Mortgage servicing

Your servicer is allowed to name one address, and only that one counts

This is the cleanest example in American consumer law of an address that is fixed by rule. Regulation X lets a mortgage servicer designate a single address for notices of error and requests for information. Where a servicer has done that, a letter to any other address of theirs is not a notice of error at all: no acknowledgement is owed, no answer is owed, and the protections that follow never start. People lose months this way writing to the payment address.

The rule, in one paragraph

12 CFR § 1024.35 sets out the error resolution procedure for mortgage servicing, and it allows a servicer, by written notice to the borrower, to establish an address that a borrower must use to submit a notice of error. The parallel provision for requests for information is § 1024.36, and where a servicer designates an address it is the same one for both.

So the first question is not what to write. It is whether your servicer has designated an address, and what it is.

Where that address is printed

1. Your monthly mortgage statement. Look for a heading that names notices of error, qualified written requests, or written requests for information. It is rarely the payment address and rarely the general correspondence address.
2. The servicer’s website, usually on a contact or help page, under the same headings.
3. The transfer notice you received when the loan moved to this servicer.
4. The annual escrow statement or the welcome pack from the servicer.

If you genuinely cannot find a designated address anywhere in your documents, the notice goes to the servicer’s ordinary address for correspondence. Keep evidence that you looked, and where.

Piloxa does not publish a table of servicer addresses, because they move with every transfer and portfolio sale and a stale one on this page costs somebody a deadline. The address on your own statement is the authoritative copy.

What the servicer owes you once it lands

Regulation X puts short, counted deadlines on the servicer: an acknowledgement within five business days of receiving the notice, and an answer within thirty business days for most asserted errors, with a shorter clock where the request is for a payoff figure. The exact counting rules are in § 1024.35(d) and (e).

Every one of those counts runs from receipt. That is why the letter goes certified: the date on your side is otherwise the date you say you posted it.

What counts as an error worth this letter

• A payment that was made and not credited, or credited late.
• Fees charged that the loan documents do not allow.
• An escrow account that was analysed wrongly, or a shortage that is not real.
• Force-placed insurance added when your own policy was in force.
• A payoff figure that is wrong or late.
• Starting or continuing foreclosure while a complete loss mitigation application is pending.

Name the error, the account number, the property address, and the dates. Enclose copies of the proof. Keep it to the error: a letter that also complains about the hold music gets answered as a complaint rather than as a notice of error.

Why certified, on this letter above all

Two reasons. The deadlines run from receipt, so receipt has to be provable. And a notice of error is often the last step before something serious — a complaint to the Consumer Financial Protection Bureau, a claim, or a foreclosure defence — where the file has to show what was sent, to the designated address, on a date a third party recorded. Certified Mail with the electronic return receipt produces both.

What you end up holding

• The exact letter that was approved, kept unchanged, with the fingerprint that shows it is the same file.
• The recipient address as it was printed, after the postal check.
• The mailing record: the service that was bought, when the letter was handed over to be printed and mailed, and the reference the printer gave it.
• The sentence you authorized, and the time you authorized it.

You are buying USPS Certified Mail, so the Postal Service keeps its own delivery record. Piloxa asks the printing partner for that history on its own, without anyone pressing anything, and adds each scan to your record as it is reported, naming where it came from. If you chose the return receipt, the signature of whoever accepted the letter is recorded the same way once USPS releases it. Where nothing has come back, the record says “no record yet” rather than guessing. The sample record shows every state, including the incomplete ones.

Certified Mail proves that something was delivered. It does not prove what was inside. Keeping the approved letter beside the mailing record is what closes that gap, and it is the whole reason this exists. See a filled-in record.

Common questions

Where do I mail a notice of error to my mortgage servicer?

To the address your servicer has designated for notices of error, if it has designated one. 12 CFR 1024.35 lets a servicer establish a single address that a borrower must use, and a notice sent to any other address of theirs does not count. The designated address is printed on your monthly statement and on the servicer’s contact page.

Can I just send it to the payment address?

No. The payment address is a lockbox for cheques. Where a servicer has designated an address for notices of error, that is the only one that starts the clock.

What if my servicer has not designated an address?

Then the notice goes to the address the servicer uses for correspondence about the loan. Keep a note of where you looked, because the servicer will be asked whether it had designated one.

Is a notice of error the same as a qualified written request?

They overlap. “Qualified written request” is the older term from the Real Estate Settlement Procedures Act; the current rules split it into notices of error under 12 CFR 1024.35 and requests for information under 12 CFR 1024.36. Servicers usually give the same address for both.

How long does the servicer have to answer?

Regulation X requires acknowledgement within five business days of receipt and an answer within thirty business days for most asserted errors, with a shorter period for a payoff figure. The exact counting is in 12 CFR 1024.35(d) and (e), and every count starts from receipt.

What does it cost to send?

$13.18 all in for a one-page letter by USPS Certified Mail, or $16.17 all in with the electronic return receipt, which records who signed for it. Printing, envelope and postage are included, with no subscription and no minimum.

Primary sources

• 12 CFR § 1024.35 — Error resolution procedures (Regulation X)
• 12 CFR § 1024.36 — Requests for information
• CFPB — Regulation X § 1024.35, with the official interpretations
• USPS Postal Explorer: what Certified Mail documents

Legal and postal references last reviewed September 22, 2026. Servicer addresses change with every transfer; take the address from your own current statement.

Other letters people send certified

• Credit report disputes
• Debt validation letters
• Finding a company’s legal address
• California HOA pre-lien notices
• Denied insurance claims
• Send a certified letter