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar purchased my loan. I did not ever ask to do business with them. Flagstar requires that I pay them every month and a portion of my monthly payments are placed in escrow to pay property taxes and homeowners insurance. In June 2019, I changed homeowners insurance carriers. In June 2019, I contacted Flagstar and instructed them specifically not to pay the renewal of the Federated National policy and instead to pay the new carrier St. John's. They acknowledged receipt of my instruction and assured me they would not pay Federated, and that I had given them more than sufficient notice for them to comply with my instructions. Nevertheless, Flagstar disbursed from my escrow account contrary to my explicit and clear instructions and paid both Federated and St. John's, causing a huge shortage in my escrow account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e063dd174984c7e9d42b407812f260a
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage with Flagstar Bank has been paid on time since first approved in April, 2019. The past 3 months, I have dutifully paid strictly within the grace period, only to find my very excellent credit score (in the 800's) reduced by 100 points as my payments are branded as delinquent. NOTHING HAS BEEN PAID PAST 30 THE DAYS DUE, THEREFORE NOTHING IS DELINQUENT yet it's scarred my credit report and dramatically reduced my FICO score. I believe it's illegal to flag my payments delinquent when no 30 days past due. I will never do business with this bank again and regret the day I signed on with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4fa9154e0d441f684f1368772a96aed
encoding: FLOAT32
metadata:
{"chroma:document": "This was feedback that I just was submitting to Flagsar live chat... but I think it works pretty well as a review here. You guys have a great website, and seem on the surface to be a very professional company... but you have so many mistakes in customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef349250a4b84254b77578b53fbceda3
encoding: FLOAT32
metadata:
{"chroma:document": "We were selling our home in Long Island and the buyers chose FlagStar as their lender. Due to negligence and incompetence on the lender's part it took over three months from date of contract to date of closing. Lender asked for three extensions in order to finish paperwork. Twice they advised that closing documents were going out and both times this was not the case as documents were never sent. Closing date was given and the day before lender advised all parties that the loan had not yet cleared underwriting. As a result closing was postponed. After repeated inquiries the buyer's attorney was told that paperwork was being held up because the loan officer had been out sick and nothing had been done with the file. It was only after repeated inquiries that after three months we finally got a closing date. We would never recommend this financial institution. We feel they were grossly incompetent and unprofessional in the handling of this mortgage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 245445ab515e4754985b3456097f0bd9
encoding: FLOAT32
metadata:
{"chroma:document": "First of all my mortgage was purchased by these monsters and I was never notified, no goodbye from one company and no welcome letter from the other. I was so surprised when I started getting collection calls from this strange company that told me they would record that I am difficult and uncooperative. I was like, \"And who the heck are you??? What is this? Collection call for and you just took over my loan without even introducing yourself.\" Well I ended up telling Mr. rude and nasty that I was going to contact the Attorney General and see if something can't be done about the horrible way this company does business. As a first time homeowner I am terrified that this could be happening to all of these people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 662ecb4c589a4272846b3df4f62e92d3
encoding: FLOAT32
metadata:
{"chroma:document": "This is an atrocious lender. Quicken sold my mortgage to this bank. These folks, on their own, decided to increase my mortgage to reflect their expected increase in my property tax, for 2020. They decided I would get an increase in property tax and just pegged that $130 additional to my loan payment. My property taxes went down dramatically. In effect these people are insisting on $550 more per month than my actual taxes. I did the running around to go get that tax bill from my township. Something that I believe the lender should have to do. I shared that property tax bill with the Flagstar property tax department. They contacted me: asking me to clarify who I was. (I sent an official bill, from my documented email address, with my address, lot number, and name.) What do you do with that?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d84b85c2fc0f4571916b6363891f5a79
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was bought by Flagstar. During the transfer, there was an issue with my escrow disbursement and some money went missing (long story short). I've been contacting them for about 17 days now and every time I call them, I'm told a different story on the pending process. First I was told it would take 5 business days, then 7, and now 10. It's been a couple of days past the 10-day mark and they provide zero insight on the progress, other than \"its still in progress\". Every single person I have spoke to at Flagstar have done nothing more than the bare minimum in regards to customer service. I question why they even have this department if they don't train these individuals to do their job."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a70e61c1a9644ca6874c732d0a10b1ad
encoding: FLOAT32
metadata:
{"chroma:document": "Shortly after closing on my mortgage, my bank sold the loan to Flagstar. From the get-go, I've had problems. First, they blamed my local bank because they couldn't get withdraw the payment. Then they blamed a software upgrade, then they blamed me saying I gave them the wrong routing number and when I told them that's public information and even IF I did give them the wrong number (which I didn't), they changed their tune and said it was because I gave them the wrong account number. Yeah, I've only been a customer at that bank for 31 years and suddenly I don't know my account number. So the payment ended up being late and they charged me a $75 late fee. Then gave me a confirmation number. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0dcc439b6b145b5aefb73cc63a4f5d6
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar purchased my loan and 4 days later I sold the home. The title company sent the money to the old bank and they routed it to Flagstar. After 30 days and about 25 call's the money was found and posted to my account at Flagstar. I was told many times by Flagstar that they were posting the payoff as the date received by the old provider. Well once all was said and done, they posted it 20 days later and I am out almost 1k in daily interest. They said I could not have been told about posting of funds on the date received by the old provider. I have names and dates, but they are not listening. I would never use them or recommend them. These people are modern day thieves and there is no options for the victims. I hope President Trump is watching these people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11cd6e83f8544b19a557f72bae6ba89a
encoding: FLOAT32
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{"chroma:document": "July of this year our mortgage was transferred to Flagstar Bank and on September 11th I received a letter in the mail stating we were in an AE Flood Zone which required insurance and that I needed to show proof of insurance, or contact FEMA for a LOMAR letter. Immediately I contacted Flagstar Bank and explained that we were not in a flood zone and could send them over documentation (Appraisal, Flood Determination etc.). The representative said that they wouldn\u2019t accept it, but I could,\u00a0and to contact FEMA, which I did immediately after hanging up with her. FEMA told me to go online and fill out my information and upload documentation and said it will take up to 60 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d72f58a49cf4b3b9aa71ee800cffe64
encoding: FLOAT32
metadata:
{"chroma:document": "I saved .5% if I agreed to an automated clearing house (ACH) account. It was seemingly impossible to get money into this account, even with the supplied debit card and numerous calls to customer service. Flagstar reported me to Chex systems for account abuse. They should report themselves and their own bad advice. I WANT to make my payment, but had so many false assurances that hurt me and can actually ruin me financially. I thought I was alone, this is happening! This is bank fraud! I had a FICO score of 827 and nearly $200,000 in the bank at the time. I was happy to make my payment. This stinks, it stinks bad!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a38c53c3e9a347d7a4ecfb24701b71c4
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{"chroma:document": "Literally the worst bank ever. A multitude of issues that ranged from not being able to deposit a check over $1000.00 from my husband's employer to not being able to cash a cashier's check that was from their bank. I finally decided to end my relationship with them. I closed my account in early November but just received a letter in the mail that my closed account was \u201ctemporarily reopened\u201d early December (more than 30 days after it was closed) to allow a transaction that I did not authorize to occur. To add insult to injury they charged me $36.00 for my account being overdrawn. Stay far away from this place."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11f1c0dd11294c8a97efb5e6882dcdfa
encoding: FLOAT32
metadata:
{"chroma:document": "Why would you CALL ME to discuss my loan application only to tell me all loan officers are busy helping other applicants, then put me on hold, then tell me you don\u2019t have a loan officer available to talk to me then never call me back? Totally unprofessional."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6c2b8b9d7914010a76ef611dd009906
encoding: FLOAT32
metadata:
{"chroma:document": "They took over my mortgage and it\u2019s been hell ever since. I had one rough month and could only pay half my mortgage payment... They never applied it to my account for several months. I continued to make my regular monthly payments and still continued to get harassed about the missed payment. I explained the partial payment and told them I would have the other half at tax season...couple months away. Instead they continued to harass me. Mailed my partial payment back and took service charges from the amount I paid. They had me do a mediation which lowered my payment and got me back on track however that lasted like 3 months because the morons didn\u2019t calculate escrow and insurance which put me in a shortage and now to make it up my payment is higher. And god forbid if you're one day over the first of the month making the payment. They will leave nasty voicemails about collecting a debt. Hate this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9985da1e3c464a5f9006857dd674e193
encoding: FLOAT32
metadata:
{"chroma:document": "Our mortgage was recently transferred to Flagstar Bank. Just tried to discuss mortgage with a representative and was told she had to speak to my husband. We have had a joint mortgage for over 50 years as it was set up and never have I had to put my husband on the phone to access my account. Do they not know this is 2019? We are in our seventies and now they dare tell me it\u2019s his account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94ed0e22574c46f6a371b697908146f3
encoding: FLOAT32
metadata:
{"chroma:document": "Flag Star Bank was unable to find my last mortgage payment $2420 so we received phone call from Collection Department. After 45 minutes conversation they understood mistake and recognize my payment in mortgage section. What bank is it who is losing $2420 from file? Garbage!!! FlagStar purchased my mortgage 3 months ago and is charging us more than previous bank but it is illegal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c235677dcfe47ffb0125c4457e789fa
encoding: FLOAT32
metadata:
{"chroma:document": "I needed Flagstar to endorse an insurance check for a replaced roof on my old house that I am selling. I paid extra to mail it quickly with a self addressed return envelope with tracking so that I could get the check to the roofing company before the closing date on my old house. Several weeks went by and I began getting nervous wondering why I hadn\u2019t received the endorsed check. So I called, and after four phone calls, learned that they had received the check, but didn\u2019t endorse it bc they didn\u2019t have verification from my insurance company (that I was not told that they needed when I called to make sure I was mailing them everything correctly). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63560be389e54a7ca75ad0831805d9da
encoding: FLOAT32
metadata:
{"chroma:document": "I was easily given a pre-approval letter. I was initially told that I would not have to put any money down. After weeks of runaround, I asked how much do I need for a down payment? Again, constant runaround without real answers. The closing date passed. I had to immediately seek an alternative lender who very rapidly approved the loan. Flag star bank took a 550.00 appraisal fee without working to approve the loan. I still have NOT received a refund. They also want you to send personal information via text which resulted in my identity being stolen. AVOID LIke the PLAGUE!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b527685d3c5e4647aae94b6b4ba735a6
encoding: FLOAT32
metadata:
{"chroma:document": "I did not choose this bank. When we bought our house our first had to be through them and a heloc. I am in Calif and there are no Flagstar banks here so everything must be done online. Our first was sold to another company but our heloc remains. First they made us set up a checking acct with them so the heloc could be auto paid from that account. So everything I do has to be online. Every time I try to log in to their website it tells me my password is wrong. I always write down my passwords. I have had to change it every time I log on because it does not recognize for some reason.. Also in order to fund my checking account there I need to transfer funds from my bank here to them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee0a4c72d5ce41dfaba729029c7ec585
encoding: FLOAT32
metadata:
{"chroma:document": "I get a letter from my mortgage company that they sold my mortgage to these people. I call the number they gave me to set up payments. Automated system says hit 1 if you received a letter your mortgage was sold. I hit 1. Asks for old loan number and last 4 SS. I put it in, over and over. Finally hit zero. Zero. Zero. Etc. Lady comes on and I tell her it's saying my loan and SS doesn't match. \"Okay, Mam. Well we don't have your loan until 12/1.\" I said, OK but how do I set up my payment due on December 1? \"We don't have your loan until 12/1 mam.\" I say Okay, but my payment is due on 12/1 and the letter says call to set up. The lady is louder. \"Mam. I told you we don't have your loan until 12/1. It's not 12/1 mam. Call back after 12/1. Got that. After 12/1.\" Rude, rude, rude. OMG. What horrible customer service! This may be a good time to refinance!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd0591f0edcf4c9eb1990ab3ad193235
encoding: FLOAT32
metadata:
{"chroma:document": "First, I did not choose this bank nor will I ever. Our loans was purchased by this terrible bank. It starts back when I got an insurance check for my room to be fixed. The check most be signed by the bank that has the mortgage and that would be Flagstar for us. So I send the check off and the paper work needed for a check of a fairly low amount. After, over TWO WEEKS I get the check returned UNSIGNED and a packet to fill out including a request for a notary. I call them and after a twenty minute wait I get someone who then after ten minutes says I don't need to fill this packet out since it is under a certain amount, just like read online. This process goes on for over two months before they finally signed the check and got it back to me so I could get the repairs to my roof done. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c32c150452f54ad38f6626c1c15891f9
encoding: FLOAT32
metadata:
{"chroma:document": "My Umpqua loan was recently purchased by Flagstar. I have never missed a payment in my life. You immediately start getting calls from the flagstar collections department after the transfer. How insulting. Not appreciated Alessandro P. DiNello - this is bad, thoughtless, careless business and not appreciated!! Patrick **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa48fa7e57fe40a98ae9fd07073d2ba2
encoding: FLOAT32
metadata:
{"chroma:document": "I have been disrespected, treated rudely, threatened with legal action, forced to sign a document under duress, literally lied to and harassed by the Bank Manager of the Brighton Flagstar bank. I received a call at 2pm and was told I had to come sign a document by 6pm or legal action would be taken. I was given no time to contact my lawyer. They also accepted supposedly legal documents without any follow-up. And - they would tell me one thing and then the next time tell me something else. They also will not tell you who their legal person/department is so, your lawyer can't contact their lawyer. Please - do not use this bank!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7aedeed1bf5f42bf8a4c45291ea9337b
encoding: FLOAT32
metadata:
{"chroma:document": "I got charged $15 for no reason, I made the payment as usual on autopay. My mortgage is $5128 and they keep sending me to the collection department. I have a 783 credit score. I'm not ** up my credit for $15. I wonder why I'm refinancing with Chase Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58175a672d8d4ef0add1428e9a2835d3
encoding: FLOAT32
metadata:
{"chroma:document": "I like to round up and partial pay my $1956 mortgage into $1000 payments every two weeks when I get paid. Flagstar does not accept partial payments. What bank can't accept a partial payment? Ludicrous. Wish my previous mortgage company never sold off my home loan to a company who can not get with the times and accept partial payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6e7d5aca2ea4d388cf7f49cbb17a161
encoding: FLOAT32
metadata:
{"chroma:document": "We have now had a short sale request with Flagstar since Nov. 2018. Multiple buyers have come and gone. The last offer sent in 2 months ago along with updated UBAF. I have requested the file to be escalated. Was told they will get back in 48 hours? I have asked a Manager call back. ZERO CALLS in 6 request. Today I was transferred 4 times, CS, Collections, back to CS and back to collections. I am on the phone right now and each time the same thing. Yet no manager is available. Once again no new updates. I asked what was the last updates, transferred again. Do they fall under any CFPB guidelines? Are their calls monitored? THIS IS A JOKE. I would be more detailed, but all I need to do is listen to the phone call. Filing a complaint with CFPB is next step."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3311bdab238947b897bdcea2c8b3ea51
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar bought our mortgage loan during the process of a home insurance claim. The repairs are complete and I'm trying to get the insurance funds released to me, but the service is among the worst I've ever experienced. Every step in the process takes weeks. They won't call me back, they said they are inbound call center only and it's my responsibility to call every day and check status. Then they say they are waiting for some documentation they never asked me for. When I email something in, I finally learned to ask for confirmation, which they do, and say they'll follow up with status, which they never do. Today, after two months of back and forth, I finally asked for a supervisor and they said they'll put me on a call back list and I should expect a call within 2 business days. Ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd24f1f9e6a144f691a44151041832af
encoding: FLOAT32
metadata:
{"chroma:document": "Check the BBB reviews! DO NOT DO BUSINESS WITH THIS COMPANY! They are so bad they don't even deserve 1 star. On-going issue that I have spent 4-5 months trying get resolved. Each phone call last an average of 45 minutes, every time they say, \"Call back in a few days to check on the status\" and every time I call back, they say, \"There are no notes in our record!\" All because they purchased a flood insurance policy on our property even though I sent in all the proper documentation multiple times showing that we are NOT in a SFHA. I even poke to a manager who claimed she was escalating the issue so it would be resolved promptly but when I called back, NO RECORD of the conversation. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 475f3816ab0243448732965fd75ad3b8
encoding: FLOAT32
metadata:
{"chroma:document": "In June 2018 I had hail damage to my roofs through the winter and spring. I had all of my roof repairs done, paid all my contractors in full, provided all the receipts and all the paperwork including release of liens. Documentation was submitted over three months ago. Every time I call asking for my money I get a different answer but the best answer I got was their representative claiming he doesn\u2019t understand why they have not released my money in full because all my paperwork is there. Needless to say that still is not resolved, they haven\u2019t sent me any money. As I told him, \"Are you stealing my money because it\u2019s not your money, it\u2019s my money and I want my money.\" He says he understands but there\u2019s no answer other than the same guy that says I should have my money, understands my frustration, but I still get no results."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b9dcfb8c76c4ea29413b8727e6e92d5
encoding: FLOAT32
metadata:
{"chroma:document": "Incompetent, dishonest, shady all these words could be replaced in the dictionary with \u201cFlagstar\u201d. After being a loyal customer for nearly 20 years I was treated like trash when one of their tellers withdrew money from their GL account instead of my own like I requested. It took them a month to realize their mistake, then they tried to charge me overdraft fees. After I was forced to take an unpaid day from work and waste gas to straighten the mess they created I was met with a rude soulless golem of a branch manager in Canton MI who not once apologized for their mistake. You\u2019re better off burning your money than letting these incompetent arrogant unapologetic crooks handle it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 913ed7eda15c4d62bd7f9fd0e3c224b4
encoding: FLOAT32
metadata:
{"chroma:document": "Returning from vacation we found 3 inches of water on the 1st floor. It only took EIGHT DAYS for the cleanup crew to remove drywall, hardwood and dry out the house, Our insurance agent did an assessment and we had a check in hand to start repairs all within 8 days! I sent the check to Flagstar for endorsement Aug. 27th using two day overnight mail. A week later Sept 6th the check is still sitting in their mail room unopened. By the time the check is logged deposited and funds sent to the contractor it may be another Two weeks. As we are in a hotel, Flagstar's lack luster performance really needs a makeover. I understand back procedures but when Flagstar's own procedures/people bog down the process for its customers, we have a problem. Regards, John **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd52af4925dc4b73bc17640cc0117043
encoding: FLOAT32
metadata:
{"chroma:document": "I was told by several customer service representatives that as long as I had made deposits to my account (especially in person vs mobile) that I would not receive NSF charges as long as the balance met the debits applied. Yesterday I had enough money in the account to cover 3 charges that were pending to come through. I even had a pending ACH deposit show up yesterday. Flagstar still charged me 3 NSF fees even though with the $200 available they were showing would cover 2 of the 3. I can see why Flagstar has an overall rating of 1 out 5 stars! Their \"craft\" that they promote on the commercial is to scam their customers out of fees!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d306f7e42c74d74b10a5ec993059493
encoding: FLOAT32
metadata:
{"chroma:document": "Very unhappy customer from Flagstar. So many hidden charges and they take money out of your account without telling you. Flagstar is a Scam. I do not recommend this bank to anyone! When I was switched over to this bank I had problems from the start."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75dbccf3e23e408da834bc269f5dc944
encoding: FLOAT32
metadata:
{"chroma:document": "I am a disabled Veteran and was attempting to ReFi my home to do some remodeling. I worked with them for five months while my contractors waited patiently. They were unable to help due to a misreporting on my credit report. So I turned to another lender and what Flagstar could not do in five months the new lender did in five days. When I came to transferring the VA inspection report Flagstar refused to release it to the new lender out of spite and it took them nine days to tell me even that. POOR POOR customer service. Owned by Wells Fargo. Still up their old tricks. You can change your name yet behind the door it's still business as usual. That will also end my business banking relationship with Wells Fargo."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e5fddb0eb9c4c8292219a83684acf0c
encoding: FLOAT32
metadata:
{"chroma:document": "I used to like Flagstar. I thought they were so nice and helpful... But as soon as I refinanced my loan (for monetary reasons), things changed. Per RESPA guidelines, my escrow money is due back to me within 30 days of loan payoff. The payoff was finalized on June 24th, but here it is: August 26th and still no money. I've called and called and called. They told me that the check was sent out on July 9th, but I never received it. You'd think that they'd rush on a stop payment and reissue of the check, given that I called weeks ago. Yet nothing was re-issued. There has been no action on their part except for a bunch of \"we'll escalate this to our payment department\" replies. We're 62 days out - it was owed to me at 30!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfb6056558b44535a18c6fbcbabe2119
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased my home in 2017 and have had nothing but troubles with Flagstar. They have missed several escrow payments. I lost my house insurance briefly since they did not pay the bill. They also overcharged my taxes by several thousand dollars. This made my monthly payment drastically increase. I had to not only take the time to send them my actual tax bill, but then they made me pay the overly increased bill because it was 'already sent'. They also have yet to remove the late fee from this error. I would not recommend this mortgage company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 708130012b814109b171ccb5a4567004
encoding: FLOAT32
metadata:
{"chroma:document": "We got the misfortune of having our loan transferred over to Flagstar Bank from Cenlar shortly after our house burnt down in the summer of 2018. We had already sent in our insurance money and had started the claim process with Cenlar before being transferred over to Flagstar bank, it took 2 weeks for Flagstar Bank to show that they had our funds and an additional week to receive their claim packet so we could start the gruesome task of getting all the forms filled out and returned so we could receive our first drawl."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2c47a1c019c4677b6be885033dbb33b
encoding: FLOAT32
metadata:
{"chroma:document": "Liars, crooks and thieves who stole my property tax escrow. Don\u2019t do business with these scumbags. They took over my loan from CENLAR who are even bigger crooks. CENLAR put my escrow to the wrong lot number for 4 years, sold my loan to Flagstar and now the bank is charging me extra every month to make up for the escrow shortage they took from CENLAR."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9496ea1ec00a489ab5d2ae96fd604b48
encoding: FLOAT32
metadata:
{"chroma:document": "We can never log on to pay our bill. The site has literally been down every single time I have tried to log in for over a month and of course no one is available to answer anything at all. We got transferred to them from Amerifirst, now we regret getting them since it led to this terrible company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d3ce215ffa8440c803486d0c4028410
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible customer service. I was transferred from Wells Fargo, continually charged fees and told that I needed to \"zero my account\" before I could close them. The only overdraft is from their fees. I paid nearly $60 in fees. Tried to close by writing a letter (never ever have had to do this with any other bank), only to be told another $15 was charged in fees. I feel like I am in a nightmare that won't end. Do NOT do business with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02821d88c26f4af783f9ef4dc343d216
encoding: FLOAT32
metadata:
{"chroma:document": "Like many others, my loan was transferred to Flagstar. I have roof damage and filed a claim with my insurance company back in April 2019. I sent the check overnight to the address listed on Flagstar\u2019s form. They lost the check although the tracking showed that it was delivered and who signed for it. It took 3 weeks for them to tell me they they were going to stop payment on the check?!?!? The check was issued by Farmer\u2019s, how is Flagstar going to stop payment. The agent on the phone tried to blame USPS for the lost check."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9279040a75604e91886cbcd8e466f7a5
encoding: FLOAT32
metadata:
{"chroma:document": "Very bad experience with a Flagstar. We closed our home June 6, 2019, & we still have not received our escrow money as of August 2, 2019. According to the representative, they send escrow checks in the mail without a tracking number instead of priority mail. I do not recommend Flagstar bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80ad686b382c4fd29981266a20d32251
encoding: FLOAT32
metadata:
{"chroma:document": "I had hail damage on my home in March 2019. It is now mid-July and my contractor and I cannot get Flagstar to release the funds the homeowners insurance paid for the repairs. After a dozen calls, sometimes holding for over an hour this is the type of information I am told. 1) \"It takes two weeks for your documents to be received in the front of the building and make them all the way to us in the back.\" 2) The W9 the contractor sent in is the wrong form. Note: This is the same one he uses with all other mortgage companies but they required he send it three separate times. 3) After all the documents are approved you have to call and request a check which takes 2 business days to process. 4) \"It will take 2 business days for us to approve a header for the check to be issued.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 043960a89f6c47699539ade0b80fb9bf
encoding: FLOAT32
metadata:
{"chroma:document": "I had the misfortune of having my mortgage transferred to Flagstar. They did not contact my insurance and refunded my Escrow which I then had to pay back plus some (almost $1000) and only had 3 weeks to do it. I contacted them about getting a fee waived and it has been since May with numerous follow up calls and somehow the request is never submitted. Then I submit an online application to refinance. I follow up with a phone call in which customer service rep Darrius ** convinces me that I wouldn't qualify but with a HELOC I would. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85f2291e41674e8faf741b8670934453
encoding: FLOAT32
metadata:
{"chroma:document": "If you can choose any other bank than Flagstar Bank to do your mortgage with, do it as fast as you can. I ended up with Flagstar Bank due to the fact that my loan was sold to them. I have always sent in my mortgage payment after the first of the the month knowing that there is a grace period, and that my payment is late if they receive after the 16th. I send by payment thru the automatic bill pay from my Bank. I have used the same day the 5th for the last 8 months however Flagstar for two of the 8 months have attempted to charge me a late fee because they claim they receive this a day after. Both times the payment is received one day later, Flagstar is blaming the US post office (no way to track when they receive) for the delay."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1179f4b6ba074d298d86d867ebe73540
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar Bank works against you if ask for assistance. Loan mod. is subcontracted to another org. and all paperwork gets conveniently lost between the two. No point of contact; they give you a name but they don\u2019t exist or never given their extension. You are asked to upload documents to a \u2018portal\u2019. However the \u2018portal\u2019 only holds the documents one business day but you are told that it takes 3-5 business days for someone to look at your documents and, \u201cOh sorry, we can\u2019t go back and retrieve \u2018old\u2019 documents.\u201d "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0f916d41a614b7a850709863ba1fe40
encoding: FLOAT32
metadata:
{"chroma:document": "I just recently had the worst customer experiences at Flagstar. I'm still in shock. I was in the process of buying a home, the lender had been mainly only communicating with me via email and very short at that. I paid for the appraisal and heard nothing back for a little over a week. Then I got a text from the lender saying it appraised for 25k less than the listing price. That's all I got. Not a call saying the loan is stopped, etc. I then found out from my realtor and the seller's agent that the appraiser tried to schedule a SAME DAY appt. and was already on his way to the property when he inquired about how to schedule the appt. Somehow he got into an altercation with the seller's agent and the police were called. The home had just appraised 2 months prior for the asking price but things didn't work out with the the person's loan who was about to buy it before me, which is why it was back on the market."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57068c8075744de099ed3367623cdd88
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was transferred to this company months ago and I\u2019ve had NOTHING but trouble since! They are horrible to deal with! I\u2019m ready to sell my house just to get away from them!!! My mortgage was increased for \u201c6 payments\u201d to get my escrow back up and I\u2019m still paying the increased amount with no explanation! I jumped through hoops to try and get a forbearance for one month after having a surgery that had me out of work (for 8 weeks) and they denied it after taking their sweet time to decide leaving me one day to find the way to pay my mortgage. They suck!!! Stay far far away!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e84a0c004c024ae1ac49d32d240d16bf
encoding: FLOAT32
metadata:
{"chroma:document": "This lender is absolutely horrible. I am a disabled veteran in the state of Illinois. I have a 100% property tax exemption. Yet Flagstar insists on charging me for estimated property tax and then refuse to refund my escrow balance which is well over $5000 at this point. I plan to refinance my mortgage just to get away from Flagstar. Worst lender."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2a9d6a1eb934f71bbab8f1e9f186cd9
encoding: FLOAT32
metadata:
{"chroma:document": "My original mortgage company sold my mortgage to Flagstar Bank in December 2018, I never sought them out to handle my mortgage. During the spring finances became temporarily tight due to slow work, making us late on our May payment. I called Flagstar May 31st and let them know I could pay the May payment in a week. The rep named \"Summer **\" had me enter into their repayment plan. I was to make a partial payment that day of a minimum of $250 (I paid triple) and the remaining amount would be divided in half over the next two payments and added to the normal payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae8a0a7003744a95b3e48a22060d6e34
encoding: FLOAT32
metadata:
{"chroma:document": "I have to call every month for the past 7 month to have someone apply funds correctly. I gave a very simple direction multiple times - \"any extra payment I make is to go to principal\". They continue to put extra payments to the stupid \"Suspense Account\" instead of to the principal as directed multiple times. This throw off my book and I have to continuously call every month to tell them to move money to the principal. It also takes more than a week for them to complete the simple task. I'd certainly not recommend this bank to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2411d76b5eec437ba7778c5b369d28eb
encoding: FLOAT32
metadata:
{"chroma:document": "Charge me $30 or a payoff amount through an email. You would think it would be cheaper since they said it would be free for the post office to deliver. Don't understand why the government can't let these banks get by with such bull crap."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cdad4537576c495f8c428db7385a4a49
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was transferred to Flagstar Bank 3 months ago. I do all of my payments online and automate them whenever possible. Flagstar's system will not let you set up autopay after you have made a payment and it has posted and the next one is due. My May payment did not register with their system. When I logged in to make my June payment it showed that the May payment was due. So I paid the May payment. Now it won't let me make my June payment which is due today. I called them to see if I could make the payment over the phone. They told me that I could not and would have to wait until the May payment posted. To top it off, since it was 31 days since the May payment was due, they are going to make a delinquent report to the credit bureaus. STAY AWAY FROM THIS BANK. I CAN ONLY IMAGINE THAT THEY USE AN ABACUS TO TRACK THEIR MORTGAGES."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae779d07c5d04e1986a96f4d986df5f9
encoding: FLOAT32
metadata:
{"chroma:document": "They service my home loan and it started with issues in my loan transferring. The biggest problem was they never sent me a bill or any information that my loan had transferred to them. I only figured it out because my bank account was oddly large. I called my old servicer to find out the loan had gone to Flagstar. I was almost 3 months behind in payments. I found that out after having to call 4 different phone numbers. NOW they negligently didn't pay my home insurance (out of my escrow account) and the insurance has lapsed. Luckily my insurance company sent me notification in the mail that I haven't been covered for 10 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aafd5d7b503e4d70a49418516639a2ec
encoding: FLOAT32
metadata:
{"chroma:document": "Our automatic payment was moved to a different bank. This did not go well the first month and they neglected to make the payment on time. Flagstar threatened to ruin our credit rating over this. When I tried to talk to Autumn about it she was extremely rude (actually abusive) and told me if I didn't stay on the phone with her she would report it and ruin our credit rating. I had to stay on the phone for 4 hours and cancel all my day's activities. She spent those hours chewing me out, transferring me back and forth, shouting demands and accusing me of lying. Actually kind of traumatic. Will never again trust this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e17805969bf44fe5b1c0d9fe0c9a1e8b
encoding: FLOAT32
metadata:
{"chroma:document": "They were extremely helpful and explained everything. They are also very well capable of working with the deaf unlike most companies that think everyone can hear. They Do NOT have an automated system for making calls. Most companies discriminate against the deaf and handicapped and Flagstar works with the disabled exceptionally well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f98413b975be49dc86f86944936cf131
encoding: FLOAT32
metadata:
{"chroma:document": "This is the best mortgage company on the planet, and I have dealt with about ten of them in my lifetime. No other mortgage company compares to this one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2e8ec23268c4839ae1dda14946651cb
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT USE THIS BANK! My mortgage was sold to Flagstar about 6 months ago. I mail a check every month for my mortgage because they charge to make a phone payment and I do not do any type of payments online. I have had to begin mailing my mortgage payment in the middle of the month to allow for up to 3 weeks \"mailing time\". We all know 99% of all mortgage payments are due on the 1st, typically there is a grace period of 10 - 15 days, and, although the US post office is slow, typically mail is delivered to the recipient in about 5 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 234a3fe0ee8d409bb8b124ed40d15d88
encoding: FLOAT32
metadata:
{"chroma:document": "I had the misfortune of having my loan transferred to Flagstar Bank 3 months ago, a month before my loan was eligible to remove the PMI from my loan payments. After my loan was transferred to them and after my LTV ratio was at the required percentage, I immediately sent in the paperwork to them requesting my PMI be removed. 2 weeks later, I received a letter that stated that I would need a BPO (Broker Priced Opinion) to verify the current value of the home. The letter also CLEARLY stated that the payment for the BPO was $125.00. I sent the check, along with the copy of the letter. They cashed my check and then proceeded to tell me that I owed another $250.00 because they could not find anyone in my area to give a BPO."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09c02fbaf849462b898763714419953d
encoding: FLOAT32
metadata:
{"chroma:document": "March 16th, 2019, mailed first of two insurance claim checks for their endorsement only. Paid $50 for overnight shipping, 25 to them and 25 for them to overnight it back. One of few mortgage companies that requires their endorsement be on homeowners claim checks under 10,000 dollars. Called 5 times, gave some lame excuse about why they couldn't use the overnight envelope with FedEx I sent them and they \"sent it back via USPS\". It's now May 2nd and still no check. The joke is on these **, I sold the house, they are no longer mortgage holder so I stopped payment and had State Farm reissue both checks directly to me. Of course this is 2 months after repairs are already done and I paid for all repairs out of pocket even though I had an insurance claim. Flagstar is worthless, NEVER do business with this shade tree company if you can help it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d166628d5ed4b69a423a01f4532b069
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage like several of you was transferred to this bank from Freedom Mortgage! The way I found out, was that my check was returned from Freedom Mortgage, not only once but twice in February. When I called them and asked them why, they said it was sold to Flagstar Bank. I called Flagstar Bank. First of all they told me I didn\u2019t have an account with them. The second time I called, They told me to go online! Again I called them finally someone gave me a new account number, and told me my mortgage was overdue! They also told me they sent me notice of this transfer by mail, I did not receive! At that time I set up my online account and paid February and March mortgage payments, unfortunately I entered my bank account number incorrectly, and they didn\u2019t go through. Then in the mail, I received a letter about \u201chow to get assistance if I can\u2019t pay my mortgage\u201d!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bb0d73b8b4649a98e516282a70eadfd
encoding: FLOAT32
metadata:
{"chroma:document": "Dissatisfied Customer. My loan was transferred from Freedom Mortgage in January 2019 and it's been nothing but a headache with Flagstar Bank. I am on the phone every week with customer service or the escrow department because they have screwed up my payments. They increased my monthly payments and refuse to re-adjust them despite making the escrow shortage they claimed l owed. I have never been on the phone so much with any mortgage company as much as l have been with this company. Did l also say that they screwed up my insurance information and it took more than a month to get it corrected. I am not sure what kind of mortgage company/bank this is. I never heard of them before my loan transferred to them. Do not get your mortgage with this company, they are highway robbers, getting rich on hardworking innocent consumers trying to provide for their families."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5274c2bd22ce4514af92ec5305d69850
encoding: FLOAT32
metadata:
{"chroma:document": "My loan had the misfortune of being transferred to Flagstar 3 months ago. I submitted paperwork to set up biweekly debits over 2 1/2 months ago and have yet to see it come to fruition. I have had to call to make one time payments FOUR times now so these hacks can put off applying this yet another month. I've held their hand through the entire process and have spent hours on the phone with around 10 different representatives all to be given different versions of why it's not drawing..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97ad97ce90ac4daab1211c1505fd8433
encoding: FLOAT32
metadata:
{"chroma:document": "Our loan was transferred to Flagstar Bank in December 2018. It took 3 months for them to start properly applying my payments, and now all of a sudden in April they are not applying my payments again and showing my acct as delinquent. When I call they can see I made the payment on 4/5, but don't know why it has not been applied to my acct. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7886b89b4674f9583a193736a0d7a89
encoding: FLOAT32
metadata:
{"chroma:document": "I was out of town on a travel contract, and I allowed my roommate to stay. Her boyfriend kicked in three doors and threw her against another, busting it. The claim with my insurance company went by without a hitch, other than Flagstar insisting they needed to be a co-endorser of the $1,500 check. So I called them and was told I could overnight the check and include a return envelope to overnight it back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed715e8b5b0a448baa342473f7368c2d
encoding: FLOAT32
metadata:
{"chroma:document": "My loan was previously serviced by a WONDERFUL bank, Freedom Mortgage. They \"sold\" the servicing to Flagstar earlier this year. It has been nothing but hassle to get this \"bank\" (Flagstar) to credit my account correctly. I have made several payments and my principal doesn't get reduced accordingly. They have \"reversed\" payments in order to try to fool me into thinking they are addressing my issue of them demanding a higher payment, and in \"reversing\" \"forgot\" to reapply to principle. Clever, eh? Confuse the stupid customer and made hundreds!! If they do this for EVERY mortgage, they are doing pretty well. If only I could go back to Freedom. NEVER a bit of trouble. But, alas, we the consumer have no say in who \"services\" our accounts anymore."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de730bf909ee405ca7edcc9e3be033cd
encoding: FLOAT32
metadata:
{"chroma:document": "I communicated with Flagstar bank customer service through online chat and phone for resolving my account hold. I spend total 3-4hours to resolve that issue. But I didn't get any help from them. I didn't open this account. They only know one sentence \"go to our branch.\" But there is no branch in my city. I had an account with Wells Fargo, they sold their branch with my account. Wells Fargo transfer my balance to Flagstar Bank. I have account with Chase, TCF Bank. If I give 80 to Chase bank, then I will give 20 to Flagstar Bank. Worst bank so far."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 870773694fdb4ed0a060dbd5bb525809
encoding: FLOAT32
metadata:
{"chroma:document": "My new mortgage company Flagstar Bank wrongfully increased monthly mortgage payment. It went from $561 to $821. They want to collect money for property taxes. I am a 100% disabled vet and this house has been exempt from property taxes since 2016. My loan was sold to them from the previous company Cenlar. Maybe they didn\u2019t get the documents from them? But when I saw my increase on the 1st of this month I immediately contacted them to try and resolve it. I sent in the paperwork to them showing my exemption. They refuse to update my payment this month and still want to collect money they know they are not entitled to collect. Why put disabled vets in financial hardship? They claim they cannot update it without giving me notice. But I had no notice before this month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14b501ac6a4f4b43a62cbd06f5d3978b
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst place to get a loan from. They purchased my loan from my old mortgage company and they have been a disaster to work with. DON'T DO BUSINESS WITH THEM. Save yourself the headache and the blood pressure medication."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d025c1b6be044228712160ed2c619d0
encoding: FLOAT32
metadata:
{"chroma:document": "Cenlar sold my mortgage to Flagstar. I noticed right away my mortgage went up a few hundred dollars a month. I realized they bought me a homeowners insurance policy. I've spent months trying to resolve this and they still charge me the extra money even though I've had insurance in place with USAA for years. I've emailed, faxed, had USAA on the phone with them etc and I can't get it fixed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9c39869fc374b0bbfe3b9814a15878d
encoding: FLOAT32
metadata:
{"chroma:document": "On 3/15/2019 I contacted customer service by phone to dispute a unauthorized charge with my ATM/debit card... Agent was helpful. Dispute was resolved and money was returned back to my account. Agent did inform me that my current card had to be deactivated and a new one sent out. I was fine with this since I had cash on hand. I was told by agent the new card was ordered and I should receive within 7-10 business days. I took her at her word. Said thank you for all the help and disconnected. Did go to my local branch to get a temp card which I was told is limited in what I could do as opposed to real card on its way to me. I was given a card with instructions and a # to call to activate. Called the # keyed in the card # and the system asked for the 3 digit code on the back of which there was none. This was a bit upsetting. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3461218ca1084d5b8d8aac5f6f5cbb05
encoding: FLOAT32
metadata:
{"chroma:document": "Let me start off with my loan from my other company was bought out by Flagstar Bank. I called to refinance my home. Mind you I have 150,000 in equity. Showed him everything that\u2019s possible that was needed with good credit. Paid $675 for an appraisal already preapproved and then they decide to deny me after 2 1/2 months still waiting. Emailed him multiple times. Contacted multiple times. Got a letter in the mail. They got denied. No phone call no nothing explaining why on top of that since they bought my own I\u2019ve had nothing but problems making my payments every month they double dip me on my account happen on a Friday and then on Monday I called them up. They had no explanation what it happened. Far as I\u2019m concerned this company is the worst mortgage company or bank of of ever had to deal with. Just beware. Enough said."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63cd9ffb55af467a92248181929b3065
encoding: FLOAT32
metadata:
{"chroma:document": "I took a loan and paid it off. Missed $3 because of a calc error in the interest rate they had on their end and they reported that on my credit score. Very difficult to get hold of and you get bounced around from one rep to another. The left hand doesn't know what the right hand is doing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d93ef510213746658c9350ca32e81569
encoding: FLOAT32
metadata:
{"chroma:document": "Our mortgage was recently sold to Flagstar and immediately we began having problems. They double-charged us for PMI and offered no explanation of a escrow increase. My wife noticed the charges and contacted Flagstar to correct the problem. They said they would, but the next month we were double-charged once again. She had to contact them again and they said they would remove it. We recently got our third overcharge with no corrections and no reasons as to why this keeps happening. The only thing we can gather is that this bank is inept and completely incompetent. They apparently have no accounting and no accountability. Stay far, far away from this 2-bit, wanna-be bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80295d7224f0498bb487a4832854eea3
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold to Flagstar in December 2018. I had previously paid my mortgage in advance through February 2019 with my previous mortgage company. Flagstar is stating it hasn't been paid since January and on February 26, 2019 they literally broke into my house, changed the lock, put antifreeze in the lines and shut off the water at the street because they said the house appeared vacant. They blamed the county for the water being cut off. I called the county and they sent me their log showing they had not been to my house for anything and did not disconnect the water and the bill was current. These people are CRIMINALS. Literally. Breaking into someone's home??? If I could rate them a zero in stars I would."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc2d0fb177c04db8811fe57d5bcff9f4
encoding: FLOAT32
metadata:
{"chroma:document": "Looking at all the horrible reviews after just getting notice that my mortgage has been sold from Cenlar to Flagstar. I am so worried!!! How do I protect myself and my family from their fraudulent practices? I have already called to them to verify the new loan number and mailing address and I am already getting misinformation and a runaround..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2865078689947729c4fb1c1c48e400a
encoding: FLOAT32
metadata:
{"chroma:document": "I have suffered a home flood due to a plumbing break and my insurance company quickly reviewed and paid an initial sum within 48 hours. The bulk of the funds were issued via a joint check to Flagstar and myself. Initially, the Loss Draft Dept in Mesa AZ requires you to complete many forms, notarized by yourself and contractors. I completed ALL their paperwork and mailed this and the check to them as required. Then they start asking for new items - in very cryptic obscure emails giving little information asking for \"Contractor License\" already sent on a Notarized Affidavit! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25bba7a1ac8d4e3ab5969401f1c097c2
encoding: FLOAT32
metadata:
{"chroma:document": "My condo suffered water damage and mold problem. The insurance company settled it quickly and mailed out the check to me for $17650. It also included Flagstar on it since they are my mortgage company. I signed the check and mailed it in to Flagstar on 12/23/18. Today, I still have not received the amount. I had to pay contractors to repair the mold problem and fix the entire condo, which cost me over $24K. I submitted all the documents Flagstar asked for...insurance estimates, paid invoices from contractors, and release of financial responsibility. They sent out their inspector and the report was submitted to them as all good...all repairs were done on the condo. I called and talked to their representatives at least 20 times since January and every time they asked me for the same things over and over again because they either did not receive the documents or that the documents were uncleared. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09faabf4f17d4789b39d5a48d71255ca
encoding: FLOAT32
metadata:
{"chroma:document": "My home was damaged by Hurricane Irma in Sept. 2017. I went to a 9 hour meditation with my homeowners insurance attorneys. I secured the funds to repair my home. Flagstar refuses to release funds. It releases the funds only to the contractor and myself as a co/signer. I have no control over my own money. I hired a roofing contractor and I had to pay $1000 to secure the work. Flagstar would not pay me back the money. The contractor was almost finished with my roof by the time Flagstar sent me a check made out to the contractor for the FULL amount. Luckily for me, the contractor refunded the money back to me. They refuse to sign over the checks to me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb30940ca699426bb2a638837d3affa3
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was transferred to Flagstar a month ago. Everything has been a huge inconvenience for me since this unwanted transfer. I set up my automatic draft for bi-weekly payments, which takes a month to start, so during my wait I am ineligible to make a one-time payment online. WTH! WHY? Flagstar Bank Customer Service Rep Mollie/Molly says she's sorry but, \"You can't make a one-time payment online because you set up auto draft, even though it doesn't start for another month.\" Then I ask to make a phone payment and she says it will cost $15 to make a phone payment. So basically I have been transferred to a company that doesn't know jack about customer service. She never offered to waive the fee, she just says mail the payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80e631380ff241c0af334c2bcb83716a
encoding: FLOAT32
metadata:
{"chroma:document": "About four or five months ago my mortgage was sold to Flagstar Bank. From the beginning it was obvious they have problems dealing with customers. First when I requested that I make one at a time payments over the Internet they sent me log on credentials including a user name. I tried to log in and it wouldn't allow me. So, even though I have a VERY significant hearing loss I struggled to call and discovered... \"Opps, we sent the wrong user name.\" So I used the new one and it worked. BUT, not on the the web page they originally told me to use. On the page dedicated to mortgage ONLY payments it worked. Now the mortgage only payment page is refusing payments and saying it is having technical problems."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91da810e34d7468081b6c330f7c359b0
encoding: FLOAT32
metadata:
{"chroma:document": "Since I purchased my home, the loan has been transferred multiple times. Every time it has been pretty seamless - until Flagstar! After transferring to Flagstar, I have had to spend multiple hours, emails and call in order for them to receive verification of my insurance. Including a threatening letter that I would be charged for insurance from them - after speaking with them multiple times earlier to verify things were squared away. Never deal with Flagstar if you have a choice!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 628bbc3743424d0ebb6d5f459f4db8d8
encoding: FLOAT32
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{"chroma:document": "My mortgage was transferred to Flagstar less than a year ago. Everything was okay until I tried to do a basic change to the payment date. The website is useless. It shows my account and my address and that's it! I have to call their customer support to do anything else. I called customer support and was on the phone for over an hour and was finally told there was nothing they could do and I would get a fee. So let's get this straight, I can't change basic functionality on their site or via their customer support because of their system limitations. My payment is scheduled for the 3rd. I won't have the full payment until the 8th. Mind you this is still well within my grace period and now they are going to charge me a fee because they will request the money on the 3rd and I won't have it. That's a nice little scam for them. Oh and this is the second time in less than a year, that they charge me a fee due to their system limitations. Stay far away from this company if you can!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2fda056b8e8f4b578dc7e7e0588c1b83
encoding: FLOAT32
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{"chroma:document": "They do not care about you or anyone. Everyone there is scripted. Every single time I ask a question or for help I get a scripted policy answer. They want fees for everything. They do not budge if you are in a bind. Today for example, I couldn't log in to make a loan payment. I went to their chat. No one in loans was available. I asked someone in a different dept to find out some answers for me. I got an automatic company policy statement instead of a personal answer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b10680c078f549c8ad39e6e1c2aba89b
encoding: FLOAT32
metadata:
{"chroma:document": "Chase sold our mortgage to Flagstar Bank which also does business as Lakeview Loan Servicing. Within days of sending me a letter stating my mortgage had been transferred, they scrambled my name. All correspondence after the original letter has had my middle name as a last name and my last name as a middle name, and even my wife's last name correct didn't wake anyone up. Now my 1098 Mortgage Tax document doesn't match to my social security number. I called to correct and they wanted me to send them 4 types of proof of my name with an affidavit? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d25a587e748846ca9f2422f93c41d432
encoding: FLOAT32
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{"chroma:document": "I bought a home in 2016. It is now February of 2019. During this time my mortgage was sold several times. There was never an issue prior to Flagstar. I had auto draft set up on bi weekly payments. During each transition from one mortgage company to another it was seamless. There was no disruption to my payment schedule or any major changes to viewing my statements online. Since Flagstar took over they cancelled all payments. Demanded that I pay two months in advance to restart an auto draft program that I was already in and had budgeted for. I never had a missed payment or late fee. Their online payment site only allows one payment then they want you to make payments on the phone and charge you ridiculous fees to do so. Their customer service is appalling and I urge anyone reading this to never use this bank for any purposes. They are criminals in my opinion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e62391ddcd2747cd9cdff2f269c9f5f2
encoding: FLOAT32
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{"chroma:document": "Unfortunately my husband I loan was transferred from Chase to Flagstar. We started paying Flagstar in November of 2018. First we received information about foreclosure (WE ARE 1 MONTH BEHIND, DUE to my husband's job) before even receiving a welcome letter! We have spoke with them and let them know of our situation on several occasions and the reason we stay 1 MONTH BEHIND! It feels like we are harassed everyday by these people. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 231d4a902f084770a4ab0f443f1853dd
encoding: FLOAT32
metadata:
{"chroma:document": "Our accounts were transferred over from Wells Fargo after the takeover. We decided to give them the benefit of the doubt. However, we will be closing our accounts. They will hold DIRECT DEPOSITS for several days before allowing them into your account. Why is my PAYCHECK pending for two days? Purchases won't go through your account for 4 days (without saying pending, funnily enough) or more causing frequent overdrafts. As soon as our tax refund goes into the account, we're gone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0fbec71546b43ef96274e10cb3907a0
encoding: FLOAT32
metadata:
{"chroma:document": "This bank took over for Wells Fargo! Idiots (Wells Fargo) for selling/merging to this bank. It is a joke! Their banking system and how they run it is horrible... Took almost a month after transfer for my debit card to work. Been 4 months checks still will not be accepted at any check sys retail stores... They let deposits spend for like 5 days before they let the deposit accessible. When you use your debit card at most places the money comes out. Then at night is put back into account then finally withdrawn two or three days after... Makes it difficult to use the phone app to keep track of deposit and withdrawals having 4 deposits going in! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fc219afdf7e4fffadbe4630291621f7
encoding: FLOAT32
metadata:
{"chroma:document": "We were migrating our accounts to another bank when Flagstar purchased our Michigan Wells Fargo. It was taking me a while to accomplish this, as I was caring for an elderly family member and balancing professional responsibilities. Meanwhile, Flagstar removed my name from our joint checks and then refused to honor an electronic payment to my credit card. I am waiting for one more quarterly payment to go through, then I am done. Worst banking experience ever, and I speak as a former bank officer at another large bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44a8b56388e94a1b83174a72b3282d90
encoding: FLOAT32
metadata:
{"chroma:document": "Consumer Finance department should consider updating their regulations on mortgage transfers. I never got a letter ahead of saying my mortgage was being transferred. This is the second time a mortgage of mine has been transferred so I'm familiar with the process, but since that time regulation must have become much more lax. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c61e18e0b39d4742a99dbca773dfe1a1
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for CD with them about 16 months back and opened a 19 month CDs. They never contacted me on phone and after the sign up, there was no way to add maturity options or a beneficiary. I kept looking to see if they added any options online months after months to see if I could set up Maturity options like all other online banks bigger and smaller. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ea1621b6f4f46f4a684a64a60b6b090
encoding: FLOAT32
metadata:
{"chroma:document": "Just got my mortgage transferred to Flagstar from Freedom Mortgage two weeks ago. Flagstar never sent a welcome letter, instructions, no account number. I called in and they can't even pull up my account but somehow wanted a payment for this month, the payment I already made to my previous mortgage company. I have never been treated so poorly on the phone. We decided after two phone calls were refinancing. if you have the ability, run as far away form this bank as you can. Worst thing you'll ever have to deal with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb2212f1837147ee983d8bc1a37f90ad
encoding: FLOAT32
metadata:
{"chroma:document": "Our mortgage was sold to Flagstar this last month, January 2019. For the first time in 19 years, we have had ongoing trouble and incorrect overcharges with regards to our mortgage. Miscommunication and deceit. Will be switching bank as soon as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bee00e63e8b4414e904aca442abc751e
encoding: FLOAT32
metadata:
{"chroma:document": "The right hand does not know what the left hand is doing. Trying to locate a correct email address to discuss or receive information regarding recasting our mortgage has been a struggle, frustrating, many hours of effort and several phone calls, wrong connections, misinformation...and to no avail! I still have not been able to locate the information I am inquiring about. Not even the correct email address...as I was told there is no one in this department with a phone. It is all handled via email. This is a poor excuse of a financial institution. Shame on you, Flagstar; Vice Presidents, Executives, CEO's and President! This is no way to run a business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6db3922cecdc47ad874c50eb3bc002a3
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold to Flagstar. I was in the middle of taking care of damage from a hurricane. It took me FIVE phone calls to find out how to handle an insurance check. I tried emailing but they will not answer emails. They could not even give me the correct address to send the check. My 5th call I finally got the information I needed. My first call I asked for an address to send my mortgage payment and the person did not know!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57d5def38c42497794756ff455937491
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar is the servicer of my home mortgage. After using Wells Fargo, Chase, others I can say Flagstar is really bad. Sadly you don\u2019t get to choose your mortgage loan servicer. Flagstar seems to be a small time operation and they're forgetting to pay my property taxes is a symptom of that. Really bad business operation. Customer service people seem nice on the phone but really you shouldn\u2019t need to call the bank if they do their job correctly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8175b2ba694749a79fb0945737ba8807
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was transferred from Chase at the end of last year (2018) and I was unlucky enough to be reassigned to Flagstar. Their customer service is absolutely worthless and everything has to go through a \"supervisor\" who never speaks directly with you and doesn't call you back even though that option is given by the person on the phone. I have never been behind on my mortgage or missed a payment or even paid late; however, when Flagstar received my loan, they immediately started billing for current month and next month. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a2d51b5d40e54b3ca97b70741c536080
encoding: FLOAT32
metadata:
{"chroma:document": "We were with Chase bank and unfortunately our mortgage loan was transferred to this corporation. It has been nothing but a struggle ever since. Payments applied incorrectly. One department can't see what another department is doing. No one can update any information. They keep pointing fingers at each other. We are told that a supervisor will be handling it and calling us back. This never happens. So if we continue to make payments they will continue to apply them incorrectly and we will still have an issue. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a57da3e5a3a84e8d8d3d81c53403c9d1
encoding: FLOAT32
metadata:
{"chroma:document": "Short story I closed my account in December due to problems with the merger. I could not access new my account online or mobile. So I took measures to move my money to another bank so I could pay my bills. After constantly trying to get help I gave up and closed the account. I have a check in my hand from the .03 cents I left in the account after transferring money out. After the account was closed I purchased something on Amazon, which then automatically used PayPal. PayPal used my old Wells Fargo debit card which should not work, and Flagstar reopened the account to accept insufficient funds. I no longer have a debit card or access online, but they keep sending me letters and raising the fees. No one will return my call, emails or correspondence. I have no way to pay off whatever they say I owe. I need help. The closest Flagstar bank is 45 miles away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0cbb11da2294092b995544b5747a2a4
encoding: FLOAT32
metadata:
{"chroma:document": "We purchased our home 3/2018. Our loan was immediately transferred to Flagstar Bank. Within a month I received a request/notice about flood insurance. I did get a policy when I purchased the house, I sent them the policy, two weeks later I get another request for flood insurance, I called my insurance agent who sent them everything that was needed. I was told on the phone that my insurance was not acceptable because it didn't meet FEMA standards. I called my insurance agent again and he explained that \"No, the insurance was just fine\". "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6407ba365f624fbabc04b579566d64c8
encoding: FLOAT32
metadata:
{"chroma:document": "Had a business credit account with Wells Fargo. Wells sold to Flagstar and the debacle began. First, the credit card I've had for 15 years was deactivated without any notice and without a replacement Flagstar card/account. I have numerous auto-debits for the business and had obligations that needed paid. I called and after 40 minutes they reactivated the Wells card. Few weeks later I get the Flagstar card and (wrongly) assumed the account was good."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 018289012c45459cb32ea5fd89a841e4
encoding: FLOAT32
metadata:
{"chroma:document": "Last summer Chase sold my loan to Flagstar. Things seem to go ok till tax time when I called to find out about when my property tax check would be sent. I was told, \"We don\u2019t do that. It\u2019s sent to the village/town.\" I\u2019m like, \"When will this be.\" I was told end of December. Ugh ok. Well taxes were paid on 12/20 and things seem good till on 1/23 they went and pulled more money out and paid my taxes again. If I would not of received a email yesterday about it I would not have known they double dipped. I had to call to tell them. Now it\u2019s a waiting game. I told them it\u2019s their fault and I\u2019m not paying any shorts and that they owe me money. So everyone please check and see if they paid your taxes twice. Unbelievable this bank. Worries what next."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b859f82431c846a6b67c44e8a7b9d43d
encoding: FLOAT32
metadata:
{"chroma:document": "Loan Depot sold my loan to Flagstar. I was to make my payments to Flagstar starting January 1st. I had already made my January payment to the previous servicer on December 12th. Flagstar continues to expect the payment due for January and tells me that they never received the funds that Loan Depot wired them. I am going to have to make my January payment twice now. None of this is my fault. A payment for nearly two thousand dollars has disappeared into a black hole. It's been a month and they still haven't credited my loan. This bank is slow to resolve these matters and I can't recommend them based on this experience. I never would have made the January payment in early December if I knew this was going to be the result."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc4f5e2c4bf04d7a92973079234795f1
encoding: FLOAT32
metadata:
{"chroma:document": "On Dec. 8 2018 Chase sold my mortgage to Flagstar. I didn't find out until Dec. 17. When I started getting debt collection letters from Flagstar. So I immediately called Chase. Of course they state that my account is closed. But Chase owed me $8000. So I called Flagstar but couldn't get through to any sensible person. So I wrote them and inform them that since they are collecting a debt from me for my mortgage, then I'm a debt collector also. I informed them that they owe me $8000 which is to be paid immediately. That was since Dec. 27, I haven't heard from Flagstar or Chase since."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e22f77dcb96943c1a0cb79ac0a9c13dc
encoding: FLOAT32
metadata:
{"chroma:document": "Chase Bank sold my mortgage to Flagstar last June or July, 2018. The first few months, everything was fine. A couple months ago, they started not posting my mortgage payment correctly and then trying to charge me a late fee of 17.80 because THEY are ones that posted it incorrectly and supervisors refuse to pull it out and repost correctly. I was told I had to pay another 42 something which is what they posted wrong in order for a full payment to go through. I pay it as of no choice and get told it's all caught up. Then they told me on the next month's payment which was paid in full, unless the late fee is paid with it, they will not post it as a full payment which I'm sure is illegal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 588c405e36c14c9185148de92fe3c4e1
encoding: FLOAT32
metadata:
{"chroma:document": "My loan recently transferred to Flagstar Bank in January of 2019. They have been terrible to work with and the customer service is beyond terrible. I was on hold during one call over 90 minutes. My old mortgage company had already withdrew my January payment before the loan transferred. So when the loan transferred a few days later, they transferred, via a wire transfer, my January payment. I was provided with the federal exchange number to verify the wire transfer went through correctly, and the date/time of the transfer. Flagstar continues to deny they received my the payment and I had to make another payment directly to Flagstar to keep my loan in good standing. So I have paid my January payment twice!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e31a4e718764d25a2a5a5c3602ecb79
encoding: FLOAT32
metadata:
{"chroma:document": "My loan got switched over to Flagstar Bank after a recent refinance that first went to HarborOne. Ok, fine. Figured it would be no issue. First payment due on January 1st, so I set up an autopay on Flagstar's website to be paid on December 28th thinking it would go on that date. I just got a statement from them that the payment was never paid and now I have a late fee of $35.00. Total **, since the website had all my information already in it (routing and bank number) proving that I had set it up, with the \"convenient\" notification on their site that autopays only take effect on the 2nd payment. Then why wouldn't the site warn me of that at tell me I HAD to make a manual payment? Nice try Flagstar. Not on my watch. Judging by the reviews about this bank, I am getting my loan away from these guys ASAP, but not before ripping into them about the late fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2e024a4762149ae9cafcdc9a3dccd6f
encoding: FLOAT32
metadata:
{"chroma:document": "I received a bill from my city tax assessor in November for 1633.00 I called Flagstar. They said it would be paid by 12/5/18. Two weeks later another bill. Called again. They said, \"Oh yes it will be paid.\" A week after that got a bill from my homeowner's insurance. They didn\u2019t get their payment. They went after Flagstar themselves. Third bill arrives today from tax assessor with a penalty. Called Flagstar again. Talked to mortgage department. Blasted them again and said it better be paid within 48 hours. And they are paying the penalty. Don't get a mortgage with these **. The best mortgage company is Quicken Loans or Mr. Cooper."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d05ce17f237c42b8b3eb33931d6bcae9
encoding: FLOAT32
metadata:
{"chroma:document": "This has been the worse banking experience I've had. We applied for a HELOC and they were super pushy to get the process started, then when we ran into some issue and I had questions regarding the loan they offered and wanted to know details before accepting their loan they pretty much stopped all communication with me. I tried calling, emailing, and just trying to get more info about a loan and no response from the contact person I worked with named Rosie. Horrible and unprofessional. They can't take 5-minutes of their time to explain a loan, just expect you to sign for it without providing you any of the information. I will NEVER work with this bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c9c9200714243a8ba42ef31f31bd330
encoding: FLOAT32
metadata:
{"chroma:document": "My local mortgage loan company sold my loan to Flagstar Bank and I have had nothing but problems ever since. Be prepared for a long hold if you are calling customer service. My advice, go to another company if you have the opportunity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fac3b41d781c43cf91e3c73bbe757b53
encoding: FLOAT32
metadata:
{"chroma:document": "The people who operate this bank are complete morons. It has been a nightmare ever since a bad bank, Wells Fargo sold to a bank even worse, Flagstar. They are incompetent, unable to fulfill even check services properly. They keep no records of orders, so they never order anything. They shouldn't even exist with this bad service. They don't even function. They are a zombie bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d320824c0bf74be19afcfd6835b5337d
encoding: FLOAT32
metadata:
{"chroma:document": "We are a contractor working on a home that was damaged during the storms. Flagstar has had our down payment check since November 22, we have submitted our documents over 35 times via fax and email. And as of today, they can't tell me any update or whether they have received them which we know they have, because another department confirmed. This has been the worst experience ever dealing with a bank to process a insurance check for contract to be paid. We will have to the project completed this week and still can't get them to release down payment check. With no reason why from Customer Service. Don't bank with them and if you have a loan I would recommend re-financing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee26e98adaaa4dba8d6c1774e3b7e8f7
encoding: FLOAT32
metadata:
{"chroma:document": "I was never a Wells Fargo customer but am equally affected by this merger. Chase bank sold my mortgage to Flagstar so I opened a checking and savings account with Flagstar and have been a customer since December 8th, 2018. So far, I cannot log on to see my accounts online nor on their app. Customer service is only equipped to change my password but not diagnose why I\u2019m unable to log in. This problem has also affected the banker's ability to get me logged on at the actual branch. Most recently, my direct deposit is missing and the banker at the branch had no clue about where it was. I\u2019m freaking out because on top of all this, I\u2019m one of the government workers who has been affected by the government shutdown. I need my money found immediately and I\u2019ll just start sending checks or money orders to pay my mortgage. Flagstar is behaving like it\u2019s been hacked!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c550a26b537404785c6d4305e5548fa
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Flagstar for a few years and the only reason I\u2019ve tolerated them this long is because I had everything set up to come out automatically. This year alone, I\u2019ve paid over $600 in overdraft fees. I\u2019ve called repetitively and asked them to remove the ability to overdraft but I found is they manipulate your account so you can\u2019t tell you have over-drafted until it\u2019s too late. I only keep money that I need in there and there is no way to deposit money in the same day once it overdrafts. I\u2019ve set up texts and emails and nothing. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17b157fd15f14a7d85e854b7d1e181c7
encoding: FLOAT32
metadata:
{"chroma:document": "I had a Wells Fargo Bank account and INVOLUNTARILY been switched to Flagstar Bank when they bought 52 WF banks. After deciding to give them a chance I had to make multiple calls to Flagstar just to be able to log into my account. After barely using my account I am now locked out with my balance saying I am negative $10 million! I don\u2019t make nor have this amount of money. I\u2019ve deposited one refund check for under $20 to this account. I will be closing my account as soon as I am able to get to the bottom of this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 206d3d4d171d46fd9116798e99335023
encoding: FLOAT32
metadata:
{"chroma:document": "My house loan with Chase was bought by Flagstar Bank. This company has sent about 10 letters to me and certified letter. This company will harass you constantly. I accidentally mailed house payment to Chase then found out my loan was bought by Flagstar. All of this four days before Christmas. My house payment was behind. But I\u2019m afraid to sign anything with this company to get caught up. Based on every review I\u2019ve read. I\u2019ve always made a payment every month, but yet in one week I\u2019ve received letters and calls constantly. After I see everyone reviews I realize I\u2019m not the only one having to deal with this bank's tactics."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24d73e30d7e04de18d1dfd68e1d671c6
encoding: FLOAT32
metadata:
{"chroma:document": "Long post alert!!! My husband and I recently found out at the end of November that our home loan with Chase was being INVOLUNTARILY transferred. Mind you, we have been through hell the past 6 months. Back story... in July we found out we were pregnant with our 3rd child. August we find out we are pregnant with twins! We decide we need to look into getting a home, due to previous things with my husband's old company, we needed to raise his credit score slightly to get the best rate. So we work with a financial/credit advisor and begin the process. All is great with them! National Credit Care is an excellent company to work with!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 098be80a684045b9864fce738ff30a40
encoding: FLOAT32
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{"chroma:document": "Had a home loan that got bought from Cartus Home Loans by Flagstar. No big deal, it happens. I went through their hoops online and set up autopay with my bank account. First month went smoothly. Second month, just a day before Christmas, I get a letter from Flagstar in the mail. \"Your account is overdue! Late fees will be charged if you don't pay promptly and if you don't pay we will send your account to collections and report this to the credit bureaus!\" What the hell Flagstar? Went online, and immediately paid my mortgage for the month. However, auto pay is no longer available?! Wow, this is the worst online experience I've ever had. Will never use this POS bank for anything if I have a choice. Now it looks like I'll be spending the rest of my vacation getting re-financed so I can dump this loan and they make absolutely no more money off me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4b480ca42f04fdd8cf7c75abe61a4ce
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{"chroma:document": "I am a resident of Las Vegas but I am flipping a home in Ohio and living in the residence for a little of a year. Needing additional funds, I applied for a personal loan with Wells Fargo and, as usual, everything went smoothly, the funds were promptly transferred into my account. Note: I have my mortgage, two credit cards, my auto loan, checking and savings with Wells Fargo. However, because I was in Ohio when I applied for the loan, this one account was transferred to Flagstar."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17923b8f8750418989d356682762c826
encoding: FLOAT32
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{"chroma:document": "I opened my Wells Fargo account in Michigan when I was living there years ago. Flagstar bought out branches in the Midwest so I was forced to transition even though I now live in Nevada with a Wells Fargo across the street. I was already upset about this enough about this but I have had nothing but problems since the switch. Flagstar told me that I would not have to give new routing or account numbers to payroll and that it would be done automatically. I suppose my first mistake was trusting that they knew what they were talking about... because my money was not deposited. The online banking gets shut down every other day and if you call and try to talk to someone you\u2019ll wait on hold forever. I am sorry for all other Wells Fargo customers that got forced into this. I just opened a Chase account and will be closing my Flagstar immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6177cf2284264ff2948af99240776b4e
encoding: FLOAT32
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{"chroma:document": "I was not given a choice to have my accounts transferred to Flagstar. I learned of this first on radio. 1st mistake. They had 6 months to prepare for this and decided to do it on a weekend during major holiday season. 2nd mistake. They tried to do it all at once rather than a planned transition over time. 3rd mistake. I followed all instructions and when I did not receive cards and checks prior to the transfer I called on 2 occasions and was told not to worry and they would be there on time. They weren\u2019t. 4th mistake. Monday morning was disaster at bank and understaffed. 5th mistake. Customer service rep wasn\u2019t helpful and never returned call. 6th mistake. Not all accounts transferred. 7th mistake. 2nd bank visit required me to make appointment which rep was 30 minutes late. 8th mistake. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f33d99f368c40568cbc39539d240961
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{"chroma:document": "Fire insurance money $345,000 for dwelling rebuild (Thomas Fire Rebuild) is in an escrow account requiring home inspection to release funds. After 5 weeks and 6 phone calls requesting a home inspection I get the same answer from phone representatives. \"I've submitted for inspection, you will receive an inspection with 3-7 days.\" Every time I call they say the same thing and I do not receive an inspection. The bank is holding the money collecting interest. They claim \"we're too busy to take your call, please leave your number and we'll call you back.\" I never receive a callback, I never get a home inspection and they keep all the rebuild money in their escrow account. I have contractor bills to pay and no way of getting the money from Flagstar Bank aka. Proctor Financial, Inc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81d938764f4c4cadb61077cb22a405c0
encoding: FLOAT32
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{"chroma:document": "Since I got my home loan a year ago, it\u2019s been sold at least twice, so now I\u2019m with Flagstar. When I got the loan, I set up an escrow account to pay taxes and insurance. Out of the blue, they sent me over $9000 saying it\u2019s escrow overpayment. Why? They didn\u2019t pay the taxes or insurance. I found that out, because I got a notice of cancellation from my homeowner's insurance, and a delinquent tax notice from the State of California. Not only do they put you on hold forever, but whatever you\u2019re calling about, they have to transfer the call at least twice to get you to the right person. Each time, at least 30 minutes on hold. I am retired, but that\u2019s not how I want to spend my time. It must be even more of a nightmare if you work!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec4d04e685724edb87fd48c9ea572ac7
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank ever. I was with Wells Fargo bank but forced into Flagstar as of December. I was told it should be an easy transition, far from it. Several issues setting up online banking, and then as soon as I started using my card it would work here and there, embarrassing. I called the bank and would be stuck on hold forever and end up playing the song and dance game to get help. Then the other day I get a .27 cent charge on my card and asked if I made the purchase, I say no and ask if I need to get a new card but was told I would be fine. I go to buy groceries 8 hours later, card declined, check my account, checking and savings drained. I call the bank and after being transferred and put on hold several times I'm finally told I have to wait until the charges go through and then call back and dispute them. Because that makes total sense. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b67f8e9eb4b9482ab2b90d79cc156c65
encoding: FLOAT32
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{"chroma:document": "Flagstar Bank was one of several that I initially contacted for HELOAN bid and I moved forward with refinancing my home based on that bid. When I received the closing paperwork and reviewed it closely I noted that the interest rate was 0.5% higher than bid. When I refused to close and contacted the agent they claimed that the rate had been fixed at bid as he had stated but he accidentally used the wrong interest sheet to create the bid. We ended up going forward with the loan because interest rates had increased in the nearly 2 months it took to process our application due to highly unprofessional correspondence practices and subsequently have had ongoing trouble with their customer service. At this time I am unsure if Flagstar is actively fraudulent or simply unprofessional but I would like to warn others to be wary of their claims."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a19e7c5683249b9b669bdc8cedc07e6
encoding: FLOAT32
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{"chroma:document": "After waiting a week since the bank merger to contact CUSTOMER SERVICE, I have come to realize: This bank is a joke. How I wish I would of known this could happen (WF selling/closing branches in the Midwest) when I opened my account at Wells Fargo. WF provided me with great service. FLAGSTAR is nothing. After 4 days of being on hold for an enormous amount of time, and NOT being able to speak with a representative, I finally got thru at 7:30 AM. I am currently overseas and is not easy to communicate back to USA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66c02f9de98945ce93115f9c04334032
encoding: FLOAT32
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{"chroma:document": "Closed all of my accounts with WF before the change. Got a letter in the mail from Flagstar dated 12/7/18 notifying me that my account (that was closed) was overdrafted. I called and waited over 30 minutes on hold. They said that it was a service fee but it had been refunded. I notified them that all of my accounts were closed before the change and they were unable to tell me why they still showed one open while the others were closed. They said that I could go to the branch and close it (long lines) or write a letter and send it to the branch requesting it be closed. Call was elevated to a supervisor and she said the same thing. I do not feel comfortable just sending a letter, who knows if it will actually be closed. So it looks like I will need to take time off of work with no compensation to close my accounts...again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 506f2cc73ef14865a2dca3dcff224c2c
encoding: FLOAT32
metadata:
{"chroma:document": "Our VA Home loan was sold by Cenlar to Flagstar for servicing in November. Absolutely a clown circus for customer service and support. I have simple questions and they couldn't provide a complete answer. Just try and get a Supervisor or Manager on the phone... lol... Run, fast, with all of your $$$ and don't look back. They are absolutely the worst at everything and we've only been a \"customer\" for a few weeks. RUN!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb8dc05036a04338951fecf8f33d47a5
encoding: FLOAT32
metadata:
{"chroma:document": "As I entered the main branch downtown I could see there were a lot of very unhappy customers, and the flip chart displayed clearly spelled out those things yet to be satisfied like the ATM machine, which, I would think would be the most immediate thing to be operating after the name on the bank's sign was changed, or before! These people would have been perfectly at home carrying ball bats or axe handles, like in the old west days, but no outward displays of hostility erupted, at least while I was there. Hopefully, this will prevail, but for how long?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1163b233c0554ebc88cc9efaec4939d1
encoding: FLOAT32
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{"chroma:document": "Just another angry customer whose Wells Fargo account was transferred over. This has been the WORST experience. App doesn't work, website doesn't work, on hold now for 31 minutes and counting on the phone. Debit card doesn't work in the ATMs, I have no idea how much money I have in my account and can't find out. Once I find out, I'm taking it and closing this account. I will NEVER bank or recommend Flagstar. This is ridiculous. And just SUPER happy this is all happening right before Christmas... If Flagstar wasn't equipped or able to handle the transfer they shouldn't have done it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b8cf127b4bf4119aece52bd5c376f2a
encoding: FLOAT32
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{"chroma:document": "Horrible customer service. I was a Wells Fargo customer. Said direct deposits would not be affected. Still have not got my money. All they could tell me was pull out cash and put my account into negative. And every question I asked was answered with, \"I don't know.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 70c83e801a91461d85c41fb2a535ab12
encoding: FLOAT32
metadata:
{"chroma:document": "\u201cTransition\u201d has been a week. Still no access. Direct deposit not available, worst customer service possible!!! Sleeping in my car because my money is not available and it is 15 degrees outside and I am 300 miles from home!!! Definitely getting rid of this bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a865655bbfd4ca8b281963e817fc0b3
encoding: FLOAT32
metadata:
{"chroma:document": "I did not want to become a Flagstar customer, but Wells Fargo sold my loan account. Now I don't have access to withdraw money, and their online banking system doesn't help. I've been on the phone for 35 minutes and counting. Transferred to my 6th customer service rep, and still, no one can help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad4ee834675d497cbc515b1f5bba3583
encoding: FLOAT32
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{"chroma:document": "Well over one full week with absolutely ZERO access to banking, no balance, no deposits, withdrawals, unless I go stand in line for 45 minutes at local branch. None of the options work on the website. NO ONE ANSWERS THE PHONE WHICH THERE IS NO EXCUSE FOR. HELLO? YOU HAVE PEOPLES MONEY! I understand this was a transition from Wells Fargo, but why make the transition if you are not 100% ready, this shows the decision making ability this company has, BAD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a18092132fbb481caf663247772966ab
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 01/24/2019: They refuse to let me pay my monthly mortgage payment early. I have to fight with them to fix it. I'm military deployed to Africa so I want to make sure the payment gets there so I pay early. They keep putting the total payment as the principal so when I make the next month payment it's later than it should be. I keep asking them to sell my mortgage. They are the worst."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3753b91072a947e2b54f2a813c8c4bc8
encoding: FLOAT32
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{"chroma:document": "I\u2019m another one of those Wells Fargo unfortunate transfers. I was told, at least at my branch that only the ownership was changing and specifically told my money would not be touched. This change happened while I\u2019m 1000 miles away from home and all of a sudden my card, only funds on me, don\u2019t work. I\u2019ve tried to call several times over the past few days and every time I\u2019m on hold I\u2019m hung up on. So thanks to this. I\u2019m stuck indefinitely here, missing finals, doing weird desperate stuff for money just to feed myself, and trying to open a new bank account somewhere else. Thanks Flagstar."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6836fc88762495ab5975f0aed731545
encoding: FLOAT32
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{"chroma:document": "Unfortunately, I am one of the victims of this transition who still cannot access their accounts. On December 3rd, I attempted to set up my online banking at flagstar.com with no success. I had followed the instructions exactly and even went as far as to try on different computers with different browsers. The number I was given to call when receiving the activation error gave me a recording and then promptly disconnected when I called it. I continued to try the number and also the activation on flagstar.com periodically throughout the entire day, with the same results. My local branch is open 9-5. I work 8-5 out of town and have to take time off work in order to do banking at my branch. There are no other branches closer to my work, which is 30 miles away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5af998f808164d37b5ad344ef3122e52
encoding: FLOAT32
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{"chroma:document": "I'm writing this review while being on hold already 45 minutes! I had a business account with Wells Fargo and have extreme regrets that I didn't research Flagstar prior to the takeover date. I'm furious because I really don't have any extra time to wait in the long lines at the branches here in South Bend nor do I have time to wait on hold for what has now been almost an hour. Did I mention I tried calling yesterday and the same thing. I went to the branch and because of the long wait time I couldn't stay. There is no helpful information on their website about setting up an online account and I quite frankly will have to bite the bullet and go wait in line at a branch! Yes~ as soon as my account information is straightened out I will be changing banks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f43eec1e8664bfcb58f19775df913d6
encoding: FLOAT32
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{"chroma:document": "They raise my interest rate more than the Feds raise interest rates. They charge a $50 ** fee on your HELOC to \"maintain a revolving line of credit\". They tell you if you open a checking account with them with $200 they will reduce your rate by a half of a percent. They do, but if you don't use this account every 60 days they take $60 out of it as a penalty. By the time I found this out, my account was down to $60. I HATE THIS BANK. I will be transferring this loan as soon as possible and hope to never do business with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66cc476931be43e3ae5346f91b46d051
encoding: FLOAT32
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{"chroma:document": "I normally am very caution and do not write negative reviews only positive ones. I have been in the customer service in 3 different industries over the past 30 years. There is too much negativity in the world. But after spending over 4 hours on hold over the past 2 days, enough is enough. I thought that I was fortunate enough tonight to actually get through to Flagstar customer service after 45 minutes on hold. I spoke to someone named John; he was terrific even though he could not help me access on accounts online. He promptly, after trying a couple of different things send me to tech support. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0b93f764ce54c5c864116dc54168274
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar Bank is horrible. Like a lot of people on here I was a Wells Fargo customer who was forced to switch. Flagstar has made it very difficult to even set up an online account and access my money. Luckily I have an account with another bank and have some funds in there. As soon as I am able to I will be closing this account and putting everything into another bank. Their customer service is terrible and I advise against joining them. We received word that Flagstar bought Wells Fargo branches back in June. That was six months ago, they should have been prepared for this. They are completely unprofessional and not worth your business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9fd0c52f0ad1421f8d971a46287963e5
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{"chroma:document": "I am also one of the incredibly dissatisfied former Wells Fargo customers. I never received a debit/ATM card or any checks in the mail. I'm unable to access my money or pay my rent because of this issue. After waiting 2 hours on hold with customer service, I was told that my debit card would arrive in 12-17 days. Are you kidding me? When I asked what to do with my direct deposit, the agent said \"I think it should be okay.\" What does that even mean? This is my only checking account and I can't afford an \"I think\" statement. Terrible bank and terrible customer service. I'm switching banks as soon as I can access my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8878a93b9554417f99c995bc17642023
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst transition ever! I do not know why Wells Fargo decided to sell Indiana based accounts! I am unable to access and view my account information online. I also called 3x, only to be on hold for over an hour or so!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b17845989d0e4540ac851b82ac5d8bf8
encoding: FLOAT32
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{"chroma:document": "This bank overtook my original bank (Wells Fargo) and had nothing in place for the overload of the site. I went to the office today, typically no wait and found the entire lobby full of people making attempts to update their banking information. The computers would constantly freeze up or the associates had no idea what they were doing. I waited 3 hrs and ended up leaving. I\u2019ve now been on the phone for an hour waiting to speak with someone. This was completely avoidable but Flagstar did nothing but send wrong info in the mail and now I cannot get on to check any of my banking information. I will be going elsewhere, especially after seeing all the negative reviews. Why chance my money to a bank that can\u2019t even put infrastructure in place when taking over a mere 52 branches."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b646ceb82ad42de8adc1530d09aefc2
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{"chroma:document": "I wanted to move to state that still had Wells Fargo. However I missed deadline. I got all my new intro pamphlets in advance. New courtesy checks, and deposit slips. Read everything & activated new card, took out some cash for weekend, and prayed. My auto deposits have cleared, my balances have transferred over, atm card worked smoothly, and I notified all auto parts of new routing number. Cannot get mobile app to download, and mobile banking is offline today. I'm sure a few days from now all will smooth out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac2247d099354170bca79ecd8e7d6711
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{"chroma:document": "I am one of the new Wells Fargo customers and this transaction has not gone well at all. Both my wife and I are on the account, but only she got the ATM/Debit card. I called and they said I would need to wait till Mon 12/3 to order a new one, they couldn't help. We never received our checks they told us they would send. Our son also banks and has accounts with Wells, he never received his ATM/debit card either. I tried the online banking here on 12/4, I get a \"system error\" message and to try back later. I can't get to my accounts, pay bills, we only have one ATM and I was on the phone for 15 mins before finally hanging up waiting on customer service. Terrible transition, terrible customer service, terrible bank - we are looking for a new bank right now!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0e921d0472e412a9a4872d75b132454
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{"chroma:document": "I was stolen from wells Fargo from this bank. Transition was supposed to be smooth. Everything supposed to be easy. NOTHING has been smooth or easy. I called customer service for assistance and I was on hold for 2 hours just to have them drop my call. I can't get logged into online or mobile banking. They said these would be available at 9am on the 3rd, not sure when they actually were, but this is the 4th and finally got the mobile app, even though I can't log into it. Calling them just to get deposit information is impossible. Wells Fargo was so much easier. I shouldn't have even been switched because there are no Flagstar banks in the state I live in, hope there never will be. I've already created a new account through wells Fargo and will no longer deal with Flagstar once my direct deposits can switch over. I recommend no one to this bank... find another!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81dc5464f5234a81a9b0082820ab6d66
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{"chroma:document": "I am one of the Wells Fargo customer that got sold to Flagstar Bank. The experience has been horrible. Our checks only have my husband's name on it. I called them to let them know there was a mistake and they told me there was nothing they could do. They gave me the check ordering number and I was told they could not change the name on the check because of security reason. I have not been able to download the mobile app. I send an email and the response I got was they would answer me in 3-5 business days. Really!!! I did not ask to go to this bank and I and shopping for a new bank. They told us it would be a smooth transition, I am still waiting for the to happen. I am worried that our payroll direct deposit will not make it into our accounts but we will have to wait and see. I guess they don't realize it the first of the month and people need to pay their bills. I would suggest to transfer your account out of this bank as fast as you can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40626d1ac7dd4e67a97227ed2be65a39
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{"chroma:document": "Currently Flagstar bought out Wells Fargo in our area. I was not exactly happy about this transition but wasn't a huge deal at first I guess. However, they decided to do the merger at the beginning of the month when people need to pay their bills. This would be fine if it was a smooth transition. First of all there was no notification process. So now my account is disabled at Wells Fargo and I have no idea why. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 678c8945a9f04c279f1d88d17e50d920
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{"chroma:document": "Our loan was sold by a local bank as part of a bank merger. NOTHING has gone right. The website is a joke. The customer service is the worst of any business I've EVER done business with. The wait times of 45 minutes is ridiculous and the phone message you receive while on hold - 'we do respect your time and appreciate your call' is insulting! I've been dealing with a flood hazard insurance issue (even though our structure is NOT in a flood zone) for over 3 months. Buyer BEWARE. The 'mandatory' flood insurance forced an escrow shortage, even though I submitted FEMA documentation/map that identifies structure is NOT in flood zone. There no provision to appeal or correct. If a mistake is found, once they don't refund you money - they apply it toward your loan balance (so I've been told)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d25d89b6e45c4ac68788599ba77d235b
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{"chroma:document": "If there was a zero star to earn this bank would earn it easily. My account was transferred from PHH mortgage 2 months ago. The options for making an on-time payment are few. The website is down and the service representatives have not been trained to handle the high call volume. They informed me that my account was in lost mitigation when in fact it was not and the next customer service representative could not take my payment because her system would not allow. For the last 2 months have been a headache. The website is not friendly and provides minimal information except for that 15 fee to complete a payment over the phone. This company makes customers feel like a 3rd party lender who is out to take your money. I would never in a million years submit an application for any of their products! BEWARE. They feel like scammers."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "Cenlar sold my loan to Flagstar. I tried to register with Flagstar before my loan due date on 12/1 and the website was down. The bank had a phone message stating they will not charge late fees due to the disruption in service. When I was finally able to log on on 12/1 they charged me $15 late fee. They charge you $15 to pay your bill over the phone even though it is automated. I have had other mortgage companies in the past, Flagstar is the worst, fees are excessive and staff is not accessible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 452d9f69fb204461a794cf7d21d23bda
encoding: FLOAT32
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{"chroma:document": "They have three ways to pay. Pay online for free but their system is broken! You can't even log on to register for the my loans to pay them. You can mail a payment but who does that anymore or you can pay by phone but they charge you $15 to take your money which is about as ridiculous as it could possibly be. So in short they are terrible. I wish I would not have been switched from Cenlar to this sorry institution. I would not recommend anyone using this jacked up bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34cf2731a7ee4e83893bd2c0654e72ed
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{"chroma:document": "After Hurricane Florence damaged our home we sent our insurance checks in to start the repair process. Well 2 months later and we haven\u2019t received a dime! If you're planning on using Flagstar, DON'T DO IT."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef106c10f6bc46e599c059290a5e284e
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{"chroma:document": "It's bad enough to have to be victims of a national wildfire disaster (Thomas Fire of Ventura CA 12/4/2017. But, to have our mortgage company treat us like this is wrong. I thought evacuating our home during a wildfire was horrify enough. I was wrong, dealing with Flagstar Bank has been the worst. They don't answer their phones, they don't return calls and I have even called many times to be placed on hold while I wait for assistant. The average wait times is 60 minutes, and don't count on them to even answer or pick up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e12c12488da14de5a9c70fcdb0162b1d
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{"chroma:document": "Last year my mortgage was sold to Flagstar. I am a good customer and pay my mortgage early every month. I had a flood in my home; the insurance company sent the check to the bank. I was forced to pay for all repairs out of pocket. I fought with the bank for the insurance funds and after completing the inspection, they still owe me almost $4,000. They refuse to give me MY money back. They have an excuse every time I call. First, I have more than an hour wait each time I call. They have a different excuse, at first they blamed me for not getting all the paperwork correct. I paid a lawyer to fill it out, so I know it is correct. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e96e80efe041494cbb1f429a33461733
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{"chroma:document": "Consumer beware! I have now been in the process of taking out a small home equity line of credit with Flagstar for SIX MONTHS. They take weeks to get back to me. They lose documentation. They say the loan is almost approved and then weeks later, they demand MORE documentation. I'm overqualified for this loan, have sparkling high credit, a high net worth. I'm the kind of borrower banks trip over to snag. Yet I've been stuck in purgatory with Flagstar for 6 months. The process has taken so long, they are now demanding updated documentation. They have lost my corporate tax returns. It's insane!! RUN from this lender."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 704d34d363e14665b7a5be36ae130c78
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is a joke. Never found a bank so slow-- always. Takes them at least 20 minutes to complete simple transactions. Try to create online account, can't. Not enough space on THEIR part for my long email address. Use a different email. Type in a username. Type in a password. Tells me password cannot contain username. So, try to create new username. Won't let me. Close browser. Get online again. Go to Flagstar. They have decided I have signed up for online banking, when I did not complete the form because of their requirements. So, I \"log in.\" Tells me the info is invalid. No **, Sherlock! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c2ea4b0123c4fafa6ae15fe23110e93
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible customer service. When you call them they state that due to heavy call volume it might be a wait. The same message has been there for MONTHS. I have called this company trying to notify them that they need to pay our clients home insurance premiums and have been placed on hold for over 45 minutes without reaching anyone. TERRIBLE CUSTOMER SERVICE. If you can, leave this lender."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f75acc78b2c846e5ab49b1ccafad20d9
encoding: FLOAT32
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{"chroma:document": "Flagstar bought my loan, and since then it's been AWFUL. They didn't include my homeowner's insurance in escrow even though it was clearly stated in my closing docs, and had been set up that way for previous years. I received a notice from my insurance company that if I didn't pay they would cancel. I called Flagstar and their customer service didn't even say sorry. Then they didn't have enough money to pay the insurance. A month later, property taxes were due. Then my escrow went into the negatives. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0cc32fb680544331bf9031dd7bc77373
encoding: FLOAT32
metadata:
{"chroma:document": "This Bank has the worst customer service ever. Waited on hold yesterday for almost 3 hours to find out where my check was. Finally found a person in customer support to help. Said they would get back with me the next day. Never heard back. Need my check to pay contractors. Worst systems I have ever, ever seen. Romper-room stuff... No email or callback system. You just sit and listen to their stupid recording play over and over. If anyone else has a similar issue you might try calling Stephanie ** at the corporate office **. She is the VP in charge of the insurance area - and obviously in way over her head!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31503234a16546868989d78cd1ba440e
encoding: FLOAT32
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{"chroma:document": "I have an insurance claim for damage from Hurricane Maria. I filled out all the forms and everything seemed to be going along ok. They sent me a first draw check from the insurance settlement. I got some work done and then requested an inspection. Inspection done and second draw check mailed within a week or so. I completed all work to my house and got the final inspection done. 2 weeks later I call to make sure everything is in order as I'm expecting the last check in the mail any day. They tell me they're moving things from Detroit to Arizona and my claim shows no paperwork at all in the file. Are you kidding??? Asked for a supervisor, they say none are available. They can put me on a callback list. The work on my house is done and I need that check as I took out a loan to cover the repairs. Horrible customer service. Sent an email to their CEO. Ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 374bb63d2f0d49028bccbf716c114280
encoding: FLOAT32
metadata:
{"chroma:document": "Our insurance company (AAA) had to put our name and Flagstar Bank our insurance check. Recent fires has left us with a considerable amount of smoke and ash cleanup! We had to send them the check... We have never heard back from them??? This is more than a month now! In the meantime we are breathing the ash and other toxic materials that were left behind for the fires. I can't afford to pay for the clean up out of pocket. So we just breathe the stuff... Probably need to hire an attorney and sue them for damages to our lungs and other organs! I have been fighting cancer and I am sure this will just aggravate the issues. I have been looking for numbers to call...now that I am on hold with Flagstar insurance of 2 hours plus. About the animated message they play every couple of minutes. They have respect? I don't think so! I am so not impressed with this horrible company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1daf1e3e3ecc4169ac8883244f45a606
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{"chroma:document": "After a hail storm in July, I was able to get insurance storm adjuster out, and got check for damage. Since made out to my wife, myself and also mortgage lender, was told to send to Flagstar. They have since moved claims department and apparently can't find check, but I have not been able to talk with anyone or send email or contact anyone. It's like they have their money, now don't care. Regardless, I got my roof totally repaired in early October, but can't get moneys back from Flagstar to pay them. And I don't have $15,000 sitting around to pay it myself. Contractor has been done with work for over a month but I cannot get contact anyone at Flagstar. This is the sorriest excuse for a bank I've ever worked with and I'm almost 70 years old. Today (11/14/18) I have been on hold for over two hours with no one answering the phone. Help!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73ddf7d3e43040659e60da3c87291c73
encoding: FLOAT32
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{"chroma:document": "I wish my mortgage wasn't sold and yet I can't refi since it is a rental. These two department need to communicate with each other (loans and insurance). Never have I ever received a final notice on anything. This bank threatened to buy insurance for me, but yet they never communicated to me that they switched insurance departments even though they sent the letter on Oct 31st and switched on Nov 1st. Really??? I agree with everybody. Short of filing a complaint with the Michigan state banking commission, trying to get a solid answer from Flagstar has without-a-doubt the worst customer service of any bank we have ever dealt with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa82cdd49d4e4016b03fed5efe0e4f04
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{"chroma:document": "I\u2019ll start by saying that since January 2018, when I experienced a flooded basement due to a broken pipe, I have been fighting to get my home back to its original state - it is now November and I live in the northeast US - I still have a home without heat... Representatives to respond to emails, customer disservice pushes back to the rep handling claim...it\u2019s just a nightmare. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15d37dc20fad41cd991c7b78e93f4b9c
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Flagstar Bank goes beyond imagination. They sent two check for the same amount to the same insurance company with only 10 days apart. I called them 29 days ago and they said that it was fine that the money of one of those checks would be posted back to my account. For the last 10 days I have spent every day over one hour on the phone talking to them and to a supervisor. When I don't get hanged up, I am told a whole different story by the people I speak to. The story ranges from, they don't have any information so they don't find the check or they just blame it on the insurance company. I am still waiting on my money. They don't give it back. I have been robbed by this bank. They charge me a high interest rate, yet they have my money and pay me zero. I don't know what to do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cd0dc66ff3e4f6ea1a32440bb6e2c4b
encoding: FLOAT32
metadata:
{"chroma:document": "Short of filing a complaint with the Michigan state banking commission, trying to get a solid answer from Flagstar has without-a-doubt the worst customer service of any bank we have ever dealt with. We have over $16,000 in insurance checks that needed a third party signature so we sent them USPS signature required in the belief that the return checks would be sent back to us in a timely manner. We were sadly wrong. The return signature indicates that the checks were received on October 26th but while trying to follow up with customer disservice were were first told they couldn't find the checks. Now, with the past several time wasting calls we are being told that they are updating/changing their computer program and can't see if the checks have been sent back to us. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f25eff03fd5429a8b85979b717dab0d
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{"chroma:document": "I have spent years with other companies without any problem. Flagstar has been a total painful experience. Our original finance company sold our contract and the relationship has been downhill ever since. The main current issue ongoing was insurance coverage during the transition. We have always been covered from day one but Flagstar is trying to charge us for their lack of understanding the basics or just plain old piracy. Nothing to do but endure or refinance away from this pitfall. As a professional engineer, I truly believe they are not worthy of any business based on the customer experience we have endured. Bottom line up front, if you hear of see the words Flagstar Bank, I would advise you to turn away and refinance elsewhere. Hope this heartfelt comment is useful to others."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1bff49e2843c412caf51d91e346699ed
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{"chroma:document": "It seems like there are a lot of people in the same position with their loss claims and Flagstar not releasing any money, enough for a potential class-action lawsuit. I might be updating this review with an email to put that together if I see a few more. My repairs on the insurance claim was completed months ago, and I haven't even received initial payment for the materials. Their loss claims department tells me checks were mailed if they even respond to emails. They don't give me a phone number to call. I've spent 4 hours total today on hold with the department and, I kid you not, they transferred me to HERTZ RENTALS at one point. This is, without a doubt, the worst experience I've ever had with a bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 506b5899fc8d470194825c9b1d5fbe41
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{"chroma:document": "It is sad that I have to give Flagstar a single star... should be zero stars! Flagstar Claims personnel failed to follow-up or follow-thru on anything they said they would do. Example: my home was damaged during a hailstorm in Fountain, Co in June 2018. We immediately filed a claim with USAA who inspected the damage and cut us a check all within 2-weeks. However, USAA is required to put the check in my and Flagstar's name. Because the damage to my home exceeded $20K, I also had to file a claim with Flagstar. They indicated it would take 5-7 business days to process and re-issue the check so I could get a contractor to begin working to fix the damage. After waiting 3-weeks and still no check, I called again. They indicated there was a mistake on the paperwork which we completed on the same day and emailed back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96999dd8fe3642519d139121e4a3875b
encoding: FLOAT32
metadata:
{"chroma:document": "This company has been okay until I had hurricane damage to my property. They are very unprofessional and incompetent. They have been holding my final insurance payment check for over a month now! They first were insisting on additional docs that were hard to get from insurer, but I finally managed to get them. Sent them to them via email and I keep getting the run around. Every time I call I get different answers and they keep stalling, holding my insurance check, refusing to release it. They think it's a big joke and act like they're above the law. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d310edde71844496a7d37e7b16e0c2bd
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{"chroma:document": "First... refinanced with Flagstar and everything seemed to be going fine until, ten months later, that they had bought an additional insurance policy for some reason? They already had my Allstate information so I can the additional policy and upon threat of being sued, that company refunded my money. Flagstar denied any wrongdoing. Warp ahead to 9/18... I just finished refinancing with LoanDepot (a much better company) and the amount they sent Flagstar was about $1400 more than the loan balance. After several months of phone calls the final story was that I owed several days of additional interest (amounting to $1100) so, I advise anyone looking at Flagstar to RUN in the other direction as fast as you can!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3231153b5694ed281a9355d53bf9ab2
encoding: FLOAT32
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{"chroma:document": "I honestly have no clue why there are so many bashing reviews on this company? My mortgage loan was bought by Flagstar Bank and it has been effortless with their online banking system. I have used their online chat to get a question of how do I set up biweekly payments and the question was answered and the form sent out immediately. I've set up my payments and have had zero issues. I will most certainly update this review if anything should change. When I first learned that Flagstar bought my loan, I looked up reviews and they seriously had me scared. At this point, I literally have had zero issues and every interaction has been positive."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6900ab5897794e559ffeca20ccc4ae87
encoding: FLOAT32
metadata:
{"chroma:document": "Our loan was bought by Flagstar, it has been a nightmare ever since. Their customer service is revolting, I would never ever ever willingly choose this bank! Immediately after they bought our loan we started getting letters in the mail from our insurance companies saying we were past due, requesting payment, and threatening to lapse our insurance due to lack of payment. I spent over 3 hours on the phone trying to get them to pay the insurance, and they were completely unwilling to help. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1be11ff68b1414485740a27c3031461
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metadata:
{"chroma:document": "I sent in my mortgage payment in for $3500.00 and on the check was written Three Thousand Five hundred. They cashed my check that was written $3500.00 for $35.00 and put me in default. Customer service representative argued with me that the legal line is not the writing. Wish I had a different bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84ded6bdb9b245cdab8770017f3c8cfa
encoding: FLOAT32
metadata:
{"chroma:document": "Wish I could give them 0 stars. Seems like a bank which hasn't learned anything from Wells Fargo fiasco. They ran escrow analysis for us and charged PMI twice asking for around 200$ more per months. I have been reaching out to their customer support with no luck. Wish I could get rid of them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 126929b55b5147eea20f029cd107b20c
encoding: FLOAT32
metadata:
{"chroma:document": "Asked a simple question about insurance escrow and they refuse to answer it before their scheduled escrow analysis months later. Worst customer service I ever heard of. Meanwhile my payment accuracy is in doubt and may be paying too much every month. Ridiculous!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ca49896014145d08b3479d4d49f94cb
encoding: FLOAT32
metadata:
{"chroma:document": "I really have a hard time paying for something that benefits billion dollar companies. Specifically, I'm speaking of PMI. This insurance benefits Them not me, yet I have to pay for it. I put 10% down on a home loan and they forced this insurance upon me. I inquired as to how I can have this removed. I was told it would automatically be removed when I reach 80% of the loan paid. Once that happened, it was not removed. Instead I was told that I now had to reach 78%. Once that happened, it was still not removed. Instead I was told that I would need an appraiser to come to my home and reassure the LENDER that my property has not gone down in value. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a44f12b33fc4cc7a52f7b85eb7a5c60
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{"chroma:document": "Working with Flagstar to refinance my loan started out to be a great experience, but then went downhill. My insurance was due around the time of the closing, so my loan officer unilaterally decided he was going to pay off the insurance. He told me I needed to bring a check to the closing to cover the difference in paying off the insurance. I told him I didn't agree to that and I wasn't prepared to do that. He got very angry with me and yelled at me on the phone. He told me that paying off the insurance HAD to be done and not paying it was a deal breaker. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 216eb9c7a35947aeaf1fd26cdc20c549
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I could give this company a zero star. I refinanced my home through a different mortgage company. Within a month, they sold the mortgage to Flagstar. Shortly after, I went through a separation and divorce. I am currently a single mom. Payments fell behind (no more than 3mos). I have brought the payments current...yet for some reason they continue to tack charges onto my statements and holding over $1,000 in a suspense account. (With a mortgage payment of 1234.00 a month, I have paid to date 6300.80 in the last 4 months. That's over an entire extra mortgage payment.) Each time I pay the new amount to release my money...they add more money owed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21112a91158245889367f28a2b484ad9
encoding: FLOAT32
metadata:
{"chroma:document": "Please have somebody review how Flagstar confirms hazard insurance on properties with a Flagstar loan. They keep sending notices that the insurance was not renewed and that they will issue expensive insurance on your behalf. The problem is that the insurance (help by the HOA) is not cancelled and has never cancelled and the policy is with the same vendor since the beginning of the loan. The employee didn't even have the number of the insurance carrier or a contact number on file. Twice they have sent me this correspondence and it takes great effort to correct it. Somebody at Flagstar is dropping the ball on confirming insurance updates. It makes you think they have a side job selling expensive hazard insurance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7435d86503194c8988ba8e284d4dc220
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{"chroma:document": "My father recently moved to Florida from Michigan. He had been banking there with Flagstar bank, in Northville Michigan on Haggerty and 8 Mile Road. He opened up a bank account in Florida at Chase, and requested that Flagstar transfer his money there. They would not wire it, and they indicated they would send a check by mail. This is a large amount of money: $70,000.00. They insisted on doing it in this fashion rather than wiring it. They claim to have sent the check via UPS overnight via UPS. My father never received his check. They claim that they have sent it via UPS. That UPS has lost it. They beat around the bush when we ask them how they are going to replace this check and to top it it all when we had a conversation by phone about this issue, they hung up on us!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83787520bbbc4b5f8c3ce8245e0e85dc
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{"chroma:document": "Just got a mortgage with Flagstar in April 2018. Shortly thereafter got a letter stating we did not have hazard insurance and they would purchase insurance for us at a much higher premium. Contacted Flagstar and they called our insurance agent in a 3-way conference call. Our agent assured them we did have insurance and sent them the proof of insurance and Flagstar agent assured me all was well. Today, June 19, 2018, I get another letter from Flagstar stating we did not have hazard insurance and they were going to purchase us an insurance policy for $6,393.05. Our insurance only cost $1100!!! So now I am back on the phone with Flagstar trying once again to get this straightened out. I may be in search of a new mortgage company very soon as this experience is definitely not to our liking. Don't go to Flagstar for a mortgage! I am obviously much more capable of handling my own escrow than anyone in their employment!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08123ce01e214f7d9b194d1efd529ea4
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metadata:
{"chroma:document": "HORRIBLE CUSTOMER SERVICE and UNETHICAL - AVOID IF POSSIBLE. Getting a loan through Flagstar has been one of the worst experiences we have ever had. From the \"senior\" loan officer Geofrey ** to the branch manager Andrew ** the work ethic and communication have been unprofessional, at times bordered on deceptive, and have been with no apparent recourse. Our real estate agent has been in business for 35+ years with multiple industry and community awards and also shared our sentiment about the way that Flagstar does business- in fact our real estate agent informed us that she had advised clients to decline offers made on homes based on the funding being through Flagstar Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21bfda2b38c34214adc3887960c7b1c0
encoding: FLOAT32
metadata:
{"chroma:document": "We should all get together and SUE the Flagstar Bank people. They are by far the worst company in America. They kept asking for proof of flood insurance, sent several times. Now they want two separate policies, homeowner's and flood insurance, because they are combined. I've asked them numerous times to show me in writing a policy or procedure requiring this, no one can. I received a letter from them saying they have bought some flood insurance for my home for over $5,000 a year. Looks like it's time to bring in the ATTORNEYS, this company should be investigated and shut down."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e720f46780147d58c42d4862ccdfbec
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{"chroma:document": "We Bought a house and our mortgage was sold to Flagstar Bank. Then we sold our old house and wanted to make a large principal payment to eliminate PMI and save over 2k a month on interest and bring the large monthly payments down through reamortization. We had to get our 1st mortgage company to help us get Flagstar to even start the process and they stalled another 2 weeks then Flagstar would not let us make the payment before paying our large mortgage payment with excess interest fees one more time. Then we paid the principal down well beyond the \"80% Loan to Value Ratio\" after owning the house for only 3 months but Flagstar did not remove the PMI. Loan to Value Ration needs to reach 80% to remove PMI. Our LTV is at .076 (between 7 and 8%) (10 times the requirement)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d2ffe51e4a04beaaebca01a7092f7a2
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{"chroma:document": "I work for an insurance company and have my policy with my company. When Flagstar was contacted 2/20/2018, they requested my insurance to see if I had any. I had had a policy since we purchased in 1/3/2017. I gave them both since it is a wrap around with fire (CFP) and Farmers. No problem. Paid CFP myself. They just needed to pay Farmers. My policy almost expired. This is in my escrow account but would not pay it. Then I found out that last year I had an escrow check, which was sent to wrong address so it went back to Flagstar. I contacted them and they told me that since it came back to them it was added back in to my escrow account yet I received from my tax the 1099 saying I received money. No I did not. And no I cannot get it back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53259ab70e9b44968e6b4ca551d053ca
encoding: FLOAT32
metadata:
{"chroma:document": "We have been with Flagstar Bank for years, my son bought an item online for $4.95. The online business is scam. They end up charging us $89.95 for S&H. We called the card dispute at Flagstar Bank. After 3 months waiting for the dispute they decided to pay the online business. Because of the terms & conditions on the 10th Paragraph/page in a very fine print says they will charge us the $89.99 for S&H if we don't contact them within 15 days. Well we did email the company and they never responded, their email system works within their webpage, so we have no record that we sent the email and when we tried to call them it is all automated and no one answers the call. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2480223388744788ab4032a29772632b
encoding: FLOAT32
metadata:
{"chroma:document": "Old, clunky, slow, hard to work with. This is a company that refuses to use technology. Try updating information, paying more, or just simply getting any level of help from them. Impossible. They can only operate via fax or mail and that is on their best day. The internet scares this company, but they love a good call center with lots of hold music and no one who can help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4d805b5bb06434f9f137e315914c0b0
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{"chroma:document": "545% increase in Hazard Ins. Coverage cover their mistake! I refinanced 3 rentals and my personal property through a broker & Flagstar bought my mortgages. The same mortgage broker handled all loans; three were closed on the same day; 12/1/16. All monies to pay taxes and hazard insurance were escrowed. Seven months after the close (July 2017), I received a letter from Flagstar that they've just uncovered that one of the properties did not have hazard coverage and that unless I produced evidence of coverage from the date they bought the loan package (12/16/16 was what they claimed was the date they did this). My insurer sent a letter requesting payment from them from escrow on 11/16/16 (they provided a copy to me--with the correct Flagstar address). Until I provided evidence of this, they had claimed they had never received a request from Nationwide. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c21b73de8fe4f238df6c6bcd99a44f7
encoding: FLOAT32
metadata:
{"chroma:document": "This company is so annoying. I am a vet that was given an opportunity to lower my interest rate. But to tell you what if I had read reviews with this company I would have not done it. I was already shady bout starting a new mortgage with a new company. And these people showed me why. They call me every month after I asked them not to call. To ask me when I\u2019m gonna pay my mortgage if it\u2019s not in by 1st of each month. That\u2019s right there gets on my nerves. I have had to damn near cuss people out every month. Then the lady got the nerve to say, \"It would be annoying if we got you with a late charge every month.\" Look here first I have to be late to get a late charge which I am never late. So why call me, \"Oh we won\u2019t call if you just go online and set up a future payment.\" I know that... Stop calling me!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38ef5067cc5d4108b56ef28984fdb012
encoding: FLOAT32
metadata:
{"chroma:document": "There is a rule for FHA loan regarding PMI. When I signed up for a Mortgage Flagstar didn't explain that at all. When I later inquired about dropping PMI, I was told that there was a rule that one has to keep PMI for at least five years. I contemplated refinancing as my equity was such that I would not need PMI. Interest rates were still around the lowest point in decades. I kept my business with Flagstar. Now the five years have expired and I am being told that there is another rule and it has to do with reaching a certain level of equity. Somewhere around the 20% range. My equity is between 45% and 50%. Another rule: It has to based on an assessment from five years ago. Bottom-line: Deal with a lender who gives you full and honest answers and that is not Flagstar."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 659e30cf0bb24f1384a4e77acfb533f3
encoding: FLOAT32
metadata:
{"chroma:document": "I received a notice that my rent would increase due to my escrow account going up. I explained that I was not able to afford the entire increase and would be $78 short. I was told that was unacceptable and they would not accept my payment. I was then transferred to 3 different people and when asked to speak with a supervisor she was VERY rude and threaten me with a late fee and reporting to the credit bureau. No one tried to help me nor understand my situation this one time. I will be refinancing ASAP and will not refer ANYONE to this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eec9509d52d14824957debfce7eba887
encoding: FLOAT32
metadata:
{"chroma:document": "On 11/16/17 I sent in the full payoff provided to me by the payoff department at Flagstar. After about a month, I contacted the bank because I had not received my title. At that time I was told that because I did not send the payoff by certified check that I had to pay an additional $105 in interest and fees. Of course they took the payment that they received on 11/16. When I asked why I should pay the extra fees I was told because their system processes the payment differently. Flagstar received and accepted the full payoff within the payoff period. Because their system processes it incorrectly I am penalized?? That should be illegal!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: deb00cfce1f44ca3a890b87525a671a3
encoding: FLOAT32
metadata:
{"chroma:document": "The main issue I've had with Flagstar over the past two years that I've had a mortgage with them is their lack of clear communication. The paperwork they insist on sending in the mail, their website, and information given to me over the phone never match up. This has been an issue since day one. It has become a more dire situation since my house flooded during Hurricane Harvey. I took the 3 month deferment on paying my mortgage. At the end of the 3 months I arranged to pay the arrears payments over a 6-month period."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5dd2b73fdfb4b0bb948c44857d320e2
encoding: FLOAT32
metadata:
{"chroma:document": "This company should have -5 (minus 5) stars They have an auto-dialing system and are located in Michigan. I am two hours behind, Mountain Time. They will call my number 15 minutes after my time, so needless to say you can't speak to anyone because they are closed. This is senseless and annoying and they say they can't do anything about it. This is the worst company I have ever dealt with and they continue to be impossible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b270dd967c5a45a3a3bbbde536be589a
encoding: FLOAT32
metadata:
{"chroma:document": "I used to like this mortgage company and then today, two days after cancelling an online payment on their website in which I also received a confirmation number, they charged my bank for a second mortgage and overdrew my account. I called the company and all I got was demands about what I had to do to get my money back. Not even an apology. Then, when I asked to speak with a supervisor, he was condescending, arrogant and rude and continued to try to talk over me. Kinda one of those guys with a man bun and skinny jeans sitting at his computer playing Call of Duty and then claiming to be a veteran kinda guy. You know the type I mean but I digress. This company sucks in my opinion and all it took was one unlawful withdraw from my checking account, one smartass customer service rep and an egotistical supervisor for me to change my mind and post this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 436c2c5970ed489c9154f05a90aa72df
encoding: FLOAT32
metadata:
{"chroma:document": "I had a major flood in my house. My insurance adjuster came out review everything and approved funding. Of course the $$ was released to both my name and Flagstar which I endorsed over. The unfortunate part is my mortgage company sold my loan to Flagstar who REFUSED to release $$ to me and insisted on releasing $15000 to a contractor that has NOT STARTED work on my property yet! Anyone in the right mind would NEVER release large amount of $$. Not only was the supervisor Andrew ** rude and arrogant, he blatantly said he would not speak to a client because he has 700+ employees. He was RUDE and obnoxious to me but to my insurance company too! I tried to contact his supervisor which one could never find in that bank. DO NOT do business with Flagstar, worst service you\u2019ll ever get!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ce3b90aa1174c2c98822d628babbf8b
encoding: FLOAT32
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{"chroma:document": "Flagstar would NOT work with me on my payments when I flooded (Harvey). This next part belongs on another review board but I have to write it here too. When I refinanced my home in December the Mortgage Broker took it upon himself to NOT add my flood insurance back onto the escrow so I was without flood insurance because I made the mistake of trusting him. This Broker also chose my loan to go to Flagstar! Double whammy! I can't make this stuff up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ce7418d37ef4359a5b31059f9ecd7b6
encoding: FLOAT32
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{"chroma:document": "I applied on August 3rd for a mortgage with Flagstar Bank. I met with a man, Caz, who said I was pre-approved, no problems. I specifically said, \"I got out of the military in Sept 2015 and haven't worked for 2 years. I have only been working 2 months\" and he said, \"Your salary paid! That's no problem at all\". I signed the contract with my house, paid for an inspection, and appraisal and spent countless hours filling out forms and dealing with this process. On Sept 8 my mortgage was \"approved with conditions\". I was excited and expected to be able to move in within a week."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31d877914b384b69a26630bb86d4a13d
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{"chroma:document": "I wish this review site had a negative 100 review because I feel a 1 is way too high for my opinion of this bank. My sweet 90 year old dad was going to switch bank accounts and so opened a checking account at Flagstar. He opened it with an initial deposit of $5 because had to go his other bank to draw out funds and put in this account. The rep at Flagstar told him his checks would be free for the new checking account as part of the promotion. Imagine my dad's surprise when he opened his first bank statement from Flagstar and found they had charged him a hefty fee for the checks and on TOP of that charged him a ridiculous OVERDRAFT FEE because he didn't yet have funds in the account to cover an expense he was told would be free!!! He showed this statement to me and was very upset and confused on why he was getting these charges he should have never incurred!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8dc0fdd50fb7404483898dc6df143dd1
encoding: FLOAT32
metadata:
{"chroma:document": "We refinanced our loan and received a lower rate but they were so sneaky. In tiny print the loan was extended from a 30 to a 40 year mortgage and we did not catch this until it was too late. Also, We are at the loan to value ration where the PMI insurance should come off automatically. They want us to pay $125 to have someone come to the house and determine the value. I have even sent them paperwork showing that we have invested over $20,000 into the home and we have paid off more than that amount. They are a deceitful company and I would not recommend them to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c432dcd709a544a1a5dc86d3025d4591
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{"chroma:document": "I applied for Flagstar's fresh start program after my car insurance tried pulling numerous times and causing major OD fees, which makes no sense in itself, why does flagstar get to charge you OD fees if money wasn't taken out? Anyway, I spoke to the useless cust rep in the fresh start program and she went through everything pretty clearly, or so I thought. I have another account with this useless bank. So after agreeing to everything and only understanding what she explained to me, I was under the impression that they would contact me with first due date in two days, and then it would be monthly until paid. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 180e86dd528c45f5818b356bb06f27dc
encoding: FLOAT32
metadata:
{"chroma:document": "Be careful when talking to Flagstar about a VA Refi. The stated, and documented, VA Funding fee for the first time use is 2.15% as shown here: **. In my case, I wanted to refinance an existing FHA mortgage, which is considered a Cash-Out Refi, for VA purposes. The principal outstanding on my existing mortgage was $118,500, roughly. Taking that amount times the LEGAL 0.0215 = roughly $2,500. On my loan application, line g, the Funding Fee is shown as $4,075. That amount was added into the loan amount, which I was fine with. The issue arose on line n, where the $4,075 was added in a second time, thereby increasing the loan amount. My warning is this. Beware that the funding fee, and the percentage used for the calculation, is a FIXED variable. So you can do the math yourself and according to VA Benefit specialists I spoke to at the VA, it should only be added in ONE time, not TWO."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be3ad326e2654377b93e68fb6663c184
encoding: FLOAT32
metadata:
{"chroma:document": "I obtained this mortgage through a broker who I assumed knew what he was doing. Mistake #1 of our home buying experience. My valuable advice to you: NEVER let a broker choose your bank and NEVER EVER use Flagstar for anything. They were an absolute nightmare from day one and even after the house sold. Our experience is basically the same as the rest of these complaints. Raised our rate on closing day, jacked our payment up to an uncomfortable amount when we no longer had the ability to back out of the sale. Lost paperwork, refused modification, tried not to let a short sale go through but I had a very good aggressive realtor who hounded them and documented everything until the sale was final. Flagstar even \"accidentally\" sold my house at sheriff's auction while my short sale was pending and we made them rescind that and continue with our buyers which wasn't easy. It become our full time job for months."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c31b0adbc91c449b91fc31f426abf083
encoding: FLOAT32
metadata:
{"chroma:document": "Flagstar have worked with me when my financial situation was at the worst possible state. They've avoided me from losing my home on. My only issue with Flagstar have and continues to be the finance options."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4af5aa14f104d0c80b2a68ee0bb9089
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{"chroma:document": "We had a tornado damage our home. Our insurance company was out within 2 weeks and gave us a check. Considering all of the homes damaged we felt this was quick. Because Flagstar holds my mortgage their name had to be on the check and this is where the problems begin. I called them to get the information they would require and how to get them to release the check to me. I was installing a ceiling fan at my home when I called them. They placed me on hold. I drove to a home improvement store and returned, and was half-way finished installing the fan by the time they came on the line... well over an hour."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9efbab29313d4fd99c88ca26c84735e8
encoding: FLOAT32
metadata:
{"chroma:document": "This company will say anything to get your business and will say anything to get out of a rate lock if it suits them. I locked a rate with Flagstar on 10/4/16 which was guaranteed until 12/5/16. There was no visible activity on my loan application that I did not have to call and cause to happen. The Senior Mortgage Consultant Jeff and the Underwriting Processor Alaina appear to work for different companies as they do not communicate with each other. The only thing they have in common is their incompetence. The mortgage lock was extended to 1/5/17 due to the lack of progress on the loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 019aa87594664268a7f454ddc95f1d92
encoding: FLOAT32
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{"chroma:document": "I paid off loan online- checking information about 4 times and all was correct. Checking 12 days later payment was reversed as they couldn't find bank/account.  Called, giving them the same information it was paid off. But 7-10 days later (which turns out to be 2.5 weeks) I get pay off information to transfer car to another person. Wrong VIN # was typed by State Farm Bank so Co. Clerk wouldn't accept it. Then they fax corrected copy to me which wasn't signed. Now I'm waiting another 7-10 days for original corrected copy. This place is a joke and will NEVER deal with them again. I've been dealing with them since 6/1/23 and 6/30/23 still don't have what I need to transfer car."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9489658cbc94e01b1d3b2774564792a
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{"chroma:document": "I took out an auto loan which I paid off early on 23 APR 19. When I purchased a replacement in MAR 23 I went to get the title of the old vehicle to sell to dealer. Could not locate, went to get duplicate and was told it was still being held by State Farm Bank. Went to local SF office where loan originated. They called SFB and I was told title would be sent in 7-10 days. Received only Lien Release, no title. Contacted SFB and was told this was all I would receive and I would have to pay for a duplicate title. I already paid for the title when I purchased the title. All SFB had to do is notify PA electronically upon satisfaction of the loan and the title would have been sent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f47f4b31fbe44edaa836eaf59ee1f4b
encoding: FLOAT32
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{"chroma:document": "This company is a joke. After years of on time payments I switched banks and something got switched off. Normal loan companies would send you some sort of notification that payment was overdue but not this company. Instead they took the car in the middle of the night and thus started a 2 day ordeal to get the car back. That's not even the best of it! After months of fighting to at least have it removed from my credit report they tell me they didn't follow protocol in how they processed the repo but still won't do anything. Just went to sell the vehicle 8 months after this nonsense and suprise here is another $175 fee they stated that needs to be paid. Never using this company for anything again!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51ce26a6af634de68cbeec0542c62104
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{"chroma:document": "State Farm Bank went through some transition in summer 2021 switching their auto loans to another bank. They apparently sent 2 letters informing me of what I needed to do to to make this transition. Neither of the letters came from State Farm Bank or had the name State Farm on them -- rather some business name acronym, EMVOP (this is what State Farm's Customer Service told me). With all the junk mail and scam mail out there, I am sure these letters were not looked at closely or with seriousness, if they even arrived (apparently one in June and one in August). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e9ec233423f4a7bb51021e81cb92cd5
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{"chroma:document": "If I had written this review prior to the merger with US Bank I would have had a positive review, now one star feels generous. In 2020 after the merger I started getting letters that I needed to refile paperwork for my auto loan to be drafted automatically from my bank. After confirming with the bank that this wasn\u2019t a scam I mailed in their form and a voided check as requested. Months later I am still getting notices so I figure lost in the mail so I send again. A few more months and still getting letters so after confirming they don\u2019t have my info I both mail and fax a copy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff10fed9c2804ff1b19f6e4b6d6abfe2
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{"chroma:document": "We pay off totally about car loan and we pay by phone but for many weeks nobody we gave one specific answer. The worst part is the customer service. I have to waiting for almost two hours to answer our phone call and we have to find a attorney to get a solution our bill, because we used everything. Insurance car and home, saving money, car loan and honestly it was a nightmare to repair everything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4175e2fc162f484398cdb76b187367ab
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a long-time customer of State Farm (going back to my teens). My parents have also been long-time customers as have my sister and both of my brothers. My and her family have all had insurance through State Farm for years as well. I've been really impressed over the years with State Farm's customer service. It feels weirdly like a member of the family. Back when my old agent was with State Farm, he even contributed to my Eagle Scout project back in 2002."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48bc68774a9c4120b53a9f09244c7f68
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{"chroma:document": "Didn't apply my loan modification correctly in Jan 2020 and then never updated and corrected after a year of numerous calls and emails. They never provided itemization or statement detail. Then sold loan with incorrect info, so now I look like I'm in forbearance to the new lender."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd77993a509d4cd5845101e156c0fce5
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metadata:
{"chroma:document": "Worst and most unprofessional company I\u2019ve ever dealt with and that\u2019s saying a lot. I encouraged my son to consider them for his home mortgage and decided to give them a shot. I can\u2019t express how deeply I regret asking! They can\u2019t keep of with proof of home owner insurance as he\u2019s had to provide that for now the 3rd time even though his insurance provider required acknowledgement of them receiving each time he sent it because of their ineptness to keep up with anything in his file. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c37e0b59f70b4d3e82ec0e62d93b09af
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{"chroma:document": "I have cancelled polices after making payments, with them stating a text or email was sent and no email or text was ever sent. In December they told me I hadn\u2019t paid a payment since October so I needed to pay September and November for the car insurance so I paid it, then they cancelled it because they said I didn\u2019t pay 27$. In December I paid the house and the car then they said the same thing for the house that I was 2 months behind, I asked them why didn\u2019t they tell me I was a month behind in November. Why did they wait till December to tell me?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8fec2548cf4437c9060792ac545ba8f
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metadata:
{"chroma:document": "I recently applied for and received a State Farm credit card. I was attracted to the favorable interest free period for balance transfers as well as the interest rate. The balance transfer process was exceedingly clumsy and involved a 45 minute phone call to transfer 2 balances. I had some misgivings about the process as at one point the agent I was working with said there was a double payment to one account showing and she had to get a supervisor to back it out. I checked my account a couple of days later and that duplicate transfer was still showing as pending. The only contact given for problems with an online notification-which I did. I received a letter yesterday saying that this was corrected and only the two original balance transfers would be put on my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a7ff4848c3e427c99342cc70076a00f
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{"chroma:document": "Proceeded with refinancing procedure through State Farm in May 2019. After mountains of paper works submitted with 2 hard pull of me and my wife's credits with many paid offs my credit cards and 6 months later I decided that they were wasting my time. If you thinking of any types of loans through State Farm Bank, Please save yourselves the headache. I paid money for rate lock. I paid for your home estimator. I submitted mountains and mountains of paper works. Mind you I have to turned in almost every week to them within 6 months time frame. RUN AWAY FROM THIS MEDIOCRE COMPANY THAT IS TRYING TO GET INTO BANKING AND FAILED MISERABLY. Would not recommend this company to anyone!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 364e3807926d420688fab6413cdc2a2f
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{"chroma:document": "I applied for State Farm visa card on 5-21-2019 after receiving promotion in mail stating that I would receive 15000 bonus points after spending 1000 dollars on card within the first ninety days of having the card. I spent over 1200 dollars within 60 days. They refused to give me the statement credit. They said I had to spend 1500 dollars to qualify for 15000 bonus points unless I provided them with a copy of the offer. I didn't keep a copy of the offer. I did spend over 1500 dollars within the first ninety days from when I activated the card. They still refused to issue me the statement credit. They said that I had not spent the 1500 dollars. This a lie! I will be looking for a different card. I will also be looking for another insurance company that is not called State Farm! Sincerely Gregg"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2c01437ee07425d9577236793fe2e34
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{"chroma:document": "Received letter from State Farm Bank stating that if I didn't use my visa card by a certain date; that they were closing my account. I didn't use the card and ended up shredding the letter that they sent me. Next time I checked my credit report; they reported to the credit bureau that \"I\" closed the account. Of course I had destroyed the letter that they sent but somewhere in their records they should have been able to confirm their own action; and therefore I could not get the credit bureau to change the reason why the account and who really closed the account. State Farm should stick to insurance and leave the banking to other reputable people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f559b240daa4dd6b823ee5391315504
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{"chroma:document": "After moving and changing my address online through State Farm's portal. They still managed to send my new card to my old address, which was returned due to 'non-deliverable'. Then, after I call them, change my address AGAIN, they said they would send the card. Two weeks later still no card. BUT, they did send me an address changed piece of mail. I called them again about my missing card. NOW 'someone' in the 'fraud' department wants to talk to me before they send another card and oh, by the way that department is closed for the next 3 days so basically I was told to go pound sand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 546b0c2029d64e26a59e0e7251de4799
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{"chroma:document": "I don't have the time or space to explain the hours of phone conversations I had with a Customer Service Rep, A level 2 Person and a Supervisor. They cost me money by giving me misinformation and cost me the sale of my truck. They took responsibility for nothing except saying their rep gave me wrong information. Stay clear, they didn't earn their overall (*) star rating from everyone by being good. You are better off with nothing than anything from them. Worst experience ever!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14f833054d254e8bbfeaa2cce4afc511
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{"chroma:document": "We were in the process of buying a house in June of 2019 so I went in to discuss their home insurance. When the agent heard that we were buying a home he suggested that we get rates from State Farm Bank. I thought he was just going to contact the branch's agent and have him send me some general information to see if I would be interested, so I said sure and gave him our information (he already had most of it from the home insurance quote, like our SSNs, so nothing seemed out of the ordinary). But nope. Instead they ran mine and my husband's credit and preapproved us for a loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Banking is backed up by a reputable company. They reflect what online banking is through the rest of the \"pack\" and I have been banking with them for about 7 years now, and they've always upgraded capability & kept security front and center."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c502ffb80754be3a4c7b188d833d205
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{"chroma:document": "My son got a vehicle loan through State Farm Bank. We are insured with State Farm also, no issues there. My son was rear ended resulting in a huge repair for the truck. They reported it as a total loss, but DID NOT tell us that. they just gave it back to keep driving and paying for. Shortly after, my son enlisted in the Marines and left for 13 months. State Farm Bank said that in accordance with the servicemembers Civil Relief Act, his payments would be put on hold pending his return. I was assured that they would not report non-payments to any credit bureau, and he could resume payments upon his return."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8e1e95408b242039857034742adc277
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{"chroma:document": "State Farm has a large variety of financial resources. State Farm has more resources than most know. I've had State Farm Auto and Life Insurance since I was a teenager. My IRA is with State Farm. All my banking is done with State Farm Bank. I have RV insurance with them. Of course being an auto insurance company, they would offer auto loans with competitive rates. I would not overlook this financially stable company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ec43904720647b0a35c77bbdfe5f9fd
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{"chroma:document": "I was quite surprised to know my insurance company also offered auto loans. The loan was competitive and included GAP insurance without paying more. It wasn't needed, but good to know its included. I will use State Farm Financial on more purchases at a later date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30bc7c29a278490ea8163228943dbc44
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{"chroma:document": "We've carried insurance with them for years and have been pleased with our local agents. The State Farm credit card is a different matter. We have not been satisfied with their customer service. A couple of years ago we made a hotel reservation using our card points and had so many problems when we arrived at the hotel that we never attempted that again. Recently I needed to get information on my online account and forgot my password. I never received the promised email, so I called to see what I needed to do. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9d19cc612ef49c29252478142a26d3a
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{"chroma:document": "I have a Money Market account and wanted to open a CD while the rate was good. I spoke to a representative on March 13, and she input everything and asked how I would prefer to receive the paperwork to sign. The ONLY options were Fax, Mail, or visit a State Farm agent's office. I chose Mail, and she said it would arrive in a week to 10 days. On April 1 nothing arrived so I called and the representative confirmed nothing had been sent (he had to speak with the New Accounts Team) but it will be sent out by mail. April 24 and still no paperwork. I called again and asked if the papers could be sent by other means such as encrypted pdf or through the State Farm Secure Email system (you would think this is the intended application) but they said NO. Only the 3 methods. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b60e255c40f48a6b748fd02a4fbdf22
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{"chroma:document": "Whenever I have problems with State Farm Bank, which is often, they never have solutions. I mail in paperwork to update my account information, they ignore it. Whenever an online purchase fails to go through, it's never their fault. Whenever I ask why small transactions won't process, they say that they clearly see I have the funds to purchase the object and nothing's wrong on their end so they don't see what the problem is, so I must have done something wrong. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46cc6115c8a7427ab5020ce4d2fb1387
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{"chroma:document": "I called to confirm that they received my $100,000.00 IRA direct rollover. They did. I wanted help in getting signed on-line so I could confirm and print a document showing they received my funds. Couldn't get online access so they have to send it to the IT people. Then I asked her if she could email proof they received my funds. The answer was \"NO\". Although she emailed me an verification code, she won't email me anything showing that they have my $100,000.00. That is State Farm Bank! (FYI... My $100,000.00 was previously sent on 03/15/2019 and magically it went missing so I had to wait 10 days and start the process of filing the paperwork to get a check re-issued. I had tracking placed on the 2nd check to prove State Farm Bank received my money. One problem after another. Don't get me started on them leaving off the beneficiaries off of my documents and refusing to correct it.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1550c24a91b4e32a6a07fd2092b03f6
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{"chroma:document": "I have a family member who is an agent and after 3 weeks and two applications and phone calls, my gf and I are going to use Wells Fargo for a shared expense account. What a struggle! Good thing their money market account rates are so good otherwise they should close this part of their business..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c755a7aabbf41e88d55f83e298cda03
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{"chroma:document": "Looked for six hours for an email address or fax number to send the following letter to State Farm Bank or Royal Bank of Canada or Black Rock. Was on hold at different places for at least three hours and no one picked up. The agents I did contact could not give me a fax number or email address for State Farm Bank, Royal Bank of Canada or Black Rock complaint departments. Have a growing concern for my funds. On January 7, 2019, the online account information was not accessible again and the bank specialist were not available - was on hold for almost an hour."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eaea3acb0bed408d94035970707e15a0
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{"chroma:document": "I recently bought a new vehicle and financed with the manufacturer credit provider to get an extra $1,500 discount. After the first payment, I began the process to re-finance with State Farm since I have had State Farm auto and home insurance since I first got a driver's license. What a mistake! Not only did I not get the \"best rate\" quoted on their website with a credit score over 800 and 1/3 the cost of the vehicle paid down, due to State Farm's back-office incompetency, the loan did not fund for two weeks after I applied. I wound up having to make a second payment on the first loan so as to not be delinquent and then wait for a refund check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3583ce5321c341018f6a06b0638aafdd
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metadata:
{"chroma:document": "Updated on 03/27/2019: Long story short this has experience is actually as bad as dealing with Xfinity; which was rated the worst company in America. Not only did it take 4 weeks to resolve an issue for simply logging into a new account, but then I did not have access to my account, which then took another few weeks to resolve."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb48762567b54068899447cae2c19b52
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{"chroma:document": "These guys should stick to insurance and leave credit to companies that know what they are doing. After putting an unnecessary hold on my card and not bothering to try and contact me, it took me 5 weeks to get someone from their fraud dept to speak to me. I called twice a week for 5 weeks! Left messages, talked to supervisors... all assuring me the fraud dept would call me back the next day. They would confirm they had received the document requested for verification but no one would take the hold off. Finally 5 weeks later I got lucky and spoke to Jim in the fraud dept. He claimed they never got a doc - although the supervisors said their dept had noted it had been received. I probably wasted 10 hrs on the phone over 5 weeks with these guys. Worst customer service ever. Jim would not give me his last name - threw me loads of attitude - then closed my account. Thank god I am rid of State Farm."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "In an attempt to be diligent in protecting card security, I called while traveling to card services. I provided full name, address, social security number. I did not know card # -- card was lost. They asked me a security question. I did not know the answer. I provided State Farm agent name, limit, balance, card last used, email address, home phone, cell phone. They would not agree to block the card as they claim they could not verify my identity. 1/2 hour on the phone for the most frustrating experience. They need to review the process... Protect the account and consumer first. Worry about reissue of card at a later time. Very poor customer service. No wonder we have so much loss and expense due to fraud. I have filed a complaint with the bank as well as other consumer agencies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6406ed7589154cb8b6a5b04277363024
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{"chroma:document": "I was 2 going on 3 months behind due to job issues. I paid $1100 dollars before the deadline. I gave everything I had. Due to becoming a full-time employee no longer working through temp service now I get paid bi-weekly. They pick up my car for $75 after I paid 1100 dollars. In order to get the car back in my possession I need to pay the late fee of 25 dollars plus the $75 car payment plus a $475 dollars towing fee plus a 150 dollar administrator fee adding the fee total 740 dollars. But wait the towing company charging me an extra $300 dollar for getting my car back in my possession. In which I had to drive an hour there. A hour of waiting to have my car release. To a company that has a lot but no office building. My car is not secure. Behind a old gate with one rusty chain."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9d4adc68f874e2b9f2a7c22ce3e3113
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{"chroma:document": "Since I've started this account, there have been nothing but fees for things that are normally free with other banks. Transfer fees and foreign transaction fees are especially painful. Most banks don't charge these things anymore. The final straw was this weekend. I deposited a check to cover some automatic drafts that were coming through. It was approved and then the items came through - and were all rejected."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30dc45e670ee4e709adf8a3c6e1ef5e5
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{"chroma:document": "One problem after another and it is never State Farm Bank at fault. Unexplained fees on statement, unreceived payments blamed on USPS, 15 days to get from DE. to GA. not likely. How long in your mailbox? Goodbye State Farm Bank. Shabbyest c.c. Co. I have ever dealt with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9ef10345a804f5fb3c85a1796126ab8
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{"chroma:document": "I have been with State Farm insurance for 12+ years and have always recommended them to anyone looking for an insurance company. When I bought my first brand new car, my agent suggested that I finance it through their bank. Worst mistake of my life. When there was some hardship in my family last year, I missed a payment. I called a couple months ago to rectify the situation and was given the option to add the payment to the end of the loan. Awesome! Seemed simple enough. They were to mail me a form, I would fill it out and send it back with a check for the interest and was informed to make sure the money was not in the account so when they tried to take the payment, it would be for the current month and not the missed payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c97adad71b442188db027a49b8d295e
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{"chroma:document": "Opened account two weeks ago and no one can help me login. I called to close account. They wanted account number to transfer funds back to me, I don't think so. Why would I trust you with my bank account and you cant even help me login to your own bank website? Stay with insurance, everyone cannot do everything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d9c50d6bb76420dbacd797b4acd58ce
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{"chroma:document": "An automatic charge of $5 went on my State Farm Credit card. I was not aware of it. The statements got lost in my email. After about 3 months, I received a letter from State Farm that my account was closed and I owe $102.72. I was going out of town and I paid the full amount of $102.72 without calling State Farm. State Farm owed me $53.68 in reward points. When my insurance bill came in I tried to access the reward points and found it was 0. I called State Farm and was told that it was forfeited. I, therefore, paid State Farm $150 fees for $5. Why couldn't State Farm use the $53.68 to cover the $5 that was owed? I had State Farm insurance on home and car since 1985. It looks like it is time for me to fire State Farm Insurance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been with State Farm for 47 years and State Farm Bank for 18. No problems till Feb 5, 2018 when I tried to make a payment by phone. A lady took my debit card number and she was not supposed to. By the end of that month they suspended my card and I called again and the lady took my checking account number and routing number from my personal check and said she had all the info she needed. I had two verification numbers from both calls. March rolls around and I find out they haven't received a payment from my bank. A letter was sent March so I called again and once again they copied the information needed from my personal check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Today (04/07/2018) I try to log in to my online account. I log in every day due to this bank is not located in my state. So I have to do all my baking online. When I try to log in it said that my password was incorrect. I recheck my password and again it told me that was incorrect. So, I try the \"I forgot my password\". I try changing my password and it told me that there was a technical error. To call 877-734-2265. The rep stated to me that back in September last year they couldn't make an ID when I called so they lock my account. I told the lady that I didn't call. She said that she can't do anything that I need it to go to a State Farm office and have them ID Me. I told her they don't have a bank here. This is why I do all my banking on the internet. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I withdrew money from my Roth IRA on Tuesday, March 20th. I asked what the fastest way to get it as I knew my bank account was in bad shape if I didn't get that check by Friday. The woman I spoke with said the could FedEx the check for an additional $15, which I relented to. She said I would get the check at the latest on Friday, BECAUSE IT WAS BEING FEDEXED. Friday came and went with no check. So Saturday, I get something from State Farm, which I thought was just a statement, but turns out it was the check from my Roth IRA. I looked and saw on the statement that yes, I was charged for the $15, yet it came through standard mail in a regular State Farm envelope, NOT IN A FEDEX envelope. I tried to deposit said check via mobile deposit to my bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I asked for a credit line increase and was turned down, (my scores are 760 to 780). I was told that State Farm has their own scoring system called Horizon (not sure if I have that correct), my score with them is 623. Asked if I could review it, was told no. I said there must be an error on the report. In a polite way I was told nothing could be done. That should not be allowed. I have had my auto and homeowners ins, with them for over 40 yrs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "There has not been much, if any, good experiences I\u2019ve had with this bank. The app is constantly down, their ATMs where you can deposit are never working and when you call to tell them that, they don\u2019t seem to care at all. The customer service is beyond horrible. Whoever you talk to just seems like they want to transfer you elsewhere. I had a car loan payment withdrawn from my account two months in a row and the car has been sold for over a year. Not sure how that even happens. The supervisor that I spoke to hung up on me when I told him his bank was horrible. Just not a great place to bank. When I told the customer service agent I wanted to close my account all she told me was, \"Ok, just stop using the account and thank you.\" It was just a normal occurrence for someone to want out with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Due to some medical reasons I found myself in default with an auto loan. I called State Farm and was making arrangements to pay full balance off. First off they are extremely rude and treat you like you've committed a capital crime, even though I'm calling to pay them with my bank ATM over the phone. They want cash money deposited into Western Union, mind you we live in a part of town that you are not gonna walk around with 100 dollars in your pocket let alone $4000.00 dollars. I don't understand in this day and age of technology why a multi-million dollar company is not willing to take an ATM payment. I am gonna pay off my loan and do not ever want to have to do business with State Farm again. I'm canceling my insurance with them as well and will be telling anyone and everyone of my experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "After paying off a motorcycle loan I had with State Farm Bank I inquired about a new loan for a newer motorcycle with fewer miles. Since my original loan my credit score has drastically improved. Improper collection reporting has been corrected. No late payments. I was assured by the bank my past loan wouldn\u2019t be taken into account when applying for a new loan. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8db1efa9cc824f1fb48d23ad97a37160
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{"chroma:document": "This company can preapprove for a mortgage, give you a list of info they want and after you pay their \u201cvendor fee\u201d, ask for more information that gets a little personal. We didn\u2019t like how the processes were going and backed out after the appraisal. Just got a letter in the mail saying we \u201cdidn\u2019t have sufficient funds to continue\u201d. No we thought you were beyond dumb in your process. I have bought 8 houses through different lenders and State Farm is by far the worst. I will not even let them keep our car insurance after this. They should give up on financial and stick to insurance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "From the time I cancelled my Homeowners Insurance when they tried to double the rates on me, they have been trying to scam me. They cannot give a TRUE principal balance on my house because they can't give a correct Amortization, they add in \"house inspection fees,\" do NOT credit payments, give escrow amounts then change them, issue Escrow checks then deduct them back, issue new statements showing past due amounts before they credit the monthly payments to make them look like they are not being paid, decide they are not taking payments and send them back to try to Foreclose."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d618ffc69684fa09dfea982880292d4
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{"chroma:document": "I had an auto loan from State Farm Bank. They kept messing up. One month they forgot to pull the auto payment, then they were pulling too little. Each time they messed up, I paid the price in late fees. Then, on May 24th they automatically withdrew my payment, as normal. On June 1st they pulled it again, 23 days early, and overdrafted my account. They held me responsible and closed my checking account. In July I had a total loss of my vehicle. My insurance handled its portion and Payment Protector handled all but a few hundred. While shopping for replacement vehicle, my credit score mysteriously dropped. I finally found out that State Farm Bank listed my account as \"consumer deceased\". Now I am about to lose my home, all credit cards, flossing out on finishing school, and losing my job. I identify as a deceased person anywhere I go. I may be alive, but State Farm Bank killed my identity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08b87200c8e94a7c9030b5c7b9613769
encoding: FLOAT32
metadata:
{"chroma:document": "Opened a loan with State Farm Bank 12 mos ago. Biggest rip-off ever. Paid 1500 extra towards principal and they applied it to interest only - 3 phone calls to try to fix but without a true explanation. Was told there was nothing they could do - like a good neighbor stay over there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3f25808a19c4b4baf36222639935c7e
encoding: FLOAT32
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{"chroma:document": "They give you a grace period of 10 days so if you pay on a Saturday and it says you pay on a Saturday but yet they charge you a late fee. Also I have 2 payments left on my car and NEVER asked for a payoff then they have the nerve after I just paid taxes. Mind you with two payments left they will turn me over to collections. Haha. Don't threaten me when you are charging people late payments and they pay it on time. That fraud. So my advice is do not get this bank or insurance. They are horrible. The customer service girl's name was Dana. So rude..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d85b3d7c1a014769ac77bd2e34f6d31a
encoding: FLOAT32
metadata:
{"chroma:document": "State Farm Bank repossessed my car for missing 2 payments 3 yrs. ago. After I paid the car off now I have to pay $3000 in fees to get it back. No one got in touch with me to let me know about these payments or I would have sent them off asap. STATE FARM BANK treat their customer should very poorly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7e380a5c9d945ee928f7d5c63568bf9
encoding: FLOAT32
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{"chroma:document": "I opened an auto policy for two of my vehicles and noticed that State Farm had banking services. I applied for a checking account online and when filling out the application, I entered my physical address and there was a message that popped up that stated my address was invalid and instructed me to input a valid address. I entered my address repeatedly. Finally I opted to use my daughter in law's address but used my mailing address when prompted to enter a mailing address. I figured it's a valid mailing address so I will receive mail through my post office box number. I would then go into a State Farm Office and correct the address to mine. I opened the account with 50.00. I also received a statement confirming the balance in the account was 50.00. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4193bfbfff5434fabe9d55c4abc940c
encoding: FLOAT32
metadata:
{"chroma:document": "Approximately, 17 years ago, I purchased a CD from State Farm Bank. The CD acquired interest rate per year, which meant that I did not get a good return on my CD. So, approximately 4 years ago to gain more interest on my CD I contacted SF bank and locked my CD into a three year commitment; thereby, obtaining a better interest rate. I received a statement approximately 6 months later on my CD and noticed that my request for a change (the three year commitment) was never incorporated. I contacted SF Bank and inquired as to why my request was not updated. A SF representative stated that SF bank was unable to contact me. Since, 9/11 banks have demanded complete information from customers regarding deposits into the banking system. Despite that SF bank had my email address, my home phone number, my mailing address, my physical home address, and my cell phone number SF bank alleged that it was unable to contact me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0d9f69478eb4900abacbdc0cad34250
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a CD. After I opened it I tried to create an account that I could view my balance from month to month. The website would not allow me to be a user. When I contacted customer service I was told that if I only had a CD I could not create an online account. I would need to have a loan, checking account, money market etc. I asked if I would be receiving a monthly paper statement and was told I would need to make a special request and be approved for that. HELLO STATE FARM BANK, welcome to 2017. You have an online ONLY bank and don't allow a customer with a CD to view their account???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ff1da528af544409c67ed15b46d4200
encoding: FLOAT32
metadata:
{"chroma:document": "I have my loan through State Farm. I have been paying my loan each month. I received a notice that I was 3 months behind. They told me I missed a payment in December 2015. I had took their offer to not make a payment for Christmas that month. They are now telling me that due to that they have applied each of my payments to the past month. Now they say they will repossess my vehicle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3dd643bb8b024e6682ee2d5b986b6d1e
encoding: FLOAT32
metadata:
{"chroma:document": "If you are a business owner! please, avoid Truist Bank, your money is not safe. I used my debit card to make payment to a vendor (Vivian Health), and this vendor withdrew $6400 from my company account without authorization just because I used the debit card to make a payment before. And we filed fraud claim and Truist deny the claim because, we have used the debit card to make one time payment with Vivian Health. And therefore, our was denied on the ground that we have used the debit card make payment before. Your money is not safe with Truist Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a0c05e190e14817ae12586440e408b3
encoding: FLOAT32
metadata:
{"chroma:document": "Margaret ** @ the West Oakland Park branch in Lauderhill was extremely rude. We went to open personal, business checking and a personal savings account because Bank of America is disappointing. Now Bank of America is great compared to our experience with M. ** at Truist. Staying with B.O.A. Ms. **, \"LEARN SOME COMMON COURTESIES\". Especially to a prospective member."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b3ccdf28dfe422bbf2ebf0bd331fb31
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer for 24 years. The original bank was First Virginia Bank and was bought by BB&T in 2003. Service always excellent by both of these banks. Next Truist took over BBT in 2019 and everything went down hill. It took months for me to get my debit card after the takeover and it is impossible to reach a representative by phone at a local branch. Truist has laid off many employees so when you go into your local branch it takes forever to see a representative. If you are looking for bad customer service this is bank for you. If you want good customer service and a staff that can answer your questions, find another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d891cff86874cebaf6aac435136364b
encoding: FLOAT32
metadata:
{"chroma:document": "If you are planning to open an account with this bank, well I believe you should think again. Based on my experience I believe it is NOT a good idea. I opened up an account using their promotion. I followed all the instructions to receive the $400.00. The lady who opened the account told me all I needed to do was to open a business checking account and maintain $1,500.00 for 2 months and I would receive the $400.00 USD. When 2 months came around, I went to the bank and nothing, they said that they will investigate and call me back with the results. I was never contacted. I went to the bank after two weeks and they told me that it was still under investigation. This bank wasted my time and certainly I feel very uncomfortable about it. I believe the FTC, CFPB, CPA, BBB and all the pertaining governmental authority should look into their deceptive practices. I certainly do not think they are ethical."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b683d1bc078d47c78f7f02be8c416fc8
encoding: FLOAT32
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{"chroma:document": "I opened a business bank account for a non-profit organization for which I am a board member on June 21st 2023. The account was approved, and after about 2 weeks I was contacted by a bank account manager representative to set up my online credentials. On July 12th I transferred an amount of $3063.82 into the account. Today, July 18th 2023, I tried logging into the account, and received a message: \"Your online access has been restricted for security purposes. Please call 800-448-5493 Monday to Friday 8am-5pm ET to restore access. Press option 3 for Checks/ATO/Online & Electronic payments and option 2 for Account Takeover/Online Fraud.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9483287f05324e2d8625029358f4382f
encoding: FLOAT32
metadata:
{"chroma:document": "I would NEVER have expected a large bank as Truist to be this incompetent. I opened checking and savings accounts. I requested the savings be linked to the checking for overdraft purposes. It wasn\u2019t done and of course. I paid my electric bill and it was automatically rejected causing a $25.00 fee with the electric company. Truist CS looked into it and said it never got the account. I had to take a day off work to get my accounts sorted out. Why do you ask why I had to take a day off BECAUSE THEY HAVE NO WEEKEND HOURS, another pain in the butt thumbs downer for this bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d187d9ea17143c3a8b5e9dc5afe43ea
encoding: FLOAT32
metadata:
{"chroma:document": "Was with this bank for 20 years. Never had any fees. They switch to Truist from Suntrust. Said it would be a smooth transition. Everything sucks. Customer service sucks. The foreign idiots overseas suck. The $500 limit ATM sucks. The whole bank sucks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7a92257c4c74ad287eb7518966980b3
encoding: FLOAT32
metadata:
{"chroma:document": "I opened up an account using their promotion. I followed all the instructions to receive the $400.00. When 3 months came around, I was told I didn\u2019t adhere to the sun small print that they were so sneaky about. I wrote to the CEO William Rogers and never received a response. I believe the CFPB should look into their practices. I certainly do not think they are ethical."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d0defc26801495a823cd88f49bc7d20
encoding: FLOAT32
metadata:
{"chroma:document": "While helping my wife this afternoon, I attempted to make a small cash deposit into my 97year old mother in law's checking account using a preprinted deposit slip. The bank refused to accept stating I was not on her account. I've been banking for over 60 years and have never had a problem making a deposit of any kind much less with cash. As I challenged the teller she simply cut off the video feed at the drive through ending our conversation. I just returned home and announced I'll not be ever returning to a Truist Bank, she simply nodded her head agreeing they are not very nice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16f074e639674c58bd48edecd73de469
encoding: FLOAT32
metadata:
{"chroma:document": "A sum of money was returned to my Truist visa card. I transferred this money to my checking account, since it was my money and not borrowed. My balance was 0. Truist charged me $10.00 for what they call an \"overdraft fee.\" I explained to the representative, Janet, what happened and she refused to return the $10.00. She also refused to transfer the call to a manager and said any manager would refuse me as well. She said if I had contacted them within 24 hours of the event - it was 48 hours - they may have been able to issue an investigation about it but since it was day 2, I was out of luck. She kept citing \"rules\" about this and I said I was unaware of any such rules. She was arrogant and dismissive of me. I finally hung up on her since she refused to transfer me to a manager."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8b414ad054843e6b0592ecd0e0a091d
encoding: FLOAT32
metadata:
{"chroma:document": "Hello, been a bank customer with BB&T before the merger. Once it became Truist I started getting overdraft fees like crazy! I call spend 3 hrs on the phone trying to figure out why. Cannot get a answer!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07c4890cd6984e2384ebc8fabaa27995
encoding: FLOAT32
metadata:
{"chroma:document": "I'd give it 0 or negative stars if I could. Got an email from Truist Bank for a bonus offer if I opened a checking account with them and made direct deposits from my employer over a certain dollar amount & the bonus was $400. I called Truist Bank several times, but no answer, so I drove to the bank & was met Sonia who immediately told me they'd be closing in 15 minutes. She was annoyed to help me and it was clear. Then I opened up the email I had received and also showed her the promotion code as well. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4651a5e7d98e40a991329be50e2c64a3
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible to bank with. Customer service is absolutely no help. So I\u2019ve been from job to job and finally found one I\u2019m making good money with. But why is it EVERY SINGLE TIME I have to wait a week for my check to deposit? Not just mobile app at the branch too! It\u2019s my money. You shouldn\u2019t be able to hold MY MONEY. So over the last few months this has put me further and further into debt. I\u2019m always behind on bills now and car catch up because of TRUIST. Oh and you can\u2019t cash the check either. So what good is a bank if you can\u2019t get paid on time?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e684e90d7d5d45089eb51c3f14490c69
encoding: FLOAT32
metadata:
{"chroma:document": "I never was sent the information for this. I have been in contact with several people on several occasions to try and work this out and so far never got the information that I was told would be mailed to me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d1e96d1564442dd98dd8901a43106ff
encoding: FLOAT32
metadata:
{"chroma:document": "STAY AWAY FROM THIS BANK!!! I recently had an unsatisfactory experience while opening a checking account with this bank. I would like to share my story to help others make an informed decision. I recently encountered multiple issues while opening a checking account with Truist Bank online. Initially, when attempting to create an online account, I encountered technical difficulties that caused the screen to freeze. After repeatedly clicking the button, I was blocked from accessing my account. To verify my identity, the bank requested that they send me a text message, but they were unable to use the number provided as it was registered under a business account. Despite explaining the situation, the issue persisted until I provided a different phone number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5aa5c2731ef94751abf2cce150f3e4d9
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked with SunTrust for years as I got the account as a college student. When the bank merged with BB&T to become Truist I was excited because I have heard decent things about BB&T. What a huge disappointment Truist has been. I even wanted to give time for them to sort things out, but if I wait any longer this bank will ruin me financially."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e329822140944124bed5a0ce5f0f4f68
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{"chroma:document": "Truist closed my account on 2/13/23 for fraud yet denied all the fraud on my account, then failed to notify while my account was open for 2 years that I had a collection on a 2017 account. Truist wait until my account was closed then they decide to tell me all the refunds that returned to my account from merchants were being sent back to merchants until the merchants supplied arn numbers so I researched. Truist had taken over $200 in refunds from a closed account and applied them to a 2017 BB&T account that was $-280 that I knew nothing about. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9604abb7df94efa8c439f39a9ab043a
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 03/17/2023: I have issues where Truist bank closed my account fraudulently. Been taking my refunds and applying them to a collection account that is not mine, they denied claims that should have been approved. They closed my account for fraud and denied all the fraudulent activity that was on the account, told me it was a executive decision to cancel the account after account manager called me to sign a document to switch to another account, at least I thought, instead he canceled my account from my own signature, thinking I was just switching accounts, scammed me into closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b36583790b74176aa184888e04982dd
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account and found out less than 24 hours later they had a $400 promotion and then they refused to give it to me. I called corporate, I called the branch, I called everyone. These people are sooo deceptive. I can't wait to close my account here and tell everyone to go get $400 and then pull their money out. I'm a single mom trying to find a place for my kids to live and this would've help me so much. Ok can't believe how evil this bank is. I was a faithful SunTrust account holder for about 8 years. I recently went back and man do I wish I never did. Can't wait to close my account tomorrow and tell everyone I know how to get free $400 and close out their accounts and everyone I know who has investments and mortgages to switch over. They make Wells Fargo look good. I hope you guys go down in flames. This review will be in every website I can find about banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1a8b1720aeb462ca38a5bfc1c7747e3
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account online and immediately received 2 emails. I had a promotional code which was accepted and I received another 2 emails confirming so about a week later. I set up my direct deposit at work and set up bills to be paid from the account. I received a notice from my payroll department advising the direct deposit was returned. I wasted 2 hours (mostly on hold) with Truist trying to understand what happened. Turns out they closed the account but they could not provide an actual reason. Cited that they can close an account at anytime without reason per whatever regulation. Sounds to me like Truist just doesn\u2019t want to make good on their $400 promotion. Hook and bait? Funny how the promotion available now is only $200\u2026 looks like I was inadvertently saved from starting business with yet another a shady bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb6679391c134e28bc831dd9b59bc803
encoding: FLOAT32
metadata:
{"chroma:document": "If I could switch to a different bank that is really honest I would, I'm stuck with this bank because of how my business is setup, Truist give you overdraft fees even  though you have money in your account to cover the funds that you spend and they they come up with the most far out story of why they gave you an overdraft, Truist bank comes off as ripping customers out of they money. Trust ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ba53b14245c497c9d2bf8f592c4cecd
encoding: FLOAT32
metadata:
{"chroma:document": "Truist Bank [BB&T], FKA SUNTRUST BANK. Ever since Suntrust bank was taken over by big corp, there were charges made to my account for not having direct deposit even though I had a savings, credit card and personal loan. Just recently they put a 15 day hold on a pay check and their excuse was \"QUESTIONABLE RECEIVABLES\" on $ amt even though this amount has been constant. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a10fedf383994d0fb277fe8eb9b76a75
encoding: FLOAT32
metadata:
{"chroma:document": "12-12-2022 I received an alert of possible fraud activity on my debit card, in fact, it was a fraud attempt, Truist Fraud blocked my card, and arranged to send me a new card (great job). 1-3-2023 received a text that the mailed debit card had been returned address was not deliverable to my address. Contacted Truist customer service. My primary mailing address was listed as my physical address, I don't have a mailbox at my physical address, instead I rent a Post Office Box for various personal reasons, therefore I can not receive mail at the listed primary mailing address. Customer service assured me that another card would be mailed and I would receive the card at my mailing address (PO Box)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4c97615af2b47f3a52bf094be2be8b2
encoding: FLOAT32
metadata:
{"chroma:document": "No help in resolving my issue. They are taking fees out of my checking account and I am losing money as a result of their not returning my calls. I would not refer anyone to this bank. They took over my Suntrust account and I have moved and my husband has died."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01db516e1db64d27aaf49bc466a166f9
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is horrible. I always manage to get overdraft fees due to the lateness of their account balancing. It will say I have a certain amount available then the next thing I know the funds were not available, my account is overdrawn and I have a overdraw fee. The customer services is horrible due to outsourcing but I know great for them. At the expense of being properly understood and routed to the appropriate people. Not to mention it takes 45 min to speak to a Supervisor. I recently had a check deposited to my account, it posted the next day, I called to pay my utilities bill and my card declined. I checked my account. The check was held for 8 days. Why does it take 8 days to verify a check???? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f2c46b92c0c4086998f40957aae0c6f
encoding: FLOAT32
metadata:
{"chroma:document": "Cancelled card and paid balance - charged a late fee; then they accepted a charge after card was closed. Billing me for late fee and unauthorized charge, and dragging out payment talks while adding on fees. I suggest you avoid this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e823749e40934fddbceed0fdff34945a
encoding: FLOAT32
metadata:
{"chroma:document": "I had to notify Truist Bank's Credit Card/Card member Services of (2) separate Credit Card disputes/and/or/chargebacks. One of the chargeback disputes pretty much resolved itself when the merchant finally got around to issuing the credit for the item, however the merchant issued the credit $12.00 short of what the total credit should have been so Truist's chargeback department had to contact the merchant over the $12.00 difference to try and get the money back from them. In the case of the 2nd chargeback dispute the merchant never issued credit for the item and so I had to forward all the necessary documents to Truist's chargeback department which included a written 3 page document and 2 pages of UPS/or/United Parcel Service Tracking documents showing that the merchant received the package that I \"refused\" back and signed for it but never processed a credit to my credit card account. It's like chargebacks 101."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d7f52a086ad42579df9d04b2eedb1a4
encoding: FLOAT32
metadata:
{"chroma:document": "Truist Bank (formerly SunTrust and BB&T) have predatory and illegal processes in place that will charge your account into the Hundreds of Dollars. They will show the customer one balance while having another, so if you see $50 in your account and withdrawal $40, they may charge you an overdraft fee. Note: They claim what I see reflects all posted AND pending items so it should be a true balance - it is NOT. They will NOT admit fault, they will play \u201c3-Card Monty\u201d with your numbers and justify their thievery. Lastly, they are held by the same conglomerate that own Wells Fargo, so choose wisely when picking a bank. After 40 years with the same account I am forced to leave banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e93b96a833049128966664f36a677d6
encoding: FLOAT32
metadata:
{"chroma:document": "I was in hurricane Ian. I had no power or internet for quite some time. I couldn't do online banking or visit a branch. I overdrafted my account 3-4 times during this. They offered no help and charged me for every single overdraft. The worst part is I paid my account to $0. I closed my account. I was logged in and my account said CLOSED. After the account was closed they allowed more funds to be withdrawn when the account was CLOSED for a month. I have to pay $72 for more overdraft fees when the account wasn't even active. Customer service told me politely to kick rocks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d19db279f70a46438e2320f7461d8eb8
encoding: FLOAT32
metadata:
{"chroma:document": "My father passed away. Death Certificates and Probate takes time. His debit card and identification were missing from his wallet when he arrived at the hospital. I live in a different state that does not have Truist banks. I traveled over 2100 miles to the state he lived in. I went to local branch after branch to report his card missing and hopefully freeze his account. They wouldn't take his name, account number, Social Security number, medical records or doctors' statements. They refused to help me because I wasn't a Truist Account Member and didn't have a POA or Probate Title to his account yet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b43dafa021541c79223dd9af34fef01
encoding: FLOAT32
metadata:
{"chroma:document": "I was with SunTrust for 14 years and always loved them. They were purchased by Truist and there is zero willingness to be helpful to customers. I've had large deposits on local checks that were put on hold for 7 days and when I called on the 7th day they told me I'd have to wait until the system released it at night. I've asked the branch to partially release funds on deposits and they won't. I went into a branch in Orlando and there weren't any tellers only ATMs and offices. I told them I needed 100s. I had to go into an office to do my transaction so someone could go behind close doors and get my cash. I've had my account flagged as fraud when I wrote a check to myself from another account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f14d9a104fb4b268afb5381aeb9efa4
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my first bank account with Suntrust (now Truist) a couple years before they merged. Christmas of 2020 my grandmother gave me a check to help cover my college costs at the time, I deposited the check and it looked like it just didn't go through for the first week, then out of nowhere I was locked out of my account. When I called to ask about it, after being on hold for over an hour, the woman who answered told me she couldn't give me a reason why, but that they were no longer willing to work with me, and that they would send my remaining balances of both my checking and savings account after holding it for 30 days. I didn't get those checks for six weeks, and because of that was completely without money that entire time. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 226cda53f36c489abf8f814e8e41c2cd
encoding: FLOAT32
metadata:
{"chroma:document": "I can see why the ratings are very low, as I am a customer.. I pulled into the drive thru had to wait 3 cars later\u2026 Finally I parked my vehicle in one line and had to stand outside in the next line in order to get waited on. After ok pulling off.. Never mind I had to wait for 30 min for one deposit\u2026 The teller skipped me and she apologized to the other customers for their terrible service\u2026 Unbelievable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89131cb9259f498c820c4f1efe9a49c9
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the Truist Small Business Credit Card for about a year now. When calling into their customer service no one knows what they are looking at and information is inconsistent. Not to mention each time I have been either hung up on or transferred blindly to another clueless department. Also, their account statement retrieval system is from the ice age. You will not be able to get your past transactions in excel form. My experience with this bank and this product has been horrid!! Run from these people!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e64241254904fb794be619fc1ad7f79
encoding: FLOAT32
metadata:
{"chroma:document": "I normally use online payments to pay my HOA but I decided to go to a nearby Truist bank to make my HOA payment. Upon arriving the line was long and there was only one teller working. There were two people working the drive thru window. After 10 minutes in line I decided to use the drive thru window since there was no one at the drive thru. When I gave the teller my HOA statement and my debit card she said I had to go inside and have a cash advance done since it was a debit card. I went back inside and now I'm at the end of the line. 30 minutes later I was next in line and the man working the teller window came from the drivethru window to help me. I explained that I simply wanted to pay my HOA fee using my debit card. The other lady working the drive thru window told me to come inside. She said I would need to make an ATM withdrawal. The ATM is outside in a drive up lane. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48ad9593acb140c19cb7a2e33d7ee822
encoding: FLOAT32
metadata:
{"chroma:document": "1-Star review because there is no 0-star option. My SunTrust auto loan (serviced by BB&T) was transferred to Truist when there were about 5 payments remaining. All preceding payments were made to SunTrust (via BB&T) by auto-withdrawal. Truist chose to modify my loan contract by converting the final payment (payment 48 of 48) to pay-by-stub. I had no idea Truist was my loan servicer as I never received any correspondence from them, including the one that explained the payment change. It turns our Truist was sending all correspondence to the wrong address (my old address). When I moved, I had provided SunTrust with my address change that evidently never made it to BB&T who was servicing the auto loan, and where Truist got their incorrect address information. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 125efacd2dbb4fbba65ac30ef373b2bf
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to report fraud but they wouldn't without suspending my account which I could not do until I could go in and get a temporary card and of course there was help inside the bank so I told the person on the phone that I could not get a new card yet so she said she would not report the fraud. So I said fine, I will go in the branch again in a few days. I go to use my debit card a few minutes later and it's declined. I go call back and they have no idea why. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d12be733ea61490c8b9e8152c6d7a21e
encoding: FLOAT32
metadata:
{"chroma:document": "They raised my interest rates without informing me. It takes anywhere from 45 minutes to 2 hours on hold to contact customer service, and once they answer, there is a high probability they will hang up on you. Wholly frustrating experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 744978c1dced4f94b790de0d836f9955
encoding: FLOAT32
metadata:
{"chroma:document": "We were happy with SunTrust and have used them over fifteen years. They had a simple website. One of the perks was free credit monitoring from IDnotify. With Truist taking over things have changed. Now it seems like a marketing world when you log in. It is no longer about banking, but about others competing for the business of Truist customers. I dont know a lot about hacking, but it seems to me this can be a back door for someone to gain access into your account by clicking on, say. WalMart or Dropbox or any number of companies who have the ability for you to click on their access through Truist."}


