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Fees charged for closing account. I am filing a complaint against XXXX XXXX and XXXX XXXX from Flagstar Bank in XXXX MI ( XXXX XXXX XXXX ) for not following bank regulations for a joint account with survivorship. On XX/XX/2022, I presented my husband 's death certificate to close 3 CDs ( XXXX, XXXX ). XXXX XXXX insisted that a penalty would be applied because survivorship meant beneficiaries. I disagreed. I showed her an invoice from XXXX XXXX XXXX XXXX verifying no penalty for closing my CD account. I asked her why Flagstar is the only bank that does not follow bank regulations. She said she would consult with XXXX XXXX. When she returned, XXXX XXXX said XXXX XXXX agreed with her that survivorship meant beneficiaries, so penalties would be applied. I requested to speak to her supervisor