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File a complaint about a mortgage company

Find out where to complain about a mortgage company for discrimination, deceptive practices, and scams.

Report a mortgage lender for discrimination

If you think you have experienced housing discrimination, submit a housing complaint with the Department of Housing and Urban Development (HUD)

Housing discrimination happens when a lending institution gets in the way of a person buying housing because of their:

  • Race or color
  • National origin
  • Religion
  • Sex (gender, gender identity, or sexual orientation)
  • Familial status (such as having children)
  • Disability

The Fair Housing Act makes housing discrimination illegal. Read about the types of discrimination covered by the Fair Housing Act.

File a complaint about mortgage company services

If you are experiencing a problem with your mortgage company’s services, try contacting the company first. If you cannot resolve the issue with your lender, file a complaint with the Consumer Financial Protection Bureau (CFPB). Examples of common mortgage complaints include:

  • Applying for a mortgage
  • Receiving loan estimates and closing documents
  • Transferring a mortgage to another servicer
  • Applying your payments correctly
  • Refinancing or modifying a mortgage loan
  • Misreporting mortgage account status to you or credit reporting agencies
  • Requiring private mortgage insurance
  • Paying additional fees

Report deceptive mortgage practices and scams

Deceptive mortgage practices

Report a mortgage company to the Federal Trade Commission (FTC) if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include: 

  • False statements about their ability to offer a loan
  • Fees for services the mortgage company didn’t provide
  • Illegal tactics to collect on mortgage balances

Also, file a complaint with your state consumer protection office about deceptive mortgage practices.

Mortgage relief scams

A scammer may offer to adjust your mortgage so you will pay less and avoid foreclosure.

Learn from the FTC about mortgage relief scams, including:

  • Types of mortgage relief scams
  • What to do if you have been scammed
  • Where to report a mortgage relief scam
  • How to get real help if you are having trouble paying your mortgage

LAST UPDATED: December 7, 2023


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