United Shore Financial Services, LLC

In a response to a prior complaint United Wholesale Mortgage admitted to a series of their own errors that they described as " unacceptable. '' They said that they would reverse negative credit reporting because those reports were the result of their errors. Since then, they have sent new negative credit reports to credit agencies. My account is current and the company continues to send negative credit reports. I want this fixed immediately. And I want a full and real explanation about how/why to company continues to make mistakes that harm me and my wife financially.

In XXXX of XXXX I requested a hardship forbearance because of a job change. The lag time between last paycheck from old job and first paycheck from new job was significant, enough time that without the forbearance I would not have been able to accept the new job. I was granted the forbearance. Between XX/XX/XXXX and XX/XX/XXXX I missed 3 payments. In XX/XX/XXXX, I contacted United Wholesale Mortgage to let them know that we could start making payments again. At that time we entered loss mitigation. In XX/XX/XXXX we were offered a deferral agreement. We accepted the agreement prior to the deadline. The agreement was never implemented by the company. In a response to my official complaint UWM wrote : " Our records show you verbally accepted the deferral offered in XX/XX/XXXX on XX/XX/XXXX. However, due to an internal error, the deferment had not been implemented. '' I started making payments in XXXX and have been making payments since then to hold up my end of the agreement.…

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I am writing to formally raise concerns regarding my mortgage experience with United Wholesale Mortgage ( UWM ), which has resulted in significant financial hardship and XXXX for my family. I originally closed on what was represented as a VA one-time close construction loan on XX/XX/XXXX. However, the loan provided by UWM was, in fact, a two-time close VA construction loan, contrary to what was advertised and agreed upon. Subsequently, UWM transferred my loan internally to another department and opened a Home Equity Line of Credit ( HELOC ) without my knowledge or consent. Additionally, UWM failed to timely apply the interest rate protections afforded under the Servicemembers Civil Relief Act. After I returned to XXXX orders with the XXXX XXXX XXXX XXXX XX/XX/XXXX, my interest rate should have been reduced to 6 %. Instead, UWM continued attempting to charge a 7.5 % interest rate and significantly delayed correcting this error.…

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Pack in XX/XX/XXXX at XXXX I sent them {$3000.00} and you know I caught up to my payments which I could I've send a lot of money to them every month whatever I could send and always more than what my mortgage payment was at some times you know it was just I was I was what was this on a hardship program with him and I paid I paid them you know what I mean and I don't understand why they're doing this to me I got proof I mean I have to go through my phone I have to go to my bank statements which is on my phone and take pictures and send them to you I do not want to sell my house I want to keep my house I want lower payments and they keep going higher and I thought it was a fixed rate and I don't understand this I do not want to sell my house I don't want to lose my house I don't want to put my house in foreclosure nothing like that I don't know what they're talking about I'm not in default I don't want to lose my house I want to keep my house I live in my house this is my home I want to…

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I refinanced my mortgage ( United Wholesale Mortgage ) going into the new year of 2026. I was told I would be skipping my XXXX and XXXX payments and resuming payments in XXXX. I was on a autopay at the time for my old mortgage and I was not able to stop the autopay, I called my mortgage at that time to see if they could help stop it and the rep told me it was too late to stop it and that the payment would be pulled. At that point I told her I would dispute it and the rep said ok and did not inform me that if I was skipping that payment and the payment was still made this would be considered a overpayment and I would get those funds back on the escrow check. So I proceeded to dispute and got the funds back. When I got the escrow check there was no indicator to me that those same funds were on that check as well as my other escrow funds.…

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I am filing this complaint regarding the handling of late fees on my mortgage account with United Wholesale Mortgage. During 2025, I experienced a temporary hardship due XXXX the passing of a close family member, which caused a disruption in my ability XXXX make timely payments. As a result, multiple late fees were assessed on my account within a short period. I contacted the servicer XXXX requested assistance. They acknowledged my situation XXXX waived XXXX late fee ( {$100.00} ). However, they refused XXXX waive the remaining late fees, stating that their policy only allows XXXX waiver per XXXX months.…

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I am submitting this complaint regarding the inaccurate credit reporting of my mortgage account with United Wholesale Mortgage ( Acct : XXXX ). UWM is currently reporting multiple late payments and delinquency statuses that I believe are inaccurate and not properly supported by a reasonable investigation. Specifically, UWM claims that a XX/XX/year> payment was reversed and reposted, resulting in a XXXX late payment. However, I have not been provided with full documentation showing how this payment was processed, why it was reversed, or whether it was properly credited once resubmitted. Additionally, my loan entered into a modification and trial payment plan. During this period, UWM continued to report delinquency statuses without clearly demonstrating how the reporting complies with applicable guidelines governing mortgage servicing and credit reporting.…

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Consumer Financial Protection Bureau XXXX : Formal Complaint Against United Wholesale Mortgage I am submitting this formal complaint against United Wholesale Mortgage regarding my mortgage loan and the lack of proof of fund disbursement. I executed a promissory note in connection with my mortgage loan ; however, I have never received any direct evidence that the loan proceeds were disbursed to me or on my behalf. Specifically, I have not received proof in the form of a canceled check, wire transfer confirmation, or any bank transaction showing the actual movement of funds. I have made multiple good-faith efforts to resolve this matter. On XXXX separate occasions, I sent written requests to United Wholesale Mortgage asking for verification and documentation of the alleged fund disbursement. Each time, instead of providing the requested proof, I was redirected to a third party, and my requests went unanswered.…

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On XX/XX/year> a payment was made to our mortgage company United Wholesale Mortgage in the amount of {$4500.00}. United wholesale mortgage is stating the payment was never received due to insufficient funds. However they did successfully take the money. After they took the money they tried to withdraw it XXXX more times after that for some odd reason which is why it is showing insufficient funds. We have sent numerous faxes showing bank statements and have provided letters from our bank proving the money was successfully taken. No resolution has happened and our mortgage loan is now showing in default.

I am a XXXX veteran and have a tax exemption from my country for 100 % of my property taxes. I received the documentation of this back in XXXXXXXX XXXX XXXX. I requested an escrow analysis by United Wholesale Mortgage at that time. I spoke with customer service representatives over 5 times regarding the issue over a period in excess of 90 days. I then received a notice that my payment was increasing because of a escrow shortage. It still listed my estimated property taxes I am exempt from. I can not get the company to property assess my escrow and reduce my payment.

I have an insurance claim that was paid to me and my mortage company. The process wherein the mortgage company holds my funds and releases them is intentionally delayed so the mortgage company can make money off the interest of my benefits. They sent partial funds and do virtual reports that are wildly inconsistent and inaccurate and do not process payments within the timeframe that allows for work to be completed. I submitted ceritificate of completion from my contractor 7 business days ago and they have not sent funds in over 10 business days. we have time stamped geo marked work wherein the inspector claims work was not performed. 95 % of the work was performed and they gave 42 % on interim report. Much of the work was completed before the file was even opened that they claim wasn't performed. They have no incentive to respond. There incentive is to delay and minimize payments so they can make money.

I bought my home in the spring of XXXX from XXXX XXXX. XXXX XXXX sold my mortgage to United Wholesale Mortgage in XX/XX/XXXX. I refinanced in XX/XX/XXXX with United Wholesale Mortgage. United Wholesale Mortgage sold the mortgage to XXXX in XX/XX/XXXX. The problem is UWM did not close down the first lien. I am trying to sell my house and the satisfaction note for XXXX XXXX, XXXX XXXX. UWM is not taking ownership of their mistake and redirecting me to the other mortgage companies. I have talked to them and they say UWM is the one that needs to provide the Satisfaction Note. I am at a point where I may lose my seller ( we were suppose to close on XX/XX/XXXX ) but even worse, I can't sell my house at all until this is resolved. This is causing financial struggles on my end currently and I don't know what else to do.

I am submitting this complaint because my mortgage account is being reported inaccurately on my credit report. The account listed as UNTD WHL MTG from United Wholesale Mortgage entered an approved forbearance and loan modification due to financial hardship. I have been making payments according to the negotiated payment schedule and I have provided documentation confirming these payments. Despite this, XXXX and XXXX continue to report information that does not accurately reflect the status of the account. I also have not received a clear method of verification or documentation showing how this information was verified. Under the Fair Credit Reporting Act, credit reporting agencies must ensure that the information they report is accurate and must conduct a reasonable reinvestigation when a dispute is submitted.…

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Company Response Re : CFPB Complaint Nos. XXXX & XXXX Dear XXXX XXXX : I am writing you on behalf of United Wholesale Mortgage , LLC ( UWM ) regarding the above-referenced complaints you filed with the Consumer Financial Protection Bureau. In your complaints, you have expressed concerns regarding UWMs management of your escrow account, the receipt of an alleged refund from the XXXX XXXX taxing authorities, and adverse credit reporting performed by UWM. We have reviewed our records and will address your concerns below. On XX/XX/XXXX, you closed a VA refinance loan with XXXX XXXX XXXX secured by property located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Pursuant to the enclosed Notice of Servicing Transfer provided to you at closing, the servicing of your loan was transferred to XXXX effective XX/XX/XXXX.…

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Complaint Regarding Escrow Mismanagement and Improper Force-Placed Insurance I am filing this complaint regarding the servicing of my mortgage loan by United Wholesale Mortgage XXXX I believe my escrow account and homeowner 's insurance were mishandled, resulting in significant financial harm and unnecessary force-placed insurance. From the beginning of my loan, my homeowners insurance policy was established and the premiums were intended to be paid through my escrow account. I was specifically informed that once escrow was established, the mortgage servicer would be responsible for ensuring that my property taxes and homeowners insurance were paid on time. Recently, I discovered that my homeowners insurance policy had been cancelled because the premium was never paid by the mortgage company. When I contacted my insurance provider, they confirmed that payment had not been received.…

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So I refinanced my Loan with United Wholesale Morgage ( UWM ) last XXXX, since them, when I received my first letter, I been trying to set up my account on their website and app, but every single time it says that my account or SSN doesn't exist, I made 5 phone call with the company, where agents tell to fix the problem, and nothing, I send my payment true my chequing account every month at the 2nd my due day, and every month I receive a call 4 or 5 days later from their automatic system, that is a call from collection, I think that this is harassment, their collection system recognize my loan, but their regular automatic system doesn't, and even talking with them 5 times and explaining the problem, they don't do nothing about it, That's is the reason of my complain, and unfortunately I can't just go with other companies, because I have to wait for 270 day to do it, and if I change by own it apply closing cost, and that is not feasible for not one

To make this succinct, XXXX was 4 months late paying my taxes to the city, even though I repeatedly called them over the 4 months. They withdrew the payment from my escrow XX/XX/year>, but could not give me any kind of tracking number to prove that they sent it to the correct place. They then, In XX/XX/year> recalled this payment, and sent out a new one complete with late fees because they admitted they were wrong, This payment did not arrive to the city until the end of XX/XX/year>. All of this caused my 100 % disable the veteran exemption for taxes which would have allowed the {$1200.00} tax bill to be refunded back to me by the city, to be nullified since the payment was late. XXXX refuses to refund the money back to me, even though they admit that they were wrong and failed to do their only job, which is to collect escrow and pay my tax bills and insurance from escrow. I made no less than XXXX calls that were all no less than XXXX minutes long.…

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I made XXXX payment toward the end of XXXX. It left my bank account, processed on my bank end and mortgage end and then was reversed on XX/XX/XXXX ( and never returned to my bank account ). XXXX payment was was processed on both ends XX/XX/XXXX, then reversed on XXXX, never to return to my bank account. The mortgage company says its an XXXX internal banking issue, and the bank is saying its a mortgage issue since the funds were present. The bank end sees more than enough funds in account, the mortgage being paid, and thats that. The mortgage company is claiming there were insufficient funds ( even though bank statement shows the opposite ). I have been ping ponging between the XXXX and put in an exuberant amount of hours at both my bank branch and speaking with the lender to no avail. I have provided the lender bank statements baking up my claim and they are still saying they need a transmittal report to proceed.…

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At the closing of our mortgage refinance, with United Wholesale Mortgage which we signed on XX/XX/year>, we were told we would receive a refund of approximately {$3000.00} within XXXX days. As of today, we have not received those funds. After multiple attempts to contact the bank and being unable to reach anyone for some time, we finally spoke with a representative who assured us the refund would be deposited by XX/XX/year>. That deposit did not occur. On XX/XX/XXXX, we contacted United Wholesale Mortgage again to inquire about the delay. The representative we spoke with apologized and stated the refund would be deposited no later than XX/XX/XXXX. However, she also informed us that the refund amount would only be {$300.00}, which is significantly less than the {$3000.00} we were originally told to expect. Additionally, the loan officer who assisted us with this refinance contacted us regarding our dispute over the {$22000.00} in closing costs.…

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United Wholesale Mortgage is reporting a XXXX late payment on my XXXX mortgage account. This information is inaccurate and appears to have been reported during a mortgage servicing transfer. The servicing transfer to the new servicer occurred on or about XX/XX/year>. During the transfer period, payments and account reporting were in transition between servicers, and delinquency information should not have been reported incorrectly as a result of the transfer. This inaccurate late payment reporting has negatively affected my credit report and caused issues with consumer screening. I have disputed this error and requested that the company investigate and correct or remove the inaccurate delinquency status being furnished to the credit bureaus. I am requesting that the company update my credit report to reflect accurate payment history and ensure no improper late payment is reported from the servicing transfer period.

My loan was in forbearance. It ended in XXXX. They lost my paperwork repeatedly while I applied for loan modification. I was finally approved in XXXX with the first payment due in XXXX. I mailed the payment but they sent it back to me. They are threatening foreclosure. I have called them every 2 weeks for 6 months. No one knows whats happening including the attorney that theyve hired for the foreclosure process. Meanwhile I am locked out of my account online. No one returns calls and they XXXX sent back my mortgage payment all while reporting my mortgage 4+ months delinquent. My credit report is trash. Ironically theyve done the same exact thing to my daughter who is not in loan modification and her payments are up to date. They have trashed her credit too. In my opinion UWM ( United Wholesale Mortgage ) is looking at a class action lawsuit.

I am filing a complaint regarding inaccurate mortgage reporting that has continued despite disputes and certified correspondence. My mortgage with United Wholesale Mortgage was transferred to another lender. However, the tradeline continues to report that the account was XXXX days past due even after the transfer occurred. When a mortgage is transferred, the prior lender must report a XXXX balance and stop reporting delinquency. Continuing to report late payment history after the transfer is inaccurate and misleading and is causing significant harm to my credit profile. I have already disputed this information and allowed more than XXXX weeks for investigation and correction. The inaccurate reporting remains and continues to suppress my credit score, preventing me from refinancing my vehicle and obtaining financing for my business.…

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This complaint is related to a previous CFPB complaint I filed regarding my mortgage account. Although the servicer responded at that time, I never received a clear written accounting of my payments, escrow activity, or confirmation of whether any overpayment was made. I am requesting a full payment history, escrow analysis, and written confirmation of how each payment was applied, whether any overpayment exists, and whether any refund or credit is owed to me. If an overpayment is confirmed, I request that it be refunded to me or properly applied to my loan balance. I am requesting a detailed written explanation with dates, amounts, and calculations. This issue remains unresolved from my prior complaint.

XX/XX/year> - I contacted UWM because my account isn't showing me any information when I log in. They informed me that I was in Active Foreclosure and gave me an Attorney 's information to contact. I called the contact, no response. I received a letter from XXXX and XXXX- I have called them several times. XX/XX/year> - the automotive systems says to email XXXX. I emailed them. No response via email. XX/XX/year> - I sent another email to loss mitigation for UWM and to XXXX From my understanding I have a forbearance/Repayment plan, then I received a denial letter, then not account info and told I was in active foreclosure. This has been a complete disaster. The lender and the Foreclosure contact has been no help at all. I have yet to receive any information, the Loss Mitigation/Mortgage Assistance packet, nothing. This is not good for the consumers that pay mortgages and are working hard to save our homes. I can't be homeless.

COMPLAINT SUMMARY I am filing this complaint regarding serious mortgage servicing failures that resulted in improper default notices, ignored disputes, credit damage, loss of business funding, and foreclosure activity. DETAILED DESCRIPTION In XX/XX/XXXX, servicing of my mortgage loan transferred to United Wholesale Mortgage. Immediately after the transfer, my payment amount became incorrect due to failure to apply a XXXX temporary buydown. Autopay was disrupted. I paid the higher incorrect amount in good faith and contacted XXXX repeatedly ( XXXX calls ). I was later instructed on recorded calls not to pay while the issue was investigated and was told credit would not be negatively affected. Despite this, XXXX issued multiple written default notices beginning XX/XX/XXXX. At the same time, XXXX sent written confirmations stating that no delinquent reporting had occurred and that there were no credit issues. These statements directly contradict the default notices.…

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This complaint is against United Wholesale ( " UW '' ). My loan number is XXXX. I closed on my townhouse on XX/XX/XXXX. At that time, I was assured, through emails and insurance agent, that UW had all of the current insurance information. Some time in XXXX, XXXX, right after I closed, I was advised by UW that they did not have my hazard insurance information and forced placed insurance would be added and paid out of my escrow. Once that was straightened out, they sent me a letter on XX/XX/XXXX indicated they had ALL the information needed. I worked with my agent to get this information, even though it seemed odd that they did not have it as I needed to provide evidence of coverage for closing. It is unclear what my insurance agent submitted at that time. Approximately one week ago, I logged onto UW 's website to obtain information regarding property taxes and what popped up was that my next mortgage payment due on XX/XX/XXXX would be close to {$8100.00} ( from {$4100.00} ).…

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I had already prepaid interest through XX/XX/XXXX, and as of XX/XX/XXXX, my principal balance was only one cent. Because mortgage interest accrues solely on the outstanding principal, no additional interest should have accrued after that date regardless of when the payoff was processed. However, UWMs automated system generated two different payoff statementsone in XXXX and another in XXXX significantly different refund amounts. The XX/XX/XXXX payoff statement showed that UWM owed me {$21000.00}, while the XX/XX/XXXX payoff statement showed only {$16000.00}, a difference of about {$5500.00}. The sole change was the interest to payoff date, even though my principal remained effectively zero. This discrepancy strongly suggests that UWMs system misapplied its standard payoff logic to your unique situation, calculating additional interest that could not have accrued. The communications with UWM show that I made good-faith efforts to clarify and resolve the issue.…

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I spoke to a rep from United Wholesale Mortage company this morning, but he was very rude and did nothing but lecture me regarding if the late payment were to be moved to the end of the loan how would I even be able to make the payments in the future. I told him at leas it would be a start over but again he wasn't willing to help me solve my issue. I've tried to get help but again I've never received any response through the mail reason is I've tried several times to get them to send it to my mailing address not XXXX XXXX address but they refuse to make the change. I'm willing to make an effort to try to get myself caught up but again will not take any money they I offer put it toward the late payment because they will not except partial payments. I don't appreciate being treated so poorly and being lectured by this person the ID number to this person is XXXX I ended the conversation with him after being disrespected. We are all going through hard times. Thank you XXXX XXXX

My mortgage servicer improperly caused and charged a property tax penalty due to an escrow payment error for my XXXX XXXX XXXX property taxes. The total XXXX tax bill was {$6800.00}. The servicer paid only {$3100.00} from escrow on XX/XX/XXXX, leaving a large unpaid balance. Although sufficient funds were available in my escrow account, the servicer failed to pay the full amount by the statutory deadline. The remaining balance was not paid until XX/XX/XXXX, which caused a tax penalty and interest of {$250.00} to be assessed by XXXX XXXX. That penalty was then paid from my escrow account. The servicer claims that the penalty is my responsibility because a corrected tax bill was mailed to my property address. However, under RESPA and CFPB servicing requirements, escrow servicers are responsible for monitoring, reconciling, and paying corrected or supplemental tax bills. Whether a bill was mailed to the borrower does not transfer liability.…

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I am an XXXX XXXX servicemember XXXX XXXX. I repeatedly requested mortgage relief under the Servicemembers Civil Relief Act ( SCRA ), including a payment forbearance. Instead of processing my request or providing instructions, the servicer sent a generic loan servicing transfer response. I have been unable to reach a live representative, and my SCRA request remains unaddressed.

Complaint Against : XXXX XXXX and United Wholesale Mortgage ( UWM ) Description of Events : I am filing this formal complaint regarding a tax disbursement error originating in early XX/XX/XXXX and the subsequent failure of XXXX XXXX to provide professional or transparent customer service. XXXX. Financial Error & Lack of Disclosure : In early XXXX, I received a check addressed to me and my tax municipality for an incorrect amount. Despite my repeated requests, XXXX has failed to provide a transparent explanation as to why this check was issued or how the specific amount was calculated. XXXX. Documented Evidence of Exhausted Resolution Efforts : I have made extensive, good-faith efforts to resolve this directly with the servicer and lender.…

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I am filing a complaint regarding serious mortgage servicing and escrow errors by my loan servicer, United Wholesale Mortgage that acquired my loan from XXXX XXXX, that have remained unresolved for approximately six months following the closing and/or servicing transfer of my loan. Since that time, my monthly payment amount and escrow account have been incorrect. Despite numerous attempts to resolve this through customer service, the servicer has failed to correct the errors. These issues include, but are not limited to : Incorrect escrow balance and/or escrow analysis Incorrect monthly payment amount Failure to properly apply payments Failure to correct known servicing errors after notice I submitted a formal Notice of Error under RESPA ( Regulation X, 12 CFR 1024 ) requesting investigation and correction. The servicer has failed to provide a meaningful response or resolution.…

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