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Housing-Related Complaints

Find out what to do if you have one of these complaints when buying or renting a home.

. This law prohibits lenders from denying credit because of certain characteristics. if a lender has denied a mortgage application because of your:

  • Age

  • Sex (including gender)

  • Đang chơi bàiMarital status

  • Children

  • Race

  • Đang chơi bàiNationality or ethnicity

  • Religion

  • Đang chơi bàiIncome from public assistance programs

The Department of Housing and Urban Development (HUD) enforces the . This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. and the fair housing office in your state if a mortgage company discriminated against you because of your:

  • Race

  • Color

  • National origin

  • Religion

  • Sex

  • Disability

  • Presence of children

File a Complaint About Mortgage Company Services

Đang chơi bài, such as the and the . These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:

  • Applying for a mortgage

  • Đang chơi bàiReceiving loan estimates and closing documents

  • Transferring a mortgage to another servicer

  • Applying your payments correctly

  • Đang chơi bàiRefinancing or modifying a mortgage loan

  • Đang chơi bàiMisreporting mortgage account status to you or to credit reporting agencies

  • Đang chơi bàiRequiring private mortgage insurance

  • Đang chơi bàiPaying additional fees

Report Deceptive Mortgage Practices and Scams

Đang chơi bài is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful. if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include: 

  • Đang chơi bàiFalse statements about their ability to offer a loan

  • Fees for mortgage services that aren’t provided

  • Đang chơi bài to collect on mortgage balances

Also, file a complaint with your state consumer protection office about a mortgage fraud or scam. with the HOPE NOW Alliance. Call 1-888-995-HOPE (1-888-995-4673) or (TTY 1-877-304-9709).

Đang chơi bài happens when a housing provider acts in a way that blocks someone from renting or buying housing because of their

  • Race or color
  • Religion
  • Sex
  • National origin
  • Familial status (such as having children)
  • Disability

A housing provider that discriminates against someone could be a landlord or a real estate management company. It could also be a lending institution like a bank or other organization that is an important part of acquiring a home.

Housing discrimination is prohibited by the Fair Housing Act. Discrimination covered by the Act can take many different forms beyond just raising prices or lying about availability. For example, the Act addresses wheelchair access in some newer properties. .

File a Housing Discrimination Complaint

If you think you are a victim of housing discrimination,

  • Complete and submit a  or 
  • Contact your regional 

Discrimination Against LGBT People

The Fair Housing Act does not specifically prohibit discrimination based on sexual orientation or gender identity. But discrimination against someone who is lesbian, gay, bisexual, or transgender (LGBT) or other state or local regulations. If you think you've been discriminated against for these reasons, file a complaint as described above, or email HUD at with general questions about LGBT housing issues. 

. Results differ for each state, but you may find:

  • State agencies that address tenant rights.
  • Agencies that handle complaints.
  • Resources for legal assistance.

You may eventually decide that you need help from a lawyer. People with very low-income might qualify for .

Complaints about housing discrimination or landlords who receive assistance from the federal government should be directed to the .

Before There's a Problem

Of course, it's best to avoid a dispute in the first place if possible.

  • Understand your lease completely.
  • Keep all correspondence between you and your landlord.
  • Communicate problems early on and in writing, noting date and time of phone calls. 
  • Keep proof of rent and deposits paid.
  • Know the .
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Last Updated: November 30, 2020