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My mortgage servicer says I never made my payment but I did. What can I do?

You should send a notice of error to your servicer. 

This is a letter with which you would be disputing the error and explaining the issue to your servicer.

If you are at risk of foreclosure  or you have been served legal papers, you may also want to consult an attorney. If you need help finding an attorney you can view this list of legal aid services in your state. If you have low or moderate income, visit to see if there are programs in your state that offer free legal help.

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