Agentic dispute resolution · US banks & credit unions
Every servicing dispute answered on time — your team holds the pen.
Agents investigate and draft on your loan data. Your team makes the call. The 30-day scramble becomes a same-week sign-off.
Tax increase raised the payment; the annual statement went out late. Waive the $240 late fee, re-issue the analysis.
Why this is urgent
The RESPA clock starts the moment a borrower writes in.
Acknowledge in 5 days, resolve in 30 — miss it and it's cures, fines, and a CFPB finding. Most servicers still work it by hand.
The clock you can't stop.
The RESPA window runs whether or not you're staffed for it.
The exam you can't fail.
Every decision has to stay defensible to the CFPB, months later.
The queue you can't see.
Disputes pile up in inboxes — or inside a subservicer you can't watch.
What changes
What you get back.
The same figures that measure your exposure, read the other way — the value of closing disputes fast and preventing the next one.
The extra cost of servicing a loan once it turns non-performing — $1,573 vs $176. Fast resolution and upstream prevention keep loans performing.
Every dispute acknowledged in 5 and resolved in 30 — SLA breaches, cures and CFPB findings off the table.
Disputes caught upstream never land — the inflow falls instead of climbing past 26,100 complaints a year.
Built for the compliance signature
The model never decides. Your rulebook does.
The AI reads and drafts. The decision is a deterministic call on your rules — recomputed server-side, human-approved, fully logged.
- 01Rules decideYour rulebook scores the case — not the LLM.
- 02The model draftsExplains, cites the loan file, writes the response.
- 03Server recomputesFeed it a wrong answer — nothing changes.
- 04A person approvesEvery action waits in the Decision Inbox for sign-off.
- 05Everything is loggedProvenance on every figure. Audit-ready.
The LLM never touches the decision. Rules decide, the server recomputes, a human approves — all auditable. That property is the product.
Two halves of the same problem
Shrink the inflow. Speed the outflow.
Point tools clean up disputes after they land. One agentic layer over your data works both ends — prevent and resolve.
Catch the error before the borrower writes in.
Flag the mistakes that become disputes — while they're still cheap to fix.
- TRID tolerance breaches, before the cure window closes
- Wrong or duplicate fees on the statement
- Escrow miscalcs after a tax or insurance change
- Missing or stale docs in the loan file
The cheapest dispute is the one that never happens.
Work every dispute that lands, inside the window.
One clean path from raw complaint to compliant resolution — carried end to end, not scored and dropped.
- Intake, classify against the rule, pull the loan file
- Decide on your rulebook, draft the response
- Compliance pre-check, then human sign-off
- Response filed — every step logged
Every dispute closed inside the window — a person on every verdict.
Most vendors sell you the right column. Owning both is how the queue actually shrinks.
Watch one run
One dispute, start to filed.
A real escrow-shortage case, end to end — every figure sourced, the verdict recomputed, a person on the sign-off.
- Classified — escrow shortagerule-matched
- Pulled loan file & escrow analysissourced
- Root cause — tax increase + late statementprovenance
- Drafted borrower response + fee waiverdraft
- Awaiting human sign-off · Decision Inboxday 3/30
Waive the $240 late fee, re-send the corrected escrow analysis, explain the change in plain language.
Onboarding
It rides on the stack you already run.
No rip-and-replace, no AI team, no data leaving your perimeter. It reads your systems and files into your tools.
Reads your systems of record
Core, servicing platform, LOS — read as a layer, never replaced.
Files into your workflow
Cases and audit records sync into the trackers you already use.
Your data stays yours
Sovereign / on-prem. Runs on your data — nothing leaves the perimeter.
Works with your subservicer
Outsourced servicing? Visibility and control back — without pulling it in-house.
No headcount, no build
Buy it, don't build it. No AI engineers, no spare compliance capacity.
Live in a week, on synthetic data
Synthetic data that mirrors your book — prove it before a single integration.
Straight answers
What servicing leaders ask us.
Is this you?
Built for the desk that carries the dispute.
- You own the RESPA SLA and the CFPB exposure — and feel the 30-day clock.
- Your compliance officer won't sign anything that decides without a human.
- No headcount to add, no AI team to build it in-house.
- Disputes are worked by hand — or sit in a subservicer you can't see into.
- Institution
- US bank or credit union
- Size
- $1–10B in assets
- Owner
- Head of Mortgage & Default Servicing
- Co-signer
- Chief Compliance / Risk Officer
- Autonomy
- Recommend — human approves
Get started
See it on your own dispute types.
30 minutes on synthetic data that mirrors your book — no integration to start. Bring your hardest dispute.