I have a question or complaint about my mortgage company...

The Georgia Department of Banking and Finance is responsible for supervising those who are licensed (or who should be licensed) to do business in the residential mortgage industry in Georgia. Residential mortgage lenders, brokers and mortgage loan originators must apply to the Department and meet certain licensing standards before they may legally offer their services to the public.

Certain types of companies are exempt from the licensing provisions of Georgia law. These exemptions extend to organizations such as banks and credit unions, and to properly licensed finance companies who restrict their lending activities to those covered by the Georgia Industrial Loan Act (GILA).

If you are uncertain as to whether or not your mortgage company is licensed or registered with our Department, Search our database for licensed or registered mortgage brokers, lenders and processors.

If you have a complaint about a Georgia licensed or registered residential mortgage broker, lender or processor, the Department suggests that you send a written complaint directly to the company by certified mail.  You can find the licensee ’s complaint contact information from our Mortgage search page.

The Department's expectation is that all Georgia mortgage licensees/registrants under its supervision will make good faith attempts to resolve all issues or complaints directly with consumers within a reasonable period of time. 

While complaint processing times may vary, on average you should receive a written response from the licensee within 30 days of receipt of your complaint. If after the 30 days you have received no response from the company, please contact the Department at (770) 986-1633. Be prepared to provide documentation that the licensee received your complaint (e.g., certified mail receipt).

If your issue is related to a home mortgage or a credit card and you are unable to resolve the issue directly with the company/institution, you should file a complaint with the Consumer Financial Protection Bureau (CFPB).  

Consumer Financial Protection Bureau (CFPB)
The CFPB is a federal agency established by Congress to protect consumers by carrying out Federal consumer financial laws. Among other things, the CFPB:

  • Takes consumer complaints
  • Restricts unfair, deceptive, or abusive acts or practices
  • Promotes financial education
  • Researches consumer behavior
  • Monitors financial markets for new risks to consumers
  • Enforces laws that outlaw discrimination and other unfair treatment in consumer finance

Contact the CFPB: (855) 411-CFPB (2372) or Español (855) 411-CFPB (2372), Fax (855) 237-2392
8 a.m.–8 p.m. Eastern, Monday–Friday

Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244

Submit a Complaint Online to the Consumer Financial Protection Bureau
Ask CFPB - Get Answers to Your Financial Questions


Visit KnowYourOptions.com provided by Fannie Mae. This website provides a tremendous amount of information and resources for consumers that are facing financial difficulties—whether they are short or long term. The site has a self-guided "Options Finder" for people that are struggling with their mortgage or facing foreclosure.

US Department of Housing and Urban Development Resources:

Lender threatening to foreclose or mortgage in default: HUD funds housing counseling agencies throughout the country. To find a housing counseling agency near you, call toll-free (800) 569-4287 immediately for free guidance or visit the web page.

Settlement Procedures: (FHA and non-FHA mortgages). Visit the RESPA web page for information on RESPA disclosure requirements such as the Good Faith Estimate, HUD-1 and escrow account statements, and how to file a complaint with your lender concerning the servicing of your loan.

Information regarding filing a complaint with the Department of Housing and Urban Development (HUD) for violations of federal law.

Other Resources:

The Georgia Commission on Equal Opportunity, Fair Housing Division, enforces the Georgia Fair Housing Law, which makes discrimination in mortgage lending unlawful, based on race, color, national origin, religion, disability, or familial status.

Fair Housing Division
Georgia Commission on Equal Opportunity
Suite 710 - International Tower
229 Peachtree Street, NE
Atlanta, Georgia 30303-1605
404-656-1736 (in Atlanta)
800-493-OPEN (within Georgia)
GCEO Home Page

Checking the Reputation of a Business (Governor's Office of Consumer Protection)

Click here for a list of companies and individuals that are subject to a final Cease and Desist Order or a Consent Order.