Reporting Mortgage Fraud

Mon. Dec. 11, 2017
"Fraud and falsehood only dread examination. Truth invites it."
- Samuel Johnson

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National Resources for Reporting Mortgage Fraud and Scams

FBI

The Federal Bureau of Investigation (FBI) - National Financial Institution Fraud Unit
(202) 324-3000

The FBI, a branch of the United States Department of Justice, investigates and enforces the criminal laws of the U.S. It investigates violations of Federal laws, while state authorities investigate criminal acts that violate their state's laws.

In conjunction with the 'White Collar Crime' department, the FBI investigates mortgage fraud, which often involves many professionals working in collusion: bank loan officers, realtors, appraisers, accountants, and mortgage brokers. All of these profit through various commissions, fictitious sales and fees:often on loans that aren't genuine.

To report mortgage fraud with the FBI, contact the Field Division listed under each state.


FTC

Federal Trade Commission and Consumer Response Center
Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington DC 20580
Toll Free Phone: (877) 438-4338 - Identity Theft Clearinghouse
Consumer Response Center: (877) 382-4357

While the FTC doesn't actually resolve individual consumer complaints, it does investigate mortgage fraud with the aim of leading to law enforcement action. The FTC is especially active regarding homeowner and mortgage 'identity theft.' In addition to reporting mortgage fraud and scams to other appropriate agencies, filing with the FTC helps put crooks out of business.


National Banks

Office of the Comptroller of the Currency (OCC)
Comptroller of the Currency
Midwestern District Office
2345 Grand Avenue, Suite 700
Kansas City, MO, 64108-2683
Phone: (800) 613-6743

The OCC charters, regulates and supervises over 2,500 national banks. Go to the web site of the Office of the Comptroller of the Currency to report fraud


Federal Savings and Loan Associations

Office of Thrift Supervision (OTS) -Consumer Affairs
1700 G Street NW
Washington, DC 20552
Phone: (202) 906-6000
Phone: (800) 842-6929 -for consumer complaints
E-mail: consumer.complaint@ots.treas.gov

The Office of Thrift Supervision (OTS), a bureau of the US Department of the Treasury, regulates all federally chartered and some state-chartered thrift institutions, including savings and loans and savings banks. The OTS has regional offices in all states. To report mortgage fraud or mortgage scams that pertain to a savings & loan association or savings bank, see the contact information listed under each state.

Federal and State Chartered Credit Unions

National Credit Union Administration (NCUA)
4807 Spicewood Springs Road, Suite 5200
Austin, TX 78759-8490
Phone: (512) 349-4500

The NCUA handles complaints about federally-chartered credit unions, and all credit unions chartered in Delaware, South Dakota, Wyoming or Washington, DC. NCUA has five Regional Offices Albany, NY, Tempe, AZ, Alexandria, VA, Austin, TX, and Atlanta, GA. To report mortgage fraud or mortgage scams that pertain to a federal credit union, see the contact information listed under each state.


State Chartered Credit Unions
Each state supervises the Credit Unions that it charters (except for Delaware, South Dakota, Wyoming and Washington, DC). To report mortgage fraud or mortgage scams that pertain to a state credit union, see the contact information listed under each state.


National Associations

National Association of Attorneys General
750 First Street, NE, Suite 1100
Washington, DC 20002
Phone: (202) 326-6000
Fax: (202) 408-7014

The Attorney General of each state provides legal representation for that state and its various agencies. The Attorney General's Office does not perform legal services or give "advise" to the public. These offices do want you to report mortgage fraud, predatory lending, and mortgage (and other) scams to them.

Almost all Attorney General Offices provide consumer complaint forms on their web sites to make reporting mortgage scams and fraud easier. These offices are seriously dedicated to assisting the citizens of the state. The National Attorneys General Office consolidates the individual state's actions against predatory mortgage lending practices.


Office for Victims of Crime (OVC)
The Office for Victims of Crime (OVC) publishes literature on various victim situations, such as identity theft. A copy of "Attorney General Guidelines for Victim and Witness Assistance" can be obtained online.


The Better Business Bureau (BBB)
4200 Wilson Blvd, Suite 800
Arlington, VA 22203-1838

The Better Business Bureau (BBB) is a network of over 120 independent, local bureaus. They try to resolve complaints and keep the public informed. To contact the office nearest you, see their web site.


Federal Reserve Board of Governors of the Federal Reserve System
20th Street and Constitution Avenue NW
Washington, DC 20551


National Consumers League (NCL)
1701 K Street, NW, Suite 1200
Washington DC 20006.
Phone: (202) 835-3323
Fax: (202) 835-0747
Email: info@nclnet.org


National Fraud Information Center
The National Fraud Information Center is a project of the National Consumers League. It focuses mainly on fraud against the elderly, as well as Internet and telemarketing fraud, and all kinds of mortgage fraud and mortgage scams.


Center for Responsible Lending
302 West Main Street
Durham, NC 27701
Phone: (919) 313-8500
Fax: (919) 313-8595,

910 17th Street NW, Suite 500
Washington, DC 20006
Phone: (202) 349-1850
Fax: (202) 289-9009, or,

Predatory Lending & Victim Referral Services
email: anna.moore@responsiblelending.org
Phone: (919) 313-8523


Mortgage Bankers Association
Phone: (800) 348-3931 to report abuse
1919 Pennsylvania Avenue, NW
Washington, DC 20006-3438
Phone: (202) 557-2700


National Association of Mortgage Brokers
8201 Greensboro Drive, Ste. 300
McLean, VA 22102
Phone: (703) 610-9009
Fax: (703) 610-9005

Contact them to report suspicious activity of a Mortgage Broker

National Association of Realtors
430 North Michigan Avenue,
Chicago, IL. 60611-4087

500 New Jersey Avenue, NW,
Washington, DC 20001-2020
Phone: (800) 874-6500
Contact them to report suspicious activity of a Realtor


U.S. Dept. of Housing and Urban Development (HUD)
Office of Consumer and Regulatory Affairs
Director, Interstate land Sales/RESPA Division
451 7th Street S.W.
Washington, DC 20410
Phone: (202) 708-4560
National Hotline: (800) 347-3735

Arbitration Resources

When using an arbitration service, borrowers can also have an attorney represent them.
The major arbitration administrators that consumers utilize are:


National Arbitration Forum
In North America: (800) 474-2371
Phone: (952) 516-6400
Fax: (952) 345-1160
Toll-free fax: (866) 743-4517
Email: info@arb-forum.com

American Arbitration Association (ADR)
The ADR also has regional offices in many states.
Corporate Headquarters
335 Madison Avenue, Floor 10
New York, New York 10017-4605
Phone: (212) 716-5800
Fax: (212) 716-5905
Customer Service: (800) 778-7879
E-mail: websitemail@adr.org


Jams Endispute
This company has offices and mediators throughout the United States.

Major Credit Bureaus

Equifax
For Fraud Alerts:
P.O. Box 740241
Atlanta, GA 30374-0241
Phone: (800) 525-6285

Experian
For Fraud Alerts:
P.O. Box 9530
Allen TX 75013
Phone: (888) 397-3742

Trans Union
For Fraud Alerts:
Phone: 800-680-7289
Fraud Victim Assistance Division,
P.O. Box 6790,
Fullerton, CA 92634
TDD: (877) 553-7803

Other Organizations

ACORN: Association of Community Organizations for Reform Now

After reporting mortgage fraud, scams and predatory lending practices to the appropriate agencies, you can also notify ACORN about your situation by contacting your state ACORN directly.
Consumer Federation of America (CFA)

We believe the information on this page was accurate when published. However some of it may subsequently change. If you learn of any incorrect information on this web page, we'd appreciate being advised so we may continue to provide the most current and useful information possible. Thank you.

If you believe that you have been the victim of a crime, you should consult with your own attorney, in addition to local law enforcement.