RoundPoint payment complaints make up 76.5% of its mortgage record
Payment-process problems account for 76.5% of RoundPoint’s CFPB mortgage complaints. RoundPoint is a mortgage servicer now owned by CrossCountry Mortgage. Its customer service number is 877-426-8805. Mail payments to the address on your current statement.
Next edition expected January 2027
RoundPoint phone number and the address for written requests
RoundPoint prints these routes on its own pages. American Default is independent of RoundPoint, CrossCountry Mortgage and the government.
RoundPoint mortgage assistance and customer service
877-426-8805RoundPoint offers a mortgage assistance application by phone at this number. The same line handles general servicing questions.
Listed on roundpointmortgage.com · checked Oct 23, 2026
Notices of error and requests for information
RoundPoint Mortgage Servicing LLC
PO Box 19789
Charlotte, NC 28219-9409
This box is for a letter about a servicing error or a request for loan information. RoundPoint no longer prints the older “Attn: Customer Resolution” line on its current page. It is separate from the payment and assistance box.
Listed on roundpointmortgage.com · checked Oct 23, 2026
RoundPoint also offers an online Loan Solution Center and a printable mortgage assistance application. Its payment help page lists separate mail and fax routes for that application. RoundPoint designates a different box, PO Box 19789, for notices of error and information requests.
If your loan moved, compare the company on your latest statement with your transfer notice before using an old contact card. RoundPoint continues to print its own servicing line.
Who owns RoundPoint after the 2026 sale?
CrossCountry Mortgage said it closed the purchase of Two Harbors, including RoundPoint, on August 25, 2026 (company announcement). Two Harbors had bought RoundPoint from Freedom Mortgage in 2023.
The company that collects payments is the servicer; the company that owns the loan can differ. RoundPoint still lists its service number and written-request box. A transfer notice identifies the servicer for a transferred loan.
What did people complain about to the CFPB?
For October 21, 2025, through October 20, 2026, the CFPB received 314 mortgage complaints filed under “RoundPoint Mortgage Servicing LLC.” The preceding equal-length window had 283.
The CFPB marked 308 of the recent complaints as answered on time, or 98.1%. The median timely-response rate was 100.0% among 32 other companies with at least 200 mortgage complaints in the same window.
Since May 1, 2017, 76.5% of RoundPoint complaints concern “Trouble during payment process.” The median is 50.4% among 74 other companies with at least 200 mortgage complaints. The chart compares those shares.
Complaints about struggling to pay make up 12.7% of RoundPoint’s record, below the 23.6% peer median. The two issue categories point to different problems in this company’s complaint mix.
76.5% of RoundPoint complaints concern payments, versus 50.4% at peers
RoundPoint Mortgage Servicing LLC and the median of other companies; complaints since May 1, 2017
This company Median of other companies
Trouble during payment process
Struggling to pay mortgage
Closing on a mortgage
Applying for a mortgage or refinancing an existing mortgage
Incorrect information on your report
Problem with a company's investigation into an existing problem
How did the company close CFPB complaints?
In RoundPoint’s January 2025–October 2026 CFPB record, 97.2% complaints closed with an explanation. Another 0.0% closed with non-monetary relief and 0.0% with monetary relief. Across eligible peer companies, the middle shares for the two relief categories were 0.0% and 0.5%.
Those closure labels record RoundPoint’s response to the CFPB; they do not decide whether an individual borrower’s account was correct.
How has the RoundPoint complaint count changed by year?
RoundPoint’s latest full-year bar is 2025. Its 2026 bar ends October 20, leaving the final months out of the annual comparison. The chart shows how the company’s complaint count changed over the preceding calendar years.
RoundPoint: 289 in 2025, 245 through October 20, 2026
CFPB company label: RoundPoint Mortgage Servicing LLC; 2026 ends October 20
How did the latest 12 months compare with the prior 12 months?
The CFPB recorded 283 mortgage complaints under “RoundPoint Mortgage Servicing LLC” in the earlier equal-length window and 314 in the latest. The chart sets the two periods side by side.
RoundPoint: 283 complaints before, 314 now
Equal 12-month windows ending October 20, 2026
When did RoundPoint answer complaints late?
The CFPB’s timely-response field recorded 8 late answers to mortgage complaints under “RoundPoint Mortgage Servicing LLC” from January 2025 through October 2026. The chart shows monthly counts.
RoundPoint: 8 late answers since January 2025
CFPB company label: RoundPoint Mortgage Servicing LLC; months through October 2026
What did Massachusetts say about the former corporation?
RoundPoint Mortgage Servicing Corporation was an earlier legal entity of the RoundPoint business. New York recorded the Corporation’s license surrender effective February 9, 2024. The brand, service phone and Charlotte mail routes continued under RoundPoint Mortgage Servicing LLC.
The state alleged failures in foreclosure-prevention reviews and debt collection. RoundPoint denied the allegations in the signed assurance. The $975,000 payment went to the Commonwealth. The order allowed the attorney general to distribute some or all of it to borrowers or other listed uses, but set no fixed borrower restitution amount (signed order).
How can you ask for help if you are behind?
RoundPoint says you can begin its mortgage assistance application online, by phone, or with a printed package (company instructions). The available help depends on your loan and the information you give the company.
A HUD-approved housing counselor is a trained, independent person who can discuss your situation for free. Find a counselor or ask a lawyer about a notice or sale date.
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Keep the two mail routes separate
RoundPoint lists PO Box 19409 for assistance applications and PO Box 19789 for notices of error or information requests.
Source: RoundPoint contact page
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Use the current loan statement when a loan moves
Your latest statement and any transfer notice identify the company collecting payments. Federal rules also address how a payment sent to the former servicer is treated soon after a transfer. A counselor can explain the rule for your dates.
Source: CFPB servicing transfer rule
Entrance to the Consumer Financial Protection Bureau in Washington, D.C. CFPB contact page
Where can you complain about RoundPoint?
The CFPB complaint form sends a mortgage complaint to the company for a response. A complaint is a record of the problem and the company’s reply.
Your state banking or mortgage regulator is another complaint route. The CFPB lists state regulators and complaint instructions. For help reviewing options, HUD’s local counselor search finds agencies by ZIP code or state, or call 800-569-4287.
RoundPoint regulator and court record
RoundPoint’s earlier Corporation entity is part of its record. These dated outcomes name the entity and the court or regulator.
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Sep 27, 2024
U.S. District Court for the Northern District of West Virginia Summary judgment
The district court granted RoundPoint Mortgage Servicing Corporation summary judgment in Edge v. RoundPoint. It dismissed the amended complaint with prejudice. An appeal was later docketed.
Admitted wrongdoing? No admission; this was a contested court decision.
No penalty or borrower payment stated in the ruling.
Status: District court judgment entered September 27, 2024; the later appeal remains on a separate docket. · Federal district court judgment
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Dec 22, 2022
Massachusetts attorney general and Suffolk Superior Court Assurance of discontinuance
The state alleged servicing and debt-collection violations. The signed agreement required practice changes and reporting.
Admitted wrongdoing? RoundPoint Mortgage Servicing Corporation expressly denied the attorney general’s allegations.
$975,000 payment to the Commonwealth; no fixed borrower restitution amount in the order
Status: The Massachusetts agreement was executed in 2022. · Signed Massachusetts assurance
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Apr 18, 2022
U.S. District Court for the Northern District of California Class settlement approval
RoundPoint Mortgage Servicing Corporation was the earlier RoundPoint legal entity.
The court approved a settlement of claims about telephone payment fees charged to a defined class from January 2016 through May 2021. The approval settled the claims without a liability ruling.
Admitted wrongdoing? The court made no liability ruling; the final order states no admission.
Pro rata class payments were ordered, but the final order does not state a total distributed amount; no government penalty was ordered.
Status: Final approval and dismissal with prejudice entered in 2022. · Federal final approval order
What the federal rules say about a written request
Federal deadlines have exceptions; a counselor or lawyer can apply them to a particular loan.
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An error notice has a designated address
A borrower can send a written notice of a servicing error to the company’s designated address. Federal rules require an acknowledgment within five business days and a response within 30 business days.
Source: CFPB notice-of-error rule
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A loan-information request has its own clock
A written request for information gets a response within 30 business days. A request for the loan owner’s identity has a shorter deadline. The rule permits a servicer to designate an address.
Source: CFPB information-request rule
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Questions about RoundPoint Mortgage Servicing
What is RoundPoint’s mortgage assistance number?
RoundPoint lists 877-426-8805 for an application by phone on its payment help page. The line is also its general service number.
Where does a notice of error go?
RoundPoint’s contact page lists RoundPoint Mortgage Servicing LLC, PO Box 19789, Charlotte, NC 28219-9409. That is separate from its assistance application address.
Did RoundPoint admit wrongdoing in Massachusetts?
No. RoundPoint Mortgage Servicing Corporation denied the allegations in the signed 2022 assurance. The $975,000 payment went to the Commonwealth.
Do CFPB complaints show how often RoundPoint makes mistakes?
It recorded 314 complaints under “RoundPoint Mortgage Servicing LLC” from October 21, 2025, through October 20, 2026. Of complaints received since January 2025, 97.2% were closed with an explanation.
Protect yourself from scams
The FTC and CFPB describe these warning signs and the rules behind them:
- Upfront fees for promised relief are a warning sign. Under FTC mortgage-assistance rules, most companies that sell mortgage help cannot charge until a homeowner accepts a written offer from the mortgage company or lender. A separate FTC rule covers debt-relief companies that sell by phone and ties fees to a completed debt arrangement. It bars a fee until at least one debt has been settled or changed, the customer agrees to the arrangement, and the customer has made a payment under it. The FTC describes a narrow exception for lawyers who give help as part of the practice of law and are licensed in the state where the client or dwelling is. The lawyer follows that state's rules for attorneys, and advance fees are placed in a client trust account before services begin under state trust-account rules.
- HUD-approved foreclosure-prevention counseling is free. HUD’s national counselor line is 800-569-4287. The CFPB counselor finder lists agencies and their services. If an organization charges for help described as free HUD counseling, the CFPB finder can verify the agency and its listed services before any payment.
- A request to sign over a deed is a warning sign. The CFPB identifies title-transfer schemes among foreclosure-relief scams. Signing over title can mean losing ownership of the home; a lawyer can explain what a proposed document would do.
- Foreclosure protections depend on timing and the loan. Regulation X generally bars the first foreclosure notice or filing on a principal-residence loan until the borrower is more than 120 days behind, subject to exceptions. A complete assistance application can delay some foreclosure steps, but that depends on when it arrives; it does not necessarily stop every step. The CFPB warns about promises to “save” a home.
Free help if you're behind
Housing counselors approved by the U.S. Department of Housing and Urban Development work at nonprofit agencies. The Consumer Financial Protection Bureau describes free foreclosure-avoidance counseling, including help with mortgage-company conversations and available options Source CFPB.
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HUD-approved housing counselors
Our help directory lists 1,010 agencies approved for foreclosure counseling, by state.
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Legal aid
Nonprofit law offices give free civil legal help to people with low incomes. Our help directory lists the 120 offices the Legal Services Corporation funds.
Every figure on this page, with its period and the CFPB filter behind it, in one file. Free to use with credit to American Default Research.
Sources and method
We gather the data, run the numbers and research each company ourselves. The CFPB publishes complaints without verifying each account. Counts use the named CFPB company label and the dates shown. Peer medians include the other company labels with at least 200 mortgage complaints in the same period, including Valon Technologies. Updated: October 2026 · Next review expected: January 2027.
- Consumer Financial Protection Bureau, Consumer Complaint Database Mortgage complaints about the company, received through Oct 20, 2026. Our counts from the CFPB's complaint records.
- Service line, hours and designated mail route
- Mortgage assistance application routes
- 2026 change of ownership
- Massachusetts settlement
- District court decision
- RoundPoint telephone-fee class settlement
- State regulator complaint directory
- Local housing counseling agencies
- Former Corporation license surrender
We write with assistance from AI tools. Figures come from the data and sources named on this page.