What to do when a Flagship Financial account holder dies
Report the death to Flagship Financial Customer Service at 1-800-900-5150
Flagship Financial operates under a new nameRebranded
Loans originated as Flagship Credit Acceptance accounts are serviced under the Flagship Financial Group LLC name. flagshipcredit.com redirects to flagshipfinancial.com and the customer portal my.flagshipcredit.com redirects to my.flagshipfinancial.com; the account number, phone number and payoff channels are unchanged.
Flagship Financial balances do not pass to anyone at death — they are settled. The executor reports the death to Flagship Financial Customer Service (1-800-900-5150), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Flagship Financial.
Death claim process
Follow these steps to file a death claim with Flagship Financial:
Filing a claim
- Where the borrower bought GAP or other debt protection coverage, Flagship provides the information needed to file those claims
- Flagship reports to the credit bureaus monthly, in the first week after month end
- The form's "Reason for Getting in Touch" list has no estate or deceased option; the closest choices are "Account/Payment History, Payoffs and General Account Questions" and "Other"
- Mailed payments received before 8:00 p.m. ET, including overnight and certified-mail payments, generally post within one to three business days of receipt
- Certified funds are cashier's checks, dealership checks, debit cards, money orders and Western Union wires
- Personal and business checks, BillPay, credit card checks, online banking transfers and automated phone payments are uncertified
Required Documents
- The 17-digit Flagship account numberIt is in the Account Information section of the monthly statement. Include it so mailed documents are matched to the account.
- Insurance claim details, if the vehicle is a total lossThe insurance policy number, date of loss, settlement amount, and the adjuster's name and contact information.
What happens to each kind of account1
- Loan
The contract is simple interest, so interest accrues daily on the remaining principal. The vehicle secures the loan, so missed payments can lead to repossession. Payments remain due until the loan is paid in full, and after a total loss the borrower owes any balance left once the insurer settles.1
Flagship releases the lien and sends the title or lien satisfaction to the party that paid off the loan only after the payoff has posted and the account is fully satisfied. Certified funds release the lien and title sooner than uncertified funds.1
A voluntary turn-in of the vehicle is still reported to the credit bureaus as a repossession, and a deficiency balance can remain if the vehicle sells for less than the amount owed.2
What Flagship Financial provides to the estate1
- Payoff statement
Flagship gives the current payoff amount by phone at 1-800-900-5150 or through the customer portal.3, 4
Not in Flagship Financial's published guidance4
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- How long a claim takes
Sources4
Flagship Financial Customer Service can be reached by phone at 1-800-900-5150 and email at customerservice@flagshipfinancial.com for questions throughout the claims process.
Sources
Data sourced from Flagship Financial primary sources (14 pages reviewed). How we research.
Flagship Financial death claims support
Flagship Financial Customer Service
Phone
Hours
Mailing address
Website
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