We refinanced our mortgage through Flagstar Bank in December 2020. Our homeowners insurance policy was not affected with the refi and proof of hazard insurance was provided to Flagstar during the closing in December. Fast forward to May when we received a letter stating our hazard insurance lapsed from December 2020 through April 2021. Flagstar required proof of insurance or else they would purchase a policy for us. After several hours on the phone with Flagstar during a phone call on May 13, 2021, Customer Service Rep Melissa informed me she was able to verify with Homesite (our insurance provider) that we did have active insurance. Imagine my shock and disbelief when I received a letter today stating Flagstar charged me $818.50 for hazard insurance for a lapse in coverage from December 2020 through April 2021. Their actions are not only incompetent, their also criminal. They allowed a security breach sending my personal information including my social security number to be accessed on the dark web and all I got was a "Gee, we're sorry. Here's some credit monitoring for free". This joke of a bank needs to be shut down!