The number 18009687700 is just another way to write +1-800-968-7700. It is a free phone number in the United States. When people search on Google, they often type it without dashes, so it looks like 18009687700.
This is an official phone number of Flagstar Bank. Flagstar Bank is a real American bank. It started in 1987 in Michigan and now has more than 400 branches. Millions of people use Flagstar for home loans, savings accounts, and everyday banking. In 2022, a bigger bank called New York Community Bank bought Flagstar, so the bank became even stronger.
You can see 800-968-7700 written on the real Flagstar website (flagstar.com) many times. It is their main customer service number, especially for people who have home loans or mortgages. The bank says you can call Monday to Friday from 7:30 in the morning until 9:00 at night (Eastern Time) and on Saturday from 8:30 am to 6:00 pm.
So the number itself is completely real. Flagstar Bank really owns it and uses it every day.
Why Are So Many People Afraid of This Number?
Even when a number is real, many people feel scared when they see it on their phone. There is one big reason for this fear.
Scammers have special software that lets them change the number that shows on your screen. This is called “spoofing.” A scammer can sit in another country and make their call look exactly like 800-968-7700. When you look at your phone, you see “Flagstar Bank” and you think everything is okay. But it can be a criminal who wants to steal your money or.
Because of spoofing, even the best bank numbers can be used by bad people. That is why thousands of people every month search “18009687700 scam” on Google. They want to be sure they are safe.
How to Know 100% If the Call Is Really from the Bank
There is one very easy trick that always works.
If someone calls you first and says they are from Flagstar Bank, do not answer any private questions. Do not give your Social Security number, password, bank card number, or any other secret information.
Just say, “Thank you, I will call you back,” and hang up quickly.
Then open your phone or computer and go to the official website www.flagstar.com. Look for the “Contact Us” page. You will see 800-968-7700 written there. Call that exact number yourself.
When the bank answers, say, “Someone called me a few minutes ago from this number. Was it really Flagstar?” The real bank worker can check and tell you yes or no.
This simple step takes only two or three minutes, but it keeps you completely safe every time.
What Happens When Real Customers Call This Number
Thousands of people call 800-968-7700 every day and get real help. They ask about their monthly house payment, change their address after moving, or fix a problem with the bank app. The workers are usually kind and solve the problem quickly.
Some customers get calls from this number about real things. For example, the bank might call if your house insurance paper is missing or if a payment is late. These calls are real, but they can feel sudden and scary. Many people hang up, search online, and worry about a scam. When they call back using the website, they learn everything was true.
A small number of people have received fake calls that showed 800-968-7700. The fake caller asked for money with gift cards or wanted the full Social Security number. Those people who hung up fast and called the bank back lost nothing. They stayed safe because they followed the simple rule.
The Favorite Stories Scammers Use with This Number
Scammers always use the same stories because they work on some people. Here are the most common ones with 18009687700.
They say your mortgage payment did not arrive and your house is in danger. They tell you to pay right now using a credit card or wire money.
They say someone is trying to steal from your account and they need your login details to “keep you safe.”
They say you have extra money or a refund coming, and they just need your bank routing number to send it.
They say the bank made a mistake and you must move your money to a new “safe” account right now.
Real banks never ask for passwords, full Social Security numbers, or gift cards over the phone. If you hear any of these stories, you can be sure it is a scam – even if the phone shows the correct Flagstar number.
Simple Rules That Protect You from Almost All Phone Scams
These rules are short, but they are very powerful.
Never give private information when someone calls you first. Real banks already have everything they need.
Never send money, buy gift cards, or pay with Bitcoin because a caller tells you to.
Never click links in text messages that say they are from the bank.
Always hang up and call back using the number on the official website or the back of your card.
Check your bank account online after you hang up. Real problems will show inside your safe login.
Tell the bank about strange calls. Flagstar has a special fraud phone number: 888-248-6423.
If you do these things every time, you will almost never lose money to a phone scam.
What to Do If You Already Gave Information by Mistake
Sometimes good people make a mistake and give private details before they know it is a scam. If this happens to you, do not panic. Just act very fast.
Call Flagstar Bank right away at 800-968-7700 and say, “I think I spoke to a scammer.” They will lock your account quickly.
Change your online banking password to something new and strong.
Call the three credit companies (Equifax, Experian, TransUnion) and ask them to freeze your credit. This is free and stops new accounts from opening in your name.
Report the scam at ftc.gov/complaint. This helps police stop the criminals.
The faster you move, the less damage happens. Most people who act quickly lose nothing.
How Flagstar Bank Tries to Keep Customers Safe
Flagstar knows phone scams are a big problem. That is why they put clear warnings on their website. They tell everyone never to give passwords or full Social Security numbers on the phone.
The bank also watches your account all the time. If something strange happens, they send you a safe message inside online banking or a text that only asks you to log in the normal way.
Flagstar workers are trained never to ask for secret information when they call you. If they really need something, they ask you to log in safely or visit a branch in person.
The Truth About Old Scam Warnings Online
When you search “18009687700 scam,” you see some old websites that say this number is dangerous. Many of those pages are from years ago when scammers first started using this number. The warnings are still true – scammers do use it – but the number itself is still real and safe when you call it yourself.
The important thing to remember is this: the danger is not the number. The danger is the person behind the call.
Final Answer – Is 18009687700 Safe?
Yes, 18009687700 (800-968-7700) is a real, official, and safe phone number owned by Flagstar Bank. You can call it anytime from the bank’s website and get real help.
No, you cannot trust it 100% when someone calls you first, because scammers can copy the number on your screen.
Disclaimer: This article is just for information. It is not an ad and we do not earn money if you call the number. We try to give correct information, but we cannot promise it is 100% safe. Always check with the bank yourself. We are not responsible if anything goes wrong.
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Ramona P. Woodmansee is a writer who helps people stay safe on the internet. She writes about tricky apps and online scams in a simple and honest way. Her stories help readers make smart choices online. Ramona’s articles are on trusted websites about internet safety. People trust her because she writes clearly and truthfully.
