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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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Can I send a QWR, error dispute, or information request to my mortgage servicer no matter what kind of mortgage I have?

Answer:

If you have a closed-end mortgage, your mortgage servicer is required to follow certain rules.

With a closed-end mortgage (in which you receive the entire loan amount upfront and cannot redraw after that), your mortgage servicer is required to follow certain rules if you send a Qualified Written Request (QWR), notice of error, or request for information.  However, your servicer isn’t required to follow these rules if you send one of these documents about a home equity line of credit.

Learn more about the best way to request information from or dispute an error with your mortgage servicer and about how your servicer is required to respond to you.

If you have a problem with your mortgage, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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