AI Agents that run servicing and collection workflows end-to-end, compliantly, at scale.

Fiber partners with technology-first lenders to automate servicing, collections, audit, insurance claims, disputes, and chargeoffs. Not chatbots… AI agents that gather data, check rules, update systems, and produce documentation, with FDCPA, TCPA, and CFPB compliance built in.

36%

lift in right-party contact rates

82%

of servicing calls resolved end to end. No humans.

19%

lift in liquidation rates across placed portfolios

3 weeks

deploy at record speed. No core-system changes.

FIVE AGENTS, ONE PLATFORM — EACH BUILT FOR ONE JOB

Servicing & collections

Inbound and outbound across voice, SMS, email, chat. Maximizes repayments, negotiates plans and captures promises to pay.

Higher recovery rates

High containment rate

Automated audit

Enforces LMS-level controls against a live repository of state and federal law. Exam-ready audit trail on demand.

100% coverage (5% sampling)

Exam-ready audit trail

Automated claims

Owns the claim end-to-end: disputes undervalued settlements, coordinates titling, files GAP claims (inc. total-loss claims and hazard-claims)

ACV uplift per claim

Higher GAP attachment

Chargebacks & disputes

Full dispute lifecycle, from reason-code analysis to pre-arbitration. Integrates with card networks and core systems.

Higher win rate

Lower cost per dispute

Chargeoffs

Automates chargeoff decisioning process as well as downstream recovery. Every account gets a defensible record by default, not by exception.

Faster decisioning

Complete documentation

Lower manual cost

Compliance-first for US lending

Designed around how lenders are actually supervised from CFPB expectations to state-level rules.

Borrower-level memory

Every interaction builds on the last: promises to pay, hardship conversations, prior disputes.

No core-system changes

Large lenders deploy across their portfolio in less than 3 weeks (on average) without touching their core servicing systems.

Start with a 60-day pilot.

Co-designed with your risk, compliance, and operations teams. Guardrails, success metrics, and exam-safety defined before the first call is placed. Real-time analytics to track your success.

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