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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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I mailed my mortgage payment before it was due but my servicer received it after the due date and charged me a late fee. Can my servicer do this?

Yes, your servicer can charge you a late fee if it receives your payment after the due date, even if you mailed your payment on time. Most servicers do not go by the postmark on your payment envelope but by when they receive your payment, though some states have laws that may regulate servicers’ assessments of late fees.

Be sure you allow time for transit when you mail your payment. If your servicer receive your payment before the due date, but delayed posting it until after the due date, charging late fees is inappropriate. Should the servicer refuse to remove the fee, you can file a complaint with the CFPB online or by calling 1-855-411-CFPB (2372).

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.