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Texas Department of Savings and Mortgage Lending

Consumer Complaint Form

Information About the Complaint Process

The Texas Department of Savings and Mortgage Lending (the Department) accepts signed, written complaints against Residential Mortgage Loan Originators, Mortgage Companies, Financial Services Companies, Auxiliary Mortgage Loan Activity Companies, and Independent Contractor Loan Processors and Underwriters licensed under Texas Finance Code Chapter 156; Residential Mortgage Loan Originators and Mortgage Bankers under Texas Finance Code Chapter 157; Residential Mortgage Loan Servicers under Texas Finance Code Chapter 158 and state savings banks. The Department does not accept complaints over the telephone or unsigned complaints by electronic mail because the Texas Finance Code requires the Department to receive a person’s signed, written complaint that establishes reasonable cause for an investigation before the Department is authorized to investigate the complaint.

The Department does not regulate federal or state banks, real estate brokers or agents, title insurance companies, appraisers, or buyers or sellers who are not licensed by the Department, nor does the Department resolve commission or employment disputes between its licensees. The Department may only take disciplinary action against a person who is licensed or registered under its programs and who has violated a law that is within the scope of the Department’s enforcement authority.

Texas law prohibits the Department from giving private legal advice or opinions or from acting as your personal attorney or legal representative. If you seek to recover monetary damages, you should consult a private attorney to inform you of your rights and remedies through the courts.

Below is a complaint form. If you wish to file a complaint with the Department, please complete the entire form in English and attest to the complaint. If you do not want your identity revealed, or do not attest to your complaint, we will be unable to process your complaint. Be sure to send copies of all relevant documents after submitting the complaint form to the Department. DO NOT SEND ORIGINAL DOCUMENTS.

Please include your name, address, email, and whom you are complaining against with any documentation that is submitted, (via mail, email, or fax), as a part of this complaint.

Texas Department of Savings and Mortgage Lending
2601 N. Lamar, Suite 201
Austin, TX 78705
Email: COMPLAINTSUBMISSION@SML.TEXAS.GOV
Fax: 512-936-2003
You will be notified by mail that your complaint has been received. We will determine whether your complaint states facts which could establish a violation of one or more of the laws that the Department administers and enforces. If so, the Department will open an investigation of your complaint; if not, the Department will contact you to let you know that we will not take further action based on your complaint.

If an investigation is opened, the person against whom the complaint is filed will receive a copy of the complaint. After the investigation is concluded, the information obtained will be reviewed to determine whether there is sufficient evidence to take disciplinary action, which could include a formal reprimand, the suspension or revocation of a license or registration, payment of an administrative penalty, or other appropriate action. Please be advised that, if you file a complaint, you may be required to testify as a witness in a hearing that would be conducted in Austin, Texas, against the licensee(s) or registrant(s) in question.


Complaint Regarding

Please Select One:
Mortgage Origination
Mortgage Servicing
State Savings Banks

Your Contact Information

Please use the Second Complainant section below if any additional complainants or spouses wish to be included in this complaint.

First: *Required
Last: *Required
Street Address: *Required
City: *Required
State: *Required
Zip: *Required
Home#: *Required
Cell#:
Work#:
Fax#:
Email: *Required

Second Complainant

First:
Last:

Person, Company, or State Savings Bank Against Whom You Are Complaining

First: *Required
Last: *Required
Company Name:
Street:
City:
State:
Zip:
Home#:
Cell#:
Work#:
Fax#:
Email:
NMLS ID/Registration Number(If Known):
Date of transaction/initial contact:
Have you filed a complaint against this person, company, or state savings bank with another agency?
Yes:
No:
If yes, which agency?
What action has been taken by the other agency?

Attorney Information

Do you have an attorney representing you in this matter?
Yes:
No:
First:
Last:
Street Address:
City:
State:
Zip:
Home#:
Cell#:
Work#:
Fax#:
Email:

Complaint Information

WITNESS(ES): Please list any names, addresses, and telephone numbers of any witnesses of any witnesses who have or may have information concerning the matter of your complaint.
COMPLAINT DETAIL: List the facts of your complaint in the order of their occurrence, starting with the earliest date and working forward.
Have you previously notified the person, company, or state savings bank listed in this complaint?
Yes:
No:
How did you notify them?
Written:
Oral:
What was the response?
Please describe how you would like to see the matter resolved:
Would you be willing to testify at a hearing?
Yes:
No:

Attach Documents

Please attach any documents you would like to include here. Files must be less than 3MB in size and one of the following extension types:

doc docx
xls xlsx
pdf jpg
png bmp

Attestation

The information contained herein and all documents to be submitted are true and correct to the best of my knowledge. I understand that I may be required to testify at a hearing and that a copy of my complaint will be made available to the person or company against whom it is filed. I also understand that neither the Texas Department of Savings and Mortgage Lending nor any of its officers or employees can act or will act as my legal representative or attorney.
I have read and agree with the above statement.
Name: Date:
(Second Complainant) I have read and agree with the above statement.
Name: Date:
Attention:
For security reasons, you must answer this question to proceed: 2 + 2 =

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