Resolving Disputes With
Your Mortgage Loan Servicer
I
nformation provided by this website is for informational purposes
only and DOES NOT serve as legal advice. Filing a complaint against a
loan servicer with a governmental agency is not a substitute for obtaining
legal representation. Do not delay in seeking assistance if you have fallen behind on your
mortgage payments or have questions or concerns about your mortgage loan
account. Many housing counseling agencies have counselors who specialize in
assisting homeowners with mortgage concerns. To find a HUD-approved housing
counselor near you, call 1-800-569-4287. Maryland residents can also call the
Maryland Center for Community Development (MCCD) Housing Hotline at
1-888-949-6677. The web site for the United States Department of Housing and Urban
Development (HUD) provides information regarding "Your Rights and the
Responsibilities of the Mortgage Servicer."
HUD recommends that borrowers
attempt to resolve a dispute about their mortgage account by sending a
Qualified Written Request to the loan servicer.
Filing Complaints Against A Mortgage Loan Servicer
Borrowers who have unresolved disputes can file complaints with
HUD,
the
Federal Trade Commission
(FTC), Office of Thrift Supervision
(OTC) and their local state agencies.
The Community Law Center is currently serving as a Nationwide Clearinghouse
to document complaints filed with state and federal agencies concerning loan
servicers.
The Nationwide Clearinghouse page will help direct your complaints to the
appropriate agencies in your state of residence. Maryland residents see state
agencies listed below.
Division
of Financial Regulation -- Maryland Homeowners Only
Attn: Michael Jackson, Regulatory Policy Director
500 N. Calvert Street, Suite 402
Baltimore, MD 21202
FAX # 410-333-3866
PHONE # 410-230-6097
Office
of the Attorney General-- Maryland Homeowners Only
Consumer Protection Division
Attn: Scott Bailey, Esq. Assist. Attorney General
200 St. Paul Place, 16th Floor
Baltimore, MD 21202
FAX # 410-576-7040
PHONE # 410-528-8662
HUD Hotlines
(FHA BORROWERS PLEASE INDICATE THAT YOUR LOAN
IS AN FHA INSURED LOAN.)
Office of RESPA
Office of Housing, Room 9154
US Department of Housing and Urban Development
451 Seventh Street, S.W.
Washington, DC 20410
PHONE 1-800-347-3735
FAX 202-708-4829 Attn: Robert Ashworth
E-MAIL hotline@hudoig.gov
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
Consumer Response Center's toll free number: 877-FTC-HELP
Office of Thrift
Supervision
Complaints regarding a Federally-Chartered
Savings Bank (FSB) should also be sent to the Office of Thrift Supervision (OTS).
See the OTS website for appropriate regional office to send your complaint.
The letter of complaint should include:
1. Explain your previous attempts
to resolve the dispute directly with your loan servicer. Include the name of the company servicing your loan, the loan
or account number, and the property address for the mortgage. Indicate
if your loan is FHA or VA insured.
2. Your name, address and daytime telephone number.
3. Name, title and telephone number
of your loan servicer's employees AND attorneys with whom you have had contact.
4. Nature of the complaint with as
much detail as possible.
5. Proof of payment, proof of
insurance, and other documents that support your complaint.
6. The resolution you are seeking.
BE SPECIFIC.
The Community Law Center, Inc.
