Servicer · Navy Federal
Navy Federal sent you a shortage notice? Audit it.
Most escrow shortage statements from any servicer — including Navy Federal Credit Union — break RESPA. Math drift, cushion ceiling overshoot, mis-handled surpluses. We audit yours in 90 seconds and draft the Qualified Written Request letter your servicer must answer within 30 business days.
CFPB signals
Navy Federal complaint volume.
Total mortgage complaints
184
Past six months · CFPB Consumer Complaint Database
Escrow-related
36
Reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes
What an audit catches
Every dollar Navy Federal owes you, named.
The same RESPA rules apply to every servicer. We check cushion ceiling, surplus handling, shortage spread, math reconciliation, and state interest law.
Cushion ceiling
Servicer cushion cannot exceed one-sixth of annual disbursements (12 C.F.R. § 1024.17(c)(1)(ii)).
Shortage spread
Shortages must be spread over at least 12 months (§ 1024.17(f)(3)).
QWR statutory window
Servicer must respond substantively within 30 business days (12 U.S.C. § 2605(e)).
- Full RESPA audit + math reconciliation
- QWR letter PDF (Plus tier: we mail it Certified)
- CFPB + state-AG complaint drafts