File a CFPB Complaint Against Your Mortgage Company

If your mortgage company is engaging in unfair practices, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB will investigate your complaint and work to resolve the issue. You can submit a complaint online, by phone, or by mail. The CFPB will review your complaint and forward it to the company for a response.

Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026

The Direct Answer

To file a CFPB complaint against your mortgage company, start by gathering all relevant documents, including your loan paperwork, payment records, and communication with the company. Make sure to include your account information, a clear description of the issue, and any relevant dates.

The CFPB will review your complaint and forward it to the company for a response. You can expect a response from the company within 15 days, and the CFPB will work to resolve the issue within 60 days. If the issue is not resolved, you may be able to appeal the decision or seek further assistance from the CFPB.

How to File a CFPB Complaint

Step-by-Step Process

Gather all relevant documents, including your loan paperwork and payment records
Submit your complaint online, by phone, or by mail
Include your account information, a clear description of the issue, and any relevant dates

What to Expect After Filing a Complaint

After you file a complaint, the CFPB will review it and forward it to the company for a response. You can expect a response from the company within 15 days. The CFPB will work to resolve the issue within 60 days. If the issue is not resolved, you may be able to appeal the decision or seek further assistance from the CFPB.

CFPB Investigation and Resolution

Timeline and Next Steps

The CFPB will investigate your complaint and work to resolve the issue. If the company is found to have engaged in unfair practices, the CFPB may take enforcement action, including fines or other penalties. You may also be eligible for compensation or other relief.

Frequently Asked Questions

What types of complaints can I file with the CFPB?

You can file a complaint with the CFPB for a variety of issues, including unfair lending practices, mortgage servicing errors, and credit reporting errors. The CFPB will review your complaint and work to resolve the issue.

How long does it take to resolve a CFPB complaint?

The CFPB will work to resolve your complaint within 60 days. However, the timeline may vary depending on the complexity of the issue and the response from the company.

Can I file a complaint anonymously?

Yes, you can file a complaint anonymously with the CFPB. However, providing your contact information will help the CFPB to follow up with you and provide updates on the status of your complaint.

What if the company doesn't respond to my complaint?

If the company doesn't respond to your complaint, the CFPB may take further action, including sending a follow-up letter or initiating an investigation. You may also be able to seek further assistance from the CFPB or other consumer protection agencies.