If you have fallen victim to mortgage fraud, as a consumer you have several different avenues you can take to file a mortgage fraud report. Each agency that 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 Investigations (FBI), the Federal Trade Commission (FTC), the agency that oversees the lender type (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 primary website for the FBI. Once you identify the office, contact the phone number listed to determine exactly how that particular office handles mortgage fraud report complaints.
The Federal Trade Commission also investigates mortgage fraud. The FTC allows consumers to file complaints online. Have all of your mortgage fraud report information in front of you while completing 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, then 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 charters to financial institutions. If the mortgage fraud is with a federal savings and loan institution then you have to file the complaint with Office of Thrift Supervision (OTS), which oversees these types of organizations.
Mortgage fraud by a credit union should be reported to the National Credit Union Association (NCUA). Contact these organizations directly. Most have the ability to accept your mortgage fraud report by phone or provide an online form that you can complete and submit. You should attach any supporting documents to prove your case. Some institutions may ask that you fax these documents separately, but provide you with a case number or investigation number so they can match up your documents with your file.
Each state also has a Attorney general Office. This office also investigates consumer fraud. You can find the attorney general for your state by contacting The National Association of Attorney Generals. Most attorney general offices accept mortgage fraud reports through an online submission form.
