Notices of Errors and Requests for Information
You have certain rights under Federal law to notify your mortgage servicer of an error regarding the servicing of your mortgage loan, or to request information related to the servicing of your mortgage loan.
A Notice of Error or a Request for Information is a request you make to Fremont Bank, as the servicer of your mortgage loan, to research an error or dispute regarding the servicing of your mortgage, or to request information or documentation regarding your mortgage.
If you wish to provide a Notice of Error or a Request for Information, you must send your written request asking us to resolve an error or to send information about your account to the following address: Fremont Bank, Attention: Loan Servicing Department - Inquiry Dispute, 25151 Clawiter Rd., Hayward, CA 94545.
When you write to us to ask for information or to notify us of certain errors, we generally have 30 to 45 days (excluding Saturdays, Sundays and federal holidays) to fix the error or send you the information you requested or investigate and explain why no error occurred or the information is not available.
On a separate sheet of paper, other than on a payment coupon or billing statement, include the following information:
- Account information: Your name and account number
- Dollar Amount: The dollar amount of the suspected error
- Description of Problem: If you think an error has occurred, specify what you believe is wrong and why you believe it is in error, or provide sufficient detail regarding the information you are requesting relating to the servicing of your mortgage loan.
The term “error” refers to the following on your mortgage loan account:
- Failure to accept a proper payment that conforms to the payment requirements for the mortgage loan account
- Failure to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage and applicable law
- Failure to credit a proper payment as of the date of receipt
- Failure to pay taxes, insurance premiums, or other charges, that the we collect and pay on your behalf, or failure to refund an escrow account balance as required
- Imposition of a fee or charge that is in error or that is not bona fide, such as:
- A late fee for a payment that was not late;
- A charge imposed for a service that was not actually rendered;
- A default property management fee for borrowers that are not in a delinquency status that would justify the charge; or
- A charge for force-placed insurance in a circumstance not permitted by law.
- Failure to provide an accurate payoff balance amount within seven business days of your written request
- Failure to provide accurate information regarding your loss mitigation and foreclosure options
- Failure to transfer accurately and timely information relating to the servicing of your mortgage loan account to a transferee servicer
- Making the first notice or filing for any judicial or non- judicial foreclosure process in violation of law
- Moving for foreclosure judgment or order of sale, or conducting a foreclosure sale in violation of law
- Any other error relating to the servicing of your mortgage loan account
Do not subtract any disputed amount from your payment. Until the complaint is resolved, you should continue to make the required payment.