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Mortgages

Trouble during payment process

Consumers have filed 116,075 complaints about this, 16,373 in the last 12 months (+33%), against 1,080 companies. The most complained-about is Shellpoint Mortgage Servicing. Companies closed 5% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Escrow, taxes, or insurance13,72212%
  • Trying to communicate with the company to fix an issue while managing or servicing your loan11,18810%
  • Payment process8,6697%
  • Loan sold or transferred to another company2,4442%
  • Fees charged2,1592%
  • Paying off the loan1,9262%
  • Private mortgage insurance (PMI)1,6301%
  • Lien release7000.6%
  • Interest rate5190.4%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 13, 2026Alabama Housing Finance AuthorityMortgagesTrouble during payment processPayment processNCIn progressYes
Nov 11, 2026Cardinal Financial Company, Limited PartnershipMortgagesTrouble during payment processEscrow, taxes, or insurancePAIn progressYes
Nov 11, 2026Ocwen FinancialMortgagesTrouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loanNYIn progressYes
Nov 10, 2026Planet Home LendingMortgagesTrouble during payment processEscrow, taxes, or insuranceMDExplainedYes
Nov 9, 2026BOK FinancialMortgagesTrouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loanAZIn progressYes
Nov 9, 2026Navy Federal Credit UnionMortgagesTrouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loanMDIn progressYes
Nov 9, 2026Intercontinental ExchangeMortgagesTrouble during payment processLoan sold or transferred to another companyCAIn progressYes
Nov 7, 2026Shellpoint Mortgage ServicingMortgagesTrouble during payment processPayment processCAExplainedYes
Nov 7, 2026Idaho Housing And Finance AssociationMortgagesTrouble during payment processLien releaseTXIn progressYes
Nov 6, 2026Carrington Mortgage ServicesMortgagesTrouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loanCAIn progressYes
Nov 6, 2026PNC BankMortgagesTrouble during payment processPayment processCAIn progressYes
Nov 6, 2026United Wholesale MortgageMortgagesTrouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loanMIExplainedYes
Nov 6, 2026Idaho Housing And Finance AssociationMortgagesTrouble during payment processPayment processCTIn progressYes
Nov 6, 2026PNC BankMortgagesTrouble during payment processPayment processILIn progressYes
Nov 6, 2026Mortgage Solutions of ColoradoMortgagesTrouble during payment processEscrow, taxes, or insuranceFLExplainedYes

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

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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

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