CrossCountry Mortgage phone numbers

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED

CrossCountry Mortgage
[SERVICER QWR ADDRESS]
[CITY, STATE ZIP]

Re: Qualified Written Request Under RESPA
Loan Number: [LOAN NUMBER]
Property Address: [PROPERTY ADDRESS]

Dear Sir or Madam:

This is a Qualified Written Request under Section 6 of the Real Estate Settlement Procedures Act (12 U.S.C. § 2605(e)).

I am writing to request the following information regarding the above-referenced mortgage account:

1. [DESCRIBE SPECIFIC REQUEST — for example: "A complete payment history from [DATE] to the present, showing how each payment was applied to principal, interest, escrow, fees, and any suspense account."]

2. [DESCRIBE ADDITIONAL REQUEST — for example: "An explanation of all fees charged to this account since [DATE], including the basis for each charge."]

3. [DESCRIBE ADDITIONAL REQUEST — for example: "The current escrow account balance and a copy of the most recent escrow analysis."]

[IF DISPUTING AN ERROR, ADD:] I believe there is an error on my account. Specifically, [DESCRIBE THE ERROR — for example: "My payment of $[AMOUNT] made on [DATE] was not properly credited to my account" or "I was charged a late fee of $[AMOUNT] on [DATE] despite making my payment on time"].

Under RESPA and Regulation X, you must acknowledge receipt of this request within 5 business days and respond within the time the rule allows. For 60 days after you receive this letter, you may not report negative information to a credit bureau about any payment this letter disputes.

Please send your response to the address listed above.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED

CrossCountry Mortgage
[SERVICER QWR ADDRESS]
[CITY, STATE ZIP]

Re: Notice of Error Under 12 CFR § 1024.35
Loan Number: [LOAN NUMBER]
Property Address: [PROPERTY ADDRESS]

Dear Sir or Madam:

This is a Notice of Error under 12 CFR § 1024.35 of Regulation X (RESPA).

Description of Error:

I believe the following error has occurred on the above-referenced mortgage account:

[DESCRIBE THE ERROR IN DETAIL — for example:]

[Option A — Misapplied payment:] "On [DATE], I made a mortgage payment of $[AMOUNT] via [METHOD — check #/online payment/wire]. This payment was [not credited to my account / credited late / applied to fees instead of principal and interest]. I have enclosed [a copy of my bank statement / payment confirmation / canceled check] showing the payment was made on time."

[Option B — Improper fee:] "On [DATE], a [late fee / inspection fee / property preservation fee / attorney fee] of $[AMOUNT] was charged to my account. This fee is incorrect because [I made my payment on time / this fee was not authorized / I was not given proper notice of this charge]."

[Option C — Escrow error:] "My servicer failed to [pay my property taxes / pay my homeowner's insurance / provide an accurate escrow analysis]. As a result, [my taxes are delinquent / my insurance lapsed / my escrow payment increased by $[AMOUNT] without proper basis]."

[Option D — Dual tracking:] "I submitted a complete loss mitigation application on [DATE][, more than 37 days before the scheduled sale]. Despite this pending application, my servicer [made the first foreclosure notice or filing on [DATE] / moved for foreclosure judgment or order of sale on [DATE] / is going ahead with a foreclosure sale set for [DATE]]. This violates the dual tracking rules in 12 CFR § 1024.41(f)(2) and (g)."

This error falls under 12 CFR § 1024.35(b)([NUMBER]) — [CATEGORY NAME FROM LIST ABOVE].

Requested Correction:

I request that you [correct the payment application / remove the improper fee / pay the escrow shortage / halt foreclosure proceedings] and provide me with a corrected account history.

Under 12 CFR § 1024.35(d) and (e), you must acknowledge receipt of this Notice within 5 business days and, within the time the rule allows, either correct the error or tell me in writing why you believe no error occurred. During this investigation, you may not charge me for responding to this notice, and for 60 days after you receive this notice you may not report negative information to a credit bureau about any payment this notice disputes.

Please send your response to the address listed above.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

Enclosures:
- [List any documents you are including — bank statements, payment confirmations, prior correspondence, etc.]

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED

CrossCountry Mortgage
[SERVICER QWR ADDRESS]
[CITY, STATE ZIP]

Re: Request for Information Under 12 CFR § 1024.36
Loan Number: [LOAN NUMBER]
Property Address: [PROPERTY ADDRESS]

Dear Sir or Madam:

This is a Request for Information under 12 CFR § 1024.36 of Regulation X (RESPA).

I am requesting the following information regarding the above-referenced mortgage account:

1. Payment History: A complete payment history from [START DATE] to the present, showing for each payment received: the date received, the amount, and how the payment was applied (principal, interest, escrow, fees, suspense, or other).

2. Current Account Status: The current principal balance, interest rate, next payment due date, and any past-due amounts including a breakdown of principal, interest, escrow, fees, and any other charges.

3. Escrow Analysis: The current escrow account balance, an itemized list of all escrow disbursements in the past 12 months (property taxes, homeowner's insurance, PMI, other), and the most recent annual escrow analysis statement.

4. Loss Mitigation Status: [IF APPLICABLE] The current status of my loss mitigation application submitted on [DATE], including what documents have been received, what documents are still needed, and the expected timeline for a decision.

5. Loan Ownership: The name, address, and telephone number of the current owner or assignee of the mortgage loan.

[ADD OR REMOVE ITEMS AS NEEDED FOR YOUR SITUATION]

Under 12 CFR § 1024.36(c) and (d), you must acknowledge receipt of this request within 5 business days and, within the time the rule allows, either provide the requested information or tell me in writing that you searched and it is not available to you. You may not charge me a fee for responding to this request.

Please send your response to the address listed above.

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

[YOUR NAME]
[YOUR ADDRESS]
[CITY, STATE ZIP]

[DATE]

VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
AND VIA FAX TO: [SERVICER FAX NUMBER]

CrossCountry Mortgage
[SERVICER LOSS MITIGATION DEPARTMENT ADDRESS]
[CITY, STATE ZIP]

Re: Demand to Halt Foreclosure — Dual Tracking Violation
12 CFR § 1024.41(g)
Loan Number: [LOAN NUMBER]
Property Address: [PROPERTY ADDRESS]

Dear Sir or Madam:

I am writing to demand that you immediately halt all foreclosure proceedings on the above-referenced property. Your continued pursuit of foreclosure while my loss mitigation application is pending violates the dual tracking prohibition under 12 CFR § 1024.41(g).

Timeline of Events:

- [DATE]: I submitted a complete loss mitigation application to CrossCountry Mortgage via [METHOD — certified mail / fax / online portal / in person].
- [DATE]: [IF APPLICABLE] I received acknowledgment of my application from CrossCountry Mortgage.
- [DATE]: [IF APPLICABLE] I submitted additional documents requested by CrossCountry Mortgage, completing my application.
- [DATE]: Despite my pending application, CrossCountry Mortgage [filed a foreclosure notice / scheduled a foreclosure sale for [SALE DATE] / moved for foreclosure judgment / took the following foreclosure action: DESCRIBE].

Legal Violations:

1. Under 12 CFR § 1024.41(g), a servicer may not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, if a borrower submits a complete loss mitigation application more than 37 days before any reasonably anticipated sale date. My application was submitted on [DATE], which is more than 37 days before the [scheduled sale date / anticipated sale date].

2. [IF APPLICABLE] Under 12 CFR § 1024.41(c), you were required to evaluate my complete application within 30 days of receipt. As of this letter, [NUMBER] days have passed and I have not received a determination. [OR: I received a denial that did not comply with § 1024.41 because it failed to (state the specific reasons for the loan modification denial / evaluate me for all options available to me / explain how to appeal when I had that right).]

Demands:

1. Immediately halt all foreclosure proceedings, including canceling any scheduled sale dates.
2. Evaluate my complete loss mitigation application for all available options within 30 days as required by 12 CFR § 1024.41(c).
3. Provide a written determination that complies with 12 CFR § 1024.41(c) and (d), including specific reasons for any loan modification denial and, where the rule gives me that right, information about how to appeal.

Notice: If you fail to comply with these demands, I intend to file a complaint with the Consumer Financial Protection Bureau and consult with a consumer rights attorney regarding RESPA violations, including actual damages, statutory damages, and attorney's fees under 12 U.S.C. § 2605(f).

Sincerely,

[YOUR SIGNATURE]
[YOUR PRINTED NAME]

Enclosures:
- Copy of loss mitigation application (or acknowledgment letter)
- Proof of submission date (certified mail receipt, fax confirmation, portal screenshot)
- Copy of foreclosure notice or sale date notice
- [Any other relevant correspondence]