To report mortgage fraud, consumers can contact the FBI, FTC, lender oversight agencies, or state attorney general’s office. Each agency has a different process, but most accept reports online or over the phone with supporting documents.
If you have been a victim of mortgage fraud, as a consumer you have several different avenues you can take to file a mortgage fraud report. Each agency you file the report with has a slightly different complaint process. Some of the agencies that accept and investigate mortgage fraud complaints include the Federal Bureau of Investigation (FBI), Federal Trade Commission (FTC), the agency that oversees the type of lender (bank, credit union, etc.) , as well as the attorney general for the state where the fraud occurred.
While the FBI is a federal organization, the FBI also has field division offices. You can identify and contact your local field office by visiting the main FBI website. Once you identify the office, contact the listed phone number to determine exactly how that particular office handles reports of mortgage fraud.
The Federal Trade Commission also investigates mortgage fraud. The FTC allows consumers to file complaints online. Have all of the information from your mortgage fraud report in front of you as you complete the online complaint form. Once you file the report online, the FTC will send you a confirmation email and begin the investigation. The FTC also has the power to put unscrupulous companies out of business.
If the mortgage fraud occurred with a bank, you can also file a mortgage fraud report with the Office of the Comptroller of the Currency (OCC). This is the organization that issues bank letters to financial institutions. If the mortgage fraud is with a federal savings and loan institution, then you must file a complaint with the Office of Thrift Supervision (OTS), which oversees these types of organizations.
Mortgage fraud by a credit union must be reported to the National Credit Union Association (NCUA). Contact these organizations directly. Most have the ability to accept your mortgage fraud report over the phone or provide an online form that you can fill out and submit. You must attach all supporting documents to prove your case. Some institutions may ask you to fax these documents separately, but provide you with a case number or investigation number so they can match your documents to your file.
Each state also has an Office of the Attorney General. This office also investigates consumer fraud. You can find the attorney general for your state by contacting the National Association of Attorneys General. Most attorney general’s offices accept mortgage fraud reports through an online filing form.
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