Search Mortgage Complaints
440,896 consumer complaints across 76 mortgage servicers, sourced from the CFPB database (2012–present).
The CFPB Consumer Complaint Database is the largest public record of mortgage servicing disputes in the United States. Search by servicer name, issue type, state, or keyword to find complaint patterns. Each complaint shows whether the servicer responded on time and how it was resolved. If you're having problems with your mortgage servicer, this data can help you understand whether your experience is isolated or part of a broader pattern.
Search the Archive
Select a servicer to browse their 500 most recent complaints. Filter by issue type, state, date range, or search by keyword.
Top Servicers by Complaint Volume
These 10 servicers account for the majority of mortgage complaints in the CFPB database. Click any servicer name for their full complaint profile, including trend charts, enforcement actions, and issue breakdowns.
| Rank | Servicer | Complaints | Timely Rate | Top Issue |
|---|---|---|---|---|
| 1 | WELLS FARGO & COMPANY | 48,908 | 99.8% | Loan modification,collection,foreclosure |
| 2 | BANK OF AMERICA, NATIONAL ASSOCIATION | 47,734 | 97.8% | Loan modification,collection,foreclosure |
| 3 | Ocwen Financial Corporation | 34,720 | 98.5% | Loan modification,collection,foreclosure |
| 4 | JPMORGAN CHASE & CO. | 25,212 | 100.0% | Loan modification,collection,foreclosure |
| 5 | NATIONSTAR MORTGAGE LLC | 18,593 | 99.3% | Loan modification,collection,foreclosure |
| 6 | Shellpoint Partners, LLC | 14,990 | 99.3% | Trouble during payment process |
| 7 | SELECT PORTFOLIO SERVICING, INC. | 14,438 | 99.6% | Struggling to pay mortgage |
| 8 | Ditech Financial LLC | 13,628 | 99.7% | Loan servicing, payments, escrow account |
| 9 | Mr. Cooper Group Inc. | 13,311 | 99.9% | Trouble during payment process |
| 10 | CITIBANK, N.A. | 10,322 | 98.3% | Loan modification,collection,foreclosure |
How to File a Complaint
If you're experiencing problems with your mortgage servicer — incorrect payment processing, loss mitigation delays, escrow errors, or failure to respond to written requests — you have the right to file a formal complaint.
File with the CFPB
Submit a complaint at consumerfinance.gov/complaint. Select "Mortgage" as the product type. The CFPB will forward your complaint to the servicer, which must respond within 15 days.
Send a Qualified Written Request
Under RESPA § 6, you can send a formal written request to your servicer's designated address. They must acknowledge within 5 business days and resolve within 30. Send via certified mail, return receipt requested.
File a Notice of Error
Under 12 CFR § 1024.35, you can formally notify your servicer of 11 categories of errors. This triggers a 30-business-day investigation requirement and protections against negative credit reporting during the investigation.
Get Free Help
Call a HUD-approved housing counselor at 800-569-4287 for free assistance. You can also find legal aid in your state for advice on servicer disputes and loss mitigation rights.
Disclaimer: Complaint data is sourced from the CFPB Consumer Complaint Database, a public dataset of consumer-reported issues. Complaint counts reflect the volume of consumer-reported issues and do not constitute findings of wrongdoing. Larger servicers handle more loans and may naturally receive more complaints. American Default does not provide legal advice.
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