What can I do if my mortgage servicer does not respond to an error notice or information request?
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Short answer
If a written notice of error or information request goes unanswered, the CFPB lists a complaint channel as a next step. The same page flags missing any reply more than five days after the servicer received the letter, not counting weekends and legal public holidays, and missing a further reply more than 30 of those days after receipt.
Full explanation
When a written notice of error or information request draws no useful reply, the CFPB points to its complaint channel and to its separate explainer on how to send those letters and how a servicer is supposed to respond.
Two timing flags appear on that page. One is that more than five days have passed since the servicer received the letter—skipping weekends and legal public holidays—and you have heard nothing. The other is that you got an initial written acknowledgment, but more than 30 of those same days have passed without any further communication.
Those day counts are the CFPB's published red flags for silence, not a complete reprint of every servicing-rule deadline or extension. A complaint reports a concern; it is not a finding that the servicer violated the rule. The CFPB lists a complaint channel online or by calling (855) 411-CFPB (2372).
Sources reviewed
My mortgage servicer has not responded to a notice of error or information request that I sent. What can I do?
Limits
Educational summary of public sources. Not personalized advice. The original official source controls where applicable.
Last reviewed
September 10, 2026
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