Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Mortgages

Struggling to pay mortgage

Consumers have filed 65,413 complaints about this, 9,756 in the last 12 months (+74%), against 823 companies. The most complained-about is Shellpoint Mortgage Servicing. Companies closed 3% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure9,12314%
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu4,6787%
  • Foreclosure4,5937%
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief3,2615%

By month

By state

ALAKAZARCACOCTDEDCFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPAPRRISCSDTNTXUTVTVAWAWVWIWY
Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 12, 2026ClearPath LendingMortgagesStruggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosureGAIn progressYes
Nov 11, 2026Bank of AmericaMortgagesStruggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosureMDIn progressYes
Nov 11, 2026PNC BankMortgagesStruggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieuMDIn progressYes
Nov 11, 2026Idaho Housing And Finance AssociationMortgagesStruggling to pay mortgageForeclosureTXIn progressYes
Nov 10, 2026Truhome SolutionsMortgagesStruggling to pay mortgageForeclosureMOExplainedYes
Nov 9, 2026Truhome SolutionsMortgagesStruggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieuTXExplainedYes
Nov 9, 2026Rhode Island Housing and Mortgage FinanceMortgagesStruggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieuMEExplainedYes
Nov 9, 2026HilltopMortgagesStruggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosureKSExplainedYes
Nov 9, 2026Boeing Employees' Credit UnionMortgagesStruggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieuWAIn progressYes
Nov 9, 2026PennyMacMortgagesStruggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosureGAExplainedYes
Nov 8, 2026Navy Federal Credit UnionMortgagesStruggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosureCOIn progressYes
Nov 8, 2026BOK FinancialMortgagesStruggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieuAZIn progressYes
Nov 7, 2026SeleneMortgagesStruggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieuFLExplainedYes
Nov 7, 2026Ocwen FinancialMortgagesStruggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosureGAIn progressYes
Nov 7, 2026Real Time GroupMortgagesStruggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosureCAExplainedYes

Your rights with mortgage lenders & servicers

Your mortgage servicer must correct errors you report in a written notice of error and answer written requests for information, usually within 30 business days. It must apply payments on the day they arrive, and it generally cannot start foreclosure until you are more than 120 days behind or while a complete loss-mitigation application is pending.

Scam warning: Be careful of anyone who charges up front to save your home, tells you to stop paying your servicer, or asks you to sign over the deed. HUD-approved housing counselors help for free.

General information, not legal advice; rules vary by state. Plain-English guides

Talk about it

Be kind and stick to facts. No account numbers or other people's details. Rules

No comments yet. Start the conversation - questions are welcome too.

Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience