XX/XX/XXXX - I opened my checking account via a promotion of {$300.00} at the XXXX XXXX located in XXXX XXXX, XXXX. I provided the {$50.00} opening amount deposit to the bank staff, XXXX. This was all that was requested after the bank 's system checked me. XX/XX/XXXX - I returned to the bank and deposited cash into the new checking account because there was a problem with my online banking access. XX/XX/XXXX - My first direct deposit from my employer which satisfies my promo condition. XX/XX/XXXX - I returned to the bank and inquired why I did not receive the bonus via the bank employee, XXXX. She looked at the fine details of the terms and said because I was a former customer of a previous bank, XXXX XXXX?, which is now the owner of XXXX, I do not qualify. I debated that I never knew this fact and no one would know this since it is NOT the current name of the bank. She said she would get back to me. XX/XX/XXXX - I called the XXXX branch and spoke with XXXX.…
CFPB COMPLAINT DATABASE
New York Community Bancorp Inc.
136 real consumer complaints filed against New York Community Bancorp Inc. at the Consumer Financial Protection Bureau in the last 12 months. 14 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing an account34
- 02Trouble during payment process31
- 03Incorrect information on your report11
- 04Closing on a mortgage8
- 05Closing an account7
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I have a bill pay service with Overdraft Protection and never had a payment check bounced. The check # XXXX sent through Bill Pay for {$80.00} on XX/XX/26 to XXXX XXXX was bounced on XX/XX/26. I was in utter shock. At the same time, my debit card transaction was declined too despite having plenty of money in the my savings account to use thru Overdraft Protection. My bank XXXX system was having a glitch. XXXXXXXX XXXX XXXX charged him {$25.00} bounced check fee which I had to pay him with a manual check # XXXX for {$100.00} with {$80.00} plus his fee of {$25.00} he was charged. Check # XXXX cleared my account on XX/XX/26 just fine.
I closed a CD and then started a new CD when matured. They had a computer glitch with the interest and mailed me the interest in the form of a check. This means they held onto the money form the time they realized the glitch, mailed a check which probably took them at least 10 days, the time in the mail and the time until I could get to the bank to cash the check. Therefore I am not getting the interest on the mailed check and now not getting it at the rate the CD is accruing. I know it's not a lot, but it's MY money. They should have somehow deposited back into this CD with the interest lost. OR they should have sent me an additional amount of good faith and lost money to me which they didn't. Their company policy is tough luck, be happy we are sending you YOUR money. Please fine them and/or make therapy me the interest I lost at the origin CD rate. This is unacceptable for a good bank and they feel they are off the hook for mailing me some of my money but not all.
XXXX years later we are getting bills requesting that we pay {$75.00} a month for not closing the HELOC out with XXXX XXXX which is now over {$600.00}. Threatening to go the legal route to get monies they think are owed to them. Documents have been sent to them CLEARLY stating the HELOC was to be satisfied and terminated the day of the closing. I could understand reaching out if the amounts were not correct at the closing time, but to wait 4.5 years to request that this be taken care of is absolutely absurd, and borderline harassment. I will NEVER do any type of business w/ this CO or it's affiliates. Shady work practices, don't earn trust. Trying to scare someone into thinking they owe that kind of money in this economy is criminal. Shame on you XXXX!!
b"- Opened a XXXX checking acct in XXXX XXXX opted for online statements to avoid XXXX monthly fee.\n\n- Have received XXXX deductions XXXX times (monthly) since opening. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the XXXX XXXX XXXXr, there is no XXXX but the XXXX XXXX Statement shows a deduction date of XXXX- After inquiring why this deduction is being made, requesting that it stop, and correcting the error, I was told by both XXXX and XXXX at XXXX XXXX XXXX XXXX XXXX OH, that XXXX XXXX is responsible for this error, they cannot identify why these deductions are happening, will try to get them to stop, and said currently (I've been attempting to get this corrected for about a month) they cannot find a way to correct the error and credit my account.\n\n- I feel I'm entitled to have the deductions stop, a full credit in addition to penalties and…
Recent complaints
The 30 most recent complaints against New York Community Bancorp Inc. where the consumer chose to publish their narrative.
I have been banking with XXXX XXXX and I have noticed that my direct deposit has been held. I have had several employers and and others with the same bank and they have the same complaint. My funds used to be released by Wednesday night now they are being held until Friday morning after XXXX, which was not the case before. They say its my company but this is happening with several companies and other banks have not had this issue with those employers like XXXX has had.
In XXXX, I lost access to my XXXX account after a phone number change. I made attempts to recover access but was unsuccessful. Because I could not stop the charges through the merchant, I cancelled my debit card specifically to prevent further transactions. Despite cancelling the card, charges from XXXX continued to be processed using the same card information for an extended period of time, totaling approximately {$1200.00}. I disputed these transactions with Flagstar Bank and received over XXXX separate letters denying my claim with inconsistent determinations. A small number of charges were credited ( {$79.00} ) but the majority were denied. The bank 's primary reasoning for denial was based on Regulation E and a 60-day reporting window. However, this response does not address the core issue : transactions continued to be approved after debit card had already been closed.…
Complaint to CFPB Inaccurate and Contradictory Mortgage Reporting ( XXXX / XXXX Loan ) I am filing a formal complaint regarding inaccurate and misleading credit reporting by XXXX XXXX as reported on my consumer credit file with XXXX. The account in question is an FHA mortgage serviced by XXXX XXXX. My XXXX credit report reflects multiple contradictions and inaccuracies regarding this account. Specifically, the account is being reported as : - $ XXXX monthly payment - Paid in full/ transferred to another lender - Yet also showing delinquent status and negative payment history These entries are inconsistent and do not accurately reflect the true history of the account. The mortgage was paid in full, transferred appropriately, and maintained in good standing, with no late payments during the life of the loan. The reporting of delinquency is incorrect and misleading.…
Between XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I sent a total of {$4200.00} via XXXX in five transactions to XXXX XXXX for lodging accommodations advertised under XXXX XXXX XXXX XXXX XXXX. The payment was made for travel services scheduled for a group trip. Less than three weeks prior to departure, the recipient cancelled the trip and did not provide the agreed-upon services or issue any refund. I contacted my bank to dispute the transactions as fraud/misrepresentation due to non-delivery of services. I provided supporting documentation, including traveler statements and proof of payment, and an official police report confirming an active investigation. The bank denied my claim, stating that the transactions were authorized under XXXX terms and conditions without doing a thorough investigation. However, the transactions were obtained under false pretenses and were not properly investigated as fraud.…
b'I opened my XXXX account for my company back in XXXX. I approved two employees to be signers. Those two employees later became signers for another company as well, and moved money back-and-forth between the two companies. Sometimes it was fine, sometimes it definitely was not. \n\nIn the last few years, I was removed from my account by a signer that made himself an admin via XXXX corporate connect portal. I have been unable to access my account for the past couple years. It was not an issue when the companies were working well together, and I trusted those employees, but the admin has since left, and Im still unable to get into my account. I was unable to resolve the issue over the phone with XXXX, so I walked into the branch in XXXX on XXXX, looking to obtain access to my account, temporarily freeze it, and remove all other users/signers.…
XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, WI XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX Number : XXXX Inquiry Date : XX/XX/XXXX Public record information on file at XXXX XXXX XXXX XXXX was utilized for this inquiry. Should you wish to request your file disclosure from XXXX XXXX XXXX XXXX you may contact them at : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX, Phone number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Public record information on file at XXXX XXXXXXXX XXXX XXXX was utilized for this inquiry. Should you wish to request your file disclosure from XXXX XXXX XXXX XXXX you may contact them at : XXXX XXXX XXXX XXXX XXXX, XXXX.…
From the time I received and activated the card, approximately 3 weeks prior, I have been declined bank transfers as well as a majority of purchases including those involving household bills. Numerous complaints have been made with no explanation resolution. I have been purposefully deceived as to why transactions and transfer attempts have failed such as the card was flagged for fraudulent activity. More infuriating is the suggestion to use another form of payment. I have also been told to go to my bank submit a cash advance ( at a cost ) and simply deposit the money into my account. This is not an option for my bank is across the country with no locations in my area. The actions, or the lack thereof, on the part of this institution is widely practiced and unacceptable especially when we are dealing with government benefits.…
I am filing a complaint against XXXX XXXX regarding restricted access to my funds. I opened an account approximately one week ago and deposited my money through their ATM. My funds was took by the ATM, I FILED A CLAIM .they told me the next day they have my XXXXXXXX XXXX from their atm.. Shortly after, I was informed that my account was restricted due to an inability to verify my Social Security number. While I understand the need for identity verification, the bank has refused to release my funds or proceed with closing my account and returning my balance unless I provide documentation from the Social Security Administration. I have requested that the account simply be closed and that my remaining funds be returned to me, but this has not been accommodated. I am concerned that I am being denied reasonable access to my own money without a clear or timely resolution. I respectfully request assistance in resolving this matter and ensuring that my funds are returned promptly.
I added my husband 's new XXXX account with email address XXXX and tried sending {$1700.00} ( XXXX allowed {$2000.00} ) to him around XX/XX/year>, but Flagstar Bank blocked the transaction calling it a fraud. We have been with Flagstar for several years with over {$360000.00} in the accounts. I called them to resolve the issue and was super frustrated with their customer service representative as she was not helpful at all. It's a joint account with my husband and either one of us can call and get the accounts issues resolved. They make is extremely difficult to withdraw the funds when urgently needed.
My complaint is about Flagstar Bank. I opened an account with them due to a banking bonus. Within a month, I decided to shut it down for several reasons : 1. Delayed deposits : XXXX would show funds being deposited XXXX days prior. However, it would not show up in my account. When I tried to call, the system would make it extremely difficult to connect with a live agent through chat or phone. When I persisted, the deposit would suddenly appear like magic - right that instant- which led me to believe they have strange trackers on their website. It seemed like they would only credit the deposit with push back. 2. Restrictions around external transfers : I would try to make external deposits but would be restricted from doing so. First, they would try to hold my opening deposit of {$50.00} for XXXX business days, even though there were larger amounts deposited after the fact. Second, they would say that I didn't meet minimum thresholds to make a transfer ( which I met ).…
Re : CFPB Complaint Flagstar Mortgage Reporting Error ( Loan # XXXX ) I am submitting this complaint regarding inaccurate credit reporting by Flagstar Bank related to my mortgage loan ( Loan Number XXXX ). In XX/XX/XXXX, my mortgage account experienced a servicing error when the automatic payment was not properly processed by the servicer. My transaction history reflects payment reversals and misapplied funds during that period. After discovering the issue, I continued making my payments on time. My payments from XX/XX/XXXX onward were made before the XXXX of each month and within the standard mortgage grace period, and I later caught up the XXXX payment as well. Despite this, XXXX reported a chain of XXXX late payments throughout XXXX. These late payments appear to be the result of a rolling delinquency caused by the initial servicing error rather than actual borrower delinquency.…
XXXX XXXX was the lender I used to finance the purchase of my current property in XX/XX/XXXX. A representative from XXXX reached out to me last XXXX to convince me to apply for a refinance application for the same property. The application was submitted on XX/XX/XXXX. The original mortgage and refinance loan type is a " Bank Statement '' loan. On XX/XX/XXXX, I was informed the file had been submitted to underwriting on XX/XX/XXXX, with an expected response within a day or two. Updated bank statements requested by underwriting were provided promptly. On XX/XX/XXXX, I followed up requesting a decision and confirmation of next steps. I was told the file was back with the underwriter and a response was expected that afternoon.…
XXXX XX/XX/XXXX Re : XXXX form for mortgage interest paid during XXXX To Whom It May Concern : The mortgage on my home was being serviced by XXXX XXXX up through XXXX, XXXX. I should have received a XXXX form detailing my mortgage payments and particularly my home mortgage interest payments by XXXX, XXXX. I first contacted your customer service line in XXXX and was told the XXXX was sent by mail and that it could take up to XXXX business days to arrive. It did not arrive. I called again and was told that a duplicate XXXX would be mailed and could take up to ten days to arrive. It did not arrive. I called one last time and was told that there was one more day before the receipt deadline passed. That was yesterday. It did not arrive. I proposed a simple remedy for the problem : send the XXXX by email. Your representatives told me this was impossible but could not explain why. Now I have to pursue a more arduous solution.…
I am filing this complaint regarding a 30-day late payment reported in XX/XX/year> during an active refinance payoff process. The loan was paid in full and closed in XX/XX/year>. The reported delinquency occurred during escrow coordination and payoff timing, not due to ongoing nonpayment. I previously attempted to resolve this directly with the lender without response. This was a single isolated incident during refinancing and does not reflect a pattern of delinquency. I am requesting a goodwill adjustment and removal of the 30-day late from my credit reporting due to refinance payoff timing and the loan being paid and closed in full.
2nd Trail payment for modification trial amount {$1300.00} that was sent by XXXX XXXX XXXX, XXXX, to Flagstar Bank. Payment was not applied to my mortgage as of XXXX. Flagstar received payment XXXX XXXX, XXXX. See tracking conformation, cashier check proof. Received foreclosure letter from foreclosure attorney. I am currently in a trial period. Conversation with XXXX Loss Mitigation XXXX XXXX, XXXX ; she stated they did receive the trial payment of XXXX XXXX, XX/XX/year>. She said she emailed the collection dept to escalate.
I opened a checking account with Flagstar Bank entirely online. However, when I attempted to close the account, I was informed that the only way to close it is by sending a physical letter by mail or visit a branch far from where I live. Meanwhile, they are not reimbursing my expense to mail. Because the account was opened online, requiring a physical mailed letter to close the account creates an unnecessary barrier and imposes an unreasonable burden on the consumer. The bank provides comprehensive online banking services and identity verification for account opening and account management, but refuses to allow account closure through the same secure online channel. This requirement is particularly concerning because it may expose consumers to the risk of ongoing account maintenance fees or other charges while waiting for a mailed request to be processed. In addition, mailing sensitive account information increases the risk of identity theft or loss.…
My mother had a checking account with Flagstar Bank with her XXXX children as beneficiaries. She is now deceased. I went to the branch on XXXX in XXXX XXXX XXXX MI where she opened the account. I presented the death certificate and my driver 's license to inform the bank that she had died and to begin the process of closing the account and distributing the funds. I was told that all XXXX beneficiaries had to be present in the bank at the same time to start the process. We are unable to all be at the bank together because I live out of state and my siblings all have their own schedules. This is a major inconvenience for all beneficiaries. I don't understand why it has to be this difficult to close this account.
My home was burnt down and the insurance company paid it off and issued a check to the loan holder Flagstar, on XX/XX/XXXX of XXXX. On XX/XX/XXXX of XXXX that check was cashed and cleared. My insurance companies bank, XXXX XXXX XXXX, was able to tell me that information. The original company that had my loan or mortgage was XXXX who then sold it to Flagstar. Flagstar is who received the check ( as that is who the check was written out to ). They then sold it or transferred my mortgage to XXXX XXXX, XXXX XXXX then transferred it to XXXX & XXXX, who informed me that XXXX and XXXX was who I needed to speak to as they are who is managing the account. I was just notified by a XXXX XXXX that my home was being auctioned off today. They got a hold of me I'm going to say Thursday of last week which would have been XX/XX/XXXX. I've spent XXXX hours on the phone today trying to figure out whether or not my home was being auctioned off ( or rather my property ).…
My mortgage was bought out from Flagstar Bank in XXXX of XXXX by XXXX XXXX. I contacted XXXX on XX/XX/XXXX, about my XXXX form. They said theyre legally required to mail them out by XX/XX/XXXX, which was a Saturday. It does not take 20 days for something mailed from Michigan to reach California. I emailed them on XX/XX/XXXX, and they said they don't have access to that information and to contact my new company. I don't need the XXXX from XXXX XXXX, I need it from XXXX, and I told them that in the email. I contacted them again on XX/XX/XXXX, asking if they could email me my statement. They said it would take up to 7 days for an email. It's now XX/XX/XXXX, and I still haven't received the physical one they supposedly mailed on XX/XX/XXXX, nor the email statement I requested. I called again today, and they changed their response from " it's been mailed '' to " sorry, we're still working on it. '' Ive already had to cancel one appointment to do my taxes.
In XX/XX/XXXX, a mortgage application was submitted to XXXX XXXX for an FHA loan. Since that time, the underwriting process has been repeatedly delayed and is now at risk of denial despite all requested documentation being provided in good faith. Social Security Overpayment Concern In late XX/XX/XXXX, underwriting raised concerns regarding a Social Security overpayment connected to qualifying income. The following documentation was provided : Social Security benefit verification showing full monthly benefits continue SSA correspondence confirming no active collection or withholding Bank statements showing full benefit deposits with no reductions confirmation that no repayment plan exists proof that a refund was issued The Social Security Administration confirmed the review is administrative and there is no timeline for completion. They also confirmed no recovery action is occurring and benefits continue in full.…
I'm a XXXX XXXXXXXX XXXX XXXX XXXX in XXXX and I started banking with XXXX in XXXX. I signed up for an online account, and had all of my credentials verified through an online portal. When I was stationed in XXXX I switched over to an Italian number, which I could not use for the dual factor authentication. I paid for a service that allowed me to maintain an American number for texts and calls, so I could still receive XXXX time passcodes. The service provider for that phone number stated that it was only meant to be used in the XXXX and they discontinued my access to the number. I tried to log on to my account and it requires that I perform the XXXX process for the respective number. There is no alternative method, so I call the online service. I called the online customer support on XXXX XX/XX/XXXX and they were able to verify my identity, but had no means to make any changes to my account, and that I needed to contact the branch.…
I received a 1098 with a strange name on it and my daughters name is missing. They were aware of it sent no notices to customers and have refused to send notices guaranteeing our information is safe because they no longer have a mortgage department and the error was from the company who they hired not from them. They refuse to do anything about it.
My mortgage was serviced by XXXX XXXX until it was sold in XX/XX/XXXX. I paid three months of mortgage payments in XXXX to XXXX XXXX. It is now XXXX and in order to file my income tax return I require a XXXX form from XXXX XXXX for the mortgage interest and property tax payments I made while they serviced my mortgage. They are required by 26 CFR 1.6050H-2 ( b ) ( 6 ) to supply me with a 1098 by XX/XX/XXXX. As of the date of this complaint, XX/XX/XXXX, I have not received the required 1098 form. I have communicated with XXXX XXXX by telephone on three occasions, and on each occasion I have been provided contradictory information regarding the status of my XXXX form. First, I was told that it was mailed on XX/XX/XXXX. When I did not receive the form in 5 business days from that date, I called XXXX XXXX again and this time I was told that there was a " printing error '' which resulted in " revised '' forms being mailed out on XX/XX/XXXX.…
Issue : Improper Account Restriction / Denial of Access to Funds I am filing a formal complaint against XXXX Bank for placing an unjustified restriction and lockout on my account despite the complete absence of fraud, disputed transactions, or unauthorized activity. Background My account has always remained in good standing. There has never been any claim of fraud or dispute associated with the account. Prior to the restriction : I requested a wire transfer limit increase to pay off a loan. The request was denied without valid justification. I then authorized a check in the amount of {$760000.00} payable to XXXX XXXX XXXX XXXX XXXX to satisfy a loan and proceed with an investment property purchase. The check was returned by XXXX citing signature discrepancy. I immediately contacted XXXX and again requested a wire transfer increase. I was informed the request was submitted for review.…
Flagstar Bank reported multiple XXXX days late payment entries to consumer reporting agencies. After reviewing my credit reports, I identified late payment information that is inaccurate and/or not properly verified. I contacted Flagstar Bank in writing and disputed the late payments, requesting documentation to support that the information was reported in compliance with federal law. Flagstar Bank did not provide proof that required billing statements were delivered at least XXXX days before the payment due dates, nor proof that I was notified in writing within XXXX days of furnishing negative credit information. Despite my dispute and requests for verification, Flagstar Bank continued to report the late payments without providing proper documentation or correcting the inaccurate information. I took timely action by submitting written disputes, but the inaccurate late payment reporting remains and continues to negatively affect my credit.
XXXX sent me a XXXX Mortgage XXXX XXXX with the wrong lender on it. The borrowers should be XXXX XXXX XXXX ( now XXXX ) and XXXX XXXX XXXX. In place of my wife, it has XXXX XXXX XXXX on the form, and we don't know who this person is- but to our knowledge, she's not even a prior resident at our home address. I tried calling XXXX twice at the start of the business day, but their automation refers me to XXXX & XXXX who is the current loan servicer. I also waited patiently for XXXX minutes a second time without a callback or any customer support answering my call. I need to have this XXXX form corrected and make sure the loan is documented for me and my wife. XXXX XXXX and XXXX XXXX were the lenders when we were with XXXX. It looks on the form ( see attached ) like it was revised XX/XX/year>? How this happened, we don't quite understand but would love some clarification and a fix from the bank. Thank you.
I received my annual escrow and interest statement and it has a random guys name on it. His name is XXXX XXXX whom I do not know. My name is underneath his on the paperwork. This was from XXXX XXXX Our mortgage had been transferred from XXXX last year I believe. The tax rolls are correct as of today. I just have no idea what might happen if I don't get his name off the paperwork.
I tried to call my old loan servicer XXXX to get my 1098 from earlier in 2025 prior to my mortgage being transferred and they refused to provide it. They said they couldn't find my information and my loan number was not pulling anything up. XXXX refused to help me or transfer me to someone else. I told her I was logged into my account and could see previous 1098s but not for 2025.
On XX/XX/XXXX, XXXX placed a management hold in the amount of - {$2000.00} on my high yield savings account. At the time, I had {$0.00} in my checking account. On XX/XX/XXXX, a deposit ( {$25.00} ) was made to my account from a friend and on XX/XX/XXXX, {$2.00} ( interest was credited to my account ). On XX/XX/XXXX, {$27.00} was withdrawn from my account ( external withdrawal to the bank ), leaving my account with a {$0.00} balance. On XX/XX/XXXX, I called the bank to request the management hold be removed ; the rep said it was a fraud hold and they had to contact the fraud department ; I was on hold for about XXXX minutes, they said the person who could remove the hold was not available and they would call me back later in the day. I never received a call. On XX/XX/XXXX, a deposit ( {$250.00} ) was made to my account from a friend. On XX/XX/XXXX, {$250.00} was withdrawn from my account ( external withdrawal to the bank ), leaving my account with a {$0.00} balance.…
RE : Qualified Written Request Under RESPA Section 6 ( 12 U.S.C. 2605 ) ( Formal Complaint - Failure to Remove Promised Late Fee Waivers ) NOTICE OF QUALIFIED WRITTEN REQUEST Dear Sir or Madam : This letter constitutes a Qualified Written Request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605. I am writing to formally dispute late fees that were improperly assessed to my VA home loan account and to demand their immediate removal. BACKGROUND AND TIMELINE 1. ) My VA home loan was originally serviced by XXXX XXXX and has been transferred to XXXX XXXX XXXX XXXX ( current servicer ). XXXX. ) In XX/XX/XXXX ( approximately XXXX months ago ), my mortgage had accumulated approximately XXXX months of late payments due to a delay in receiving my VA XXXX compensation benefits. I am an 100 % XXXX veteran and was unable to work while waiting for these benefits. XXXX.…
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