How to file a mortgage complaint

Keep the records the official destination is likely to ask for. Gather them for that destination. Do not send them to U.S. Mortgage Index.

• The company name as it appears on statements or letters
• Account or loan context, if that destination asks for it
• Relevant dates
• Copies of written communications
• A concise description of the problem

This page is not an intake form. USMI does not collect a complaint narrative.

The Consumer Financial Protection Bureau complaint system may be relevant for many mortgage products and companies the CFPB covers. Use the official page and follow the instructions there. A submission is a consumer complaint for the company's response process. It is not, by itself, a finding of misconduct.

Submit a complaint — Consumer Financial Protection Bureau

For a problem with your loan or servicing, use the company's published customer-support or written-error process where one exists. The CFPB explains how a written notice of error or information request differs from a phone call. USMI does not invent a company-specific process and does not contact the company for you.

How to dispute an error or request information — CFPB

No single regulator handles every mortgage dispute. The relevant office depends on the kind of company.

• Banks: FDIC BankFind can help identify an FDIC-insured bank. The Office of the Comptroller of the Currency publishes information for national banks.
• Credit unions: the National Credit Union Administration publishes credit-union records.
• Many state-licensed mortgage companies and mortgage loan originators appear in NMLS Consumer Access. That lookup does not cover every institution.

• FDIC BankFind
• Office of the Comptroller of the Currency
• National Credit Union Administration
• NMLS Consumer Access

• Publishes public-source research and educational guides
• Shows institution profile and source context
• Does not resolve disputes
• Does not accept or publish user complaint submissions

A correction to a published USMI record is a different process from a complaint about a company. Request a correction.

• Mortgage problems
• Servicer not responding
• Escrow shortage
• Payment increased
• How to verify a mortgage lender
• Sources
• Methodology

• Official agencies decide their own jurisdiction and process.
• Program and process details can change.
• Verify the current instructions at the official destination before you rely on them.
• USMI does not say that filing a complaint stops foreclosure or changes what you owe.

• CFPB — Submit a complaint
• CFPB — Dispute an error or request information
• FDIC BankFind
• OCC
• NCUA
• NMLS Consumer Access
• USMI sources
• USMI methodology