Send DocFetch a name and email. It contacts the borrower, follows up automatically, and flags anything incomplete — before it holds up your file.
Borrowers forget. You end up calling after hours to ask, again, for pay stubs you already requested twice.
One bank statement out of two months, no cover page, wrong borrower name — now you're the one chasing the gap.
Stitching together IDs, pay stubs, and disclosures by hand before the file can move to processing.