Here are five templates for writing a dispute letter to a mortgage company. We provide all types of templates. Please let us know in the comments if you need any template for your needs.
[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]
[Recipient’s Name] [Recipient’s Title] [Mortgage Company Name] [Mortgage Company Address] [City, State, ZIP]
Subject: Dispute of Incorrect Mortgage Account Information
Dear [Recipient’s Name],
I hope this letter finds you well. I am writing to formally dispute the accuracy of the information related to my mortgage account, [Mortgage Account Number], with [Mortgage Company Name]. Upon reviewing my recent statements and records, I have noticed discrepancies in the account details that require immediate attention.
The discrepancies include [describe the specific inaccuracies, e.g., incorrect payment posting, improper escrow calculation, etc.]. I kindly request a thorough investigation into these matters to rectify the inaccuracies and update my account information accordingly.
I have enclosed copies of supporting documentation [if applicable, attach copies of relevant statements, payment receipts, etc.] to substantiate my claims. Please provide me with a written response detailing the steps taken to address and resolve these discrepancies.
I appreciate your prompt attention to this matter and the timely resolution of the inaccuracies. Please contact me at your earliest convenience to discuss this dispute further.
Thank you for your assistance.
Sincerely,
[Your Signature] [Your Printed Name]
Enclosures: Copies of Supporting Documentation
[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]
[Recipient’s Name] [Recipient’s Title] [Mortgage Company Name] [Mortgage Company Address] [City, State, ZIP]
Subject: Dispute Regarding Escrow Account Issues
Dear [Recipient’s Name],
I trust this letter finds you well. I am writing to formally dispute matters pertaining to my escrow account associated with mortgage account number [Mortgage Account Number] held with [Mortgage Company Name].
I have noticed discrepancies and irregularities in the management of my escrow account, specifically concerning [describe the specific issue, e.g., incorrect property tax calculation, inadequate homeowner’s insurance coverage, etc.]. These discrepancies have raised concerns about the accurate handling of my escrow funds and the proper payment of property-related expenses.
I kindly request a comprehensive review of my escrow account, along with an explanation of the discrepancies and corrective actions taken to rectify the situation. Enclosed are copies of relevant documents [if applicable, attach copies of escrow statements, tax bills, insurance documents, etc.] to support my claims.
Your prompt attention to this matter is crucial to maintaining transparency and accuracy in the management of my mortgage account. Please provide a written response outlining the steps taken to address these concerns.
Thank you for your prompt response and resolution.
Sincerely,
[Your Signature] [Your Printed Name]
Enclosures: Copies of Relevant Documents
[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]
[Recipient’s Name] [Recipient’s Title] [Mortgage Company Name] [Mortgage Company Address] [City, State, ZIP]
Subject: Dispute of Late Payment Reporting
Dear [Recipient’s Name],
I hope this letter finds you in good health. I am writing to formally dispute the reporting of late payments on my mortgage account, [Mortgage Account Number], with [Mortgage Company Name]. I believe there is an error in the reporting of late payments for the months of [Specify the months in question].
I have consistently made payments on time, and I have supporting evidence to confirm this. Enclosed with this letter, please find copies of my bank statements, canceled checks, and payment receipts for the disputed months.
I kindly request an investigation into this matter and the timely correction of my payment history. Please provide me with written confirmation of the resolution and any adjustments made to my account.
Your attention to this dispute is greatly appreciated. Thank you for your assistance.
Sincerely,
[Your Signature] [Your Printed Name]
Enclosures: Copies of Supporting Documentation
[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]
[Recipient’s Name] [Recipient’s Title] [Mortgage Company Name] [Mortgage Company Address] [City, State, ZIP]
Subject: Dispute of Principal and Interest Calculation
Dear [Recipient’s Name],
I trust this letter finds you well. I am writing to formally dispute the accuracy of the principal and interest calculation on my mortgage account, [Mortgage Account Number], with [Mortgage Company Name].
Upon reviewing my recent statements, I have identified discrepancies in the calculation of the principal and interest portions of my monthly payments. These discrepancies are causing confusion and concern, as they affect the overall repayment of my loan.
I kindly request a thorough examination of the principal and interest calculations, along with a detailed explanation of the formula and factors used. Please provide a written response outlining the findings of the investigation and any necessary corrections to my account.
I appreciate your prompt attention to this matter and your efforts to ensure the accuracy of my mortgage account information.
Thank you for your assistance.
Sincerely,
[Your Signature] [Your Printed Name]
[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]
[Recipient’s Name] [Recipient’s Title] [Mortgage Company Name] [Mortgage Company Address] [City, State, ZIP]
Subject: Dispute of Unauthorized Fee Charges
Dear [Recipient’s Name],
I hope this letter finds you well. I am writing to formally dispute the assessment of certain fees on my mortgage account, [Mortgage Account Number], with [Mortgage Company Name]. Upon reviewing my recent statements, I have identified fees that I believe were charged in error or without proper justification.
Specifically, I am disputing the [mention the type of fee, e.g., late payment fee, processing fee, etc.] charged on [Specify the date of the charge]. I was not provided with any notice or explanation for this fee, and I believe it is unjustified.
I kindly request a detailed breakdown of the fee in question, along with any relevant supporting documentation that justifies its assessment. Additionally, I request the removal of the fee if it is found to be inaccurately charged.
Your prompt attention to this matter and your assistance in resolving this dispute will be greatly appreciated. Please provide a written response outlining the findings of the investigation and any actions taken.
Thank you for your cooperation.
Sincerely,
[Your Signature] [Your Printed Name]
These templates can serve as starting points for your dispute letter to a mortgage company. Be sure to customize them to address your specific circumstances and concerns. Providing relevant documentation to support your claims can enhance the effectiveness of your dispute resolution process.
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