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Flagstar Bank $31.5M Data Breach Class Action Settlement

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Last reviewed Jun 18, 2026 · details verified against the official settlement notice.

Who qualifies?

About 2.19 million U.S. customers and employees whose personal information was impacted by Flagstar's January 2021 and/or December 2021 data breaches — those who received an 'Angus v. Flagstar Bank' notice with a Settlement Claim ID. California residents (~364,000) get an extra CCPA payment.

  • Received an 'Angus v. Flagstar Bank' notice with a Settlement Claim ID (impacted by the 2021 breaches)
  • Claim ID is required to file even for the no-proof cash/monitoring tiers
  • Receipts required only for the up-to-$25,000 documented-losses tier

What is this settlement about?

A $31.5 million settlement resolves Angus et al. v. Flagstar Bank, N.A. (Eastern District of Michigan) over two 2021 Flagstar data breaches: a January 2021 breach of the Accellion file-transfer platform (~1.47M people) and a December 2021 breach — about 2,187,170 affected individuals combined, including ~364,000 California residents. The suit alleges Flagstar failed to adequately protect customers' and employees' personal information and delayed notifying them. Flagstar denies the claims and settled without admitting liability.

Who's excluded: Covers only Flagstar Bank, N.A. customers/employees affected by the 2021 breaches — NOT former NYCB legacy or Signature Bank customers, and not people who became Flagstar customers only after 2021. Benefits may be reduced pro rata if approved claims exceed the $31.5M cap.

How much can you get?

  • Residual cash — ~$60 (up to $599)

    A flat cash payment estimated around $60, potentially up to $599 depending on how many file. No proof beyond your Claim ID.

  • Documented losses — up to $25,000

    Reimbursement for out-of-pocket losses traceable to the breaches (fraud/identity-theft costs, unreimbursed charges, credit monitoring purchased, professional fees, lost time). Requires receipts/documentation.

  • 3 years three-bureau credit monitoring

    All class members get three years of Equifax/Experian/TransUnion credit monitoring — only the Claim ID is needed.

  • California statutory payment — up to $100

    California subclass members get an additional CCPA payment of up to $100, stacked on the other benefits, with just the Claim ID and California residency.

How to file your claim

  1. 1Open flagstarsettlement.com, click 'Submit a Claim,' and enter your Settlement Claim ID from your notice.
  2. 2Select your benefits (residual cash, monitoring, CA statutory) and upload documents for the documented-losses tier.
  3. 3Submit online by 11:59:59 PM ET or postmark by August 11, 2026.

Important dates

  1. Opt-out / objection deadlineJune 29, 2026
  2. Claim form deadlineAugust 11, 2026
  3. Final approval hearingOctober 1, 2026, Eastern District of Michigan

When will payments be made?

Payments begin after final approval at the October 1, 2026 hearing and once the appeal period passes — best case late 2026 or early 2027; appeals could delay 12–36 months. Electronic options (PayPal/Venmo/Zelle/virtual card) are faster than a mailed check.

Frequently asked questions

Do I need proof for the Flagstar settlement?+

You need the Settlement Claim ID from your notice to file at all. The residual cash, credit monitoring, and California CCPA payment need only the Claim ID; receipts are required only for the up-to-$25,000 documented-losses tier.

How much can I get?+

An estimated ~$60 residual cash (up to $599), plus up to $25,000 for documented losses, plus three years of three-bureau credit monitoring. California residents add up to $100 under the CCPA.

Which customers are included?+

Only Flagstar Bank, N.A. customers/employees affected by the January and December 2021 breaches — not former NYCB or Signature Bank customers. If you got an 'Angus v. Flagstar' notice, you're on the list.

Is the Flagstar Bank settlement legit?+

Yes. This is a real, court-authorized class action settlement (Angus et al. v. Flagstar Bank, N.A.), administered by Eisner Advisory Group LLC. ClaimSensor links only to the official settlement website and verifies every listing against the official administrator — we never collect your claim or charge a fee.

Official sources

ClaimSensor is not a law firm and does not provide legal advice or represent claimants. We are not affiliated with the settlement administrator unless explicitly stated. Eligibility and payment amounts are not guaranteed. All claims are processed and paid by the official settlement administrator. Submit truthful information — claims are filed under penalty of perjury.