Evidence before accusation

What should you do when mortgage servicing records appear wrong?

Turn the concern into a specific, dated, document-supported discrepancy. “The balance is wrong” is difficult to evaluate; “the June payment cleared my bank but does not appear in the servicer history” is testable.

Written and reviewed by Lucy Boyd · Founder and Director · Updated September 12, 2026

Preserve the source record

• Monthly mortgage statements and year-end statements
• Bank records, canceled checks, wire confirmations, and money-order receipts
• The servicer’s complete transaction history and escrow history
• Letters, portal messages, call logs, loss-mitigation packages, and delivery confirmations
• Payoff and reinstatement quotes, fee breakdowns, and foreclosure notices

Build the comparison

Match each payment or charge by date, amount, source, application, and resulting balance. Track transfers between servicers and flag unexplained suspense entries, reversals, duplicated fees, inconsistent delinquency dates, or figures that cannot be reconciled.

Keep the conclusion narrow

A discrepancy is a reason to investigate. It is not, by itself, proof of fraud or a complete legal defense. The best evidence package gives counsel a reliable chronology and direct links to the documents supporting each issue.