Consumer Mortgage Loans Notice

If you find an error or need assistance with your mortgage, please follow these procedures.

Notices of Error Resolution and Requests for Information Regarding Consumer Mortgage Loans

The following outlines the Error Resolution and Information Request Procedures for your consumer closed-end mortgage loan at The Bank of Missouri.

When you write to The Bank of Missouri to ask for information or to complain about certain errors, we have five days (excluding Saturdays, Sundays and federal holidays i.e., business days) to acknowledge your letter. Then generally, we have 30 to 45 business days to fix the error or send you the information you requested. For certain errors related to foreclosure, we will respond prior to the date of any foreclosure sale. If we believe there is no error, we will explain in writing why. And if we cannot find the information you want, we will explain why the information isn't available.

These types of errors pertain to the servicing (post-closing) of your loan and may include but are not limited to:

  • Errors regarding acceptance and timely crediting of your loan payment
  • Failure to pay charges for your escrow account
  • Improper or unreasonable fees charged to your loan
  • Failure to provide an accurate payoff statement
  • Errors relating to the transfer of your account to a new servicer
  • Errors relating to foreclosure proceedings

If you think an error has occurred on your mortgage account or if you need specific information about the servicing of your loan, please write us at:

The Bank of Missouri
 Attn: Loan Servicing Department
 P O Box 309
 Perryville, MO 63775

A notice on a payment coupon or other payment form that we have supplied to you will not be processed as a notice of error. All written requests for information or notices of error should contain the following information:

  1. Your name
  2. Account number
  3. Property address
  4. Description of the error and explanation as to why you believe it is an error OR a request for specific information regarding the servicing of your loan
  5. Current contact information so we may follow up with you