| 06/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Dear Sir or Madam On XX/XX/XXXX my wife and I flew to California to close this cash out refinance after receiving a clear to close e-mail from XXXX XXXX at XXXX XXXX XXXX. After numerous delays and errors by all parties involved in this transaction the deal was ready to finally close. As you will see it didn't close as a direct result of negligence, incompetency and failure to disclose pertinent information by United Wholesale Mortgage ( UWM ) and XXXX XXXX XXXX. I have been a XXXX XXXX XXXX in Florida for XXXX years and never have I seen such a disorganized, negligent and unethical group of participants in a real estate transaction.
As a result of the failure to fund this loan as agreed upon, formal complaints will be filed with the licensing boards of all parties involved in this transaction as being guilty of negligence, lack of ethical behavior, incompetence, lack of supervision and failure to perform their fiduciary duties to name a few. Mistake after mistake with no apparent communication between these companies led to delay after delay ultimately resulting in financial loss to the claimant as well as the failure to fund the loan. As states begin to open up and government agencies begin to get back to normal we will begin the complaint process as well as pursuing any legal remedy available to us. The companies involved in this disgraceful fiasco are : XXXX XXXX XXXX, United Wholesale Mortgage ( UWM ), XXXX XXXX XXXX XXXX XXXX XXXX.
Below is a brief summary most of which is probably not in any files the above companies might have on this transaction. I will include an e-mail timeline showing the disorganization and overall incompetence of the various parties whose delays ultimately sabotaged this deal.
The deal is blown due to unethical behavior on the part of XXXX XXXX of XXXX XXXX XXXX.
At no time did UWM or XXXX XXXX XXXX disclose or mention that XXXX XXXX was going to require employment reverification after XX/XX/XXXX. With this critical information never disclosed, on XX/XX/XXXX my wife signed up for a VOLUNTARY 30 day leave of absence ( VLOA ) after being assured by XXXX XXXX, Director of Sales & Development at XXXX XXXX XXXX that he had gone up the chain of command at UWM and confirmed that if we remediated the termite issue and completed roof repairs the loan would be closed and funded immediately. On XX/XX/XXXX the termite and roof clearance letter was received and we immediately e-mailed XXXX XXXX, CEO of XXXX XXXX XXXX that we were ready to close immediately. Again, another unnecessary delay until XX/XX/XXXX when the notary arrived and we signed all documents. After all the delays, errors, negligence, incompetence and failure to perform fiduciary duties by all parties involved, the deal was done. Then it wasn't. A deal that was supposed to close in early XXXX at the latest now got caught up in the Covid-19 hysteria and overreaction because my wife chose to do the right thing after being assured we were in the clear. Had we not been lied to by XXXX XXXX, my wife would not have volunteered to take leave and jeopardise this deal. To be clear, she is not laid off and is still an employee at XXXX XXXX. She will be back to full time employment as of XX/XX/XXXX. Why doesn't anyone know what they are doing?
The Property In XXXX my wife and her brother inherited the home at XXXX XXXX XXXX, XXXX, CA from their parents. This home has no mortgage and is free and clear from any liens on the property. The names on the deed are XXXX and XXXX. My wife 's parents were very poor and were unable to always make necessary repairs to the home but the home was completely functional and livable and we were well aware of the repairs and upgrades needed. This home has been in the family for over 40 years so again, we were well acquainted with what needed to be done.
In late XXXX my wife 's brother decided he no longer wanted to be a part of this house and wanted us to buy out his 1/2 of the home. On XX/XX/XXXX we began working with a representative at XXXX XXXX XXXX in XXXX XXXX promising a 21 day closing and lender credits at closing!! From day 1 we made our intent very clear with XXXX XXXX XXXX that we wanted a cash out refinance to update and refurbish the home and pay brother in law his agreed upon price. We were very clear that the home was perfectly livable and structurally sound in it's current condition and we conveyed to XXXX XXXX at XXXX XXXX XXXX that our intent was to begin improvements on the home immediately after closing and we accept the property as-is. At no time from early XX/XX/XXXX through XXXX and into XXXX was there ever a mention of any contingency or inspection that needed to be addressed and remedied. This included the period from XX/XX/XXXX when the " first '' appraisal was provided to XXXX XXXX XXXX and UWM to XX/XX/XXXX when we were " cleared to close ''. Clearly, nobody at UWM bothered to even look at the appraisal until we were ready to close and now a termite inspection is demanded and eventually roof repairs would need to be completed before funding. WHY WAS THIS NOT DISCLOSED PRIOR TO THE SCHEDULED CLOSING DATE? Again, throughout this entire process there was never a mention of any inspections or contingencies. If they were necessary they were not ever disclosed!! This incompetence and negligence resulted in this deal being blown up after all the unnecessary delays, errors and omissions from all parties involved in this deal. We spent over {$1000.00} traveling to California for a closing that did not occur on XX/XX/XXXX because someone at UWM failed to disclose that a termite inspection was needed. ANY REPAIRS AND REMEDIES EASILY COULD HAVE BEEN TAKEN CARE OF WEEKS BEFORE SCHEDULED CLOSING IF ANYONE AT UWM or XXXX XXXX XXXX HAD BEEN PAYING ATTENTION AND DOING THEIR JOB. Throughout this process we provided everything requested from us immediately.
To make matters worse, UWM and XXXX XXXX XXXX THEN TRIED TO COVER THEIR BEHINDS BY HAVING THE APPRAISAL COMPANY ALTER/REWRITE THE ORIGINAL APPRAISAL TO THE BENEFIT OF UWM BY NOW STATING A TERMITE INSPECTION WAS NEEDED WHEN THE ORIGINAL APPRAISAL MADE NO MENTION OF A TERMITE INSPECTION. This was done XX/XX/XXXX the day AFTER we were supposed to close and resulted in financial harm to the claimant. This is disgraceful, possibly illegal and most likely appraisal fraud. By this time we are now furious and completely disgusted by all parties involved. We tried contacting UWM directly but were told we had to go through our mortgage broker. I wanted to know what needed to be done and they kept delaying with any answers. XXXX wouldn't return calls and finally, after 3-4 tries I got someone at UWM to tell me the deal wasn't being funded because a contingency wasn't addressed. WHAT?? Ultimately XXXX said we need a termite inspection. Really, when were you going to let us know?? We know the house is old and we already let everyone know we were going to refurbish the house and most likely at it's age it probably has termite damage. So all you need is the termite inspection and we can proceed to closing, correct? Yes they just need the inspection report and nothing is mentioned about remediation and repairs. Days again are being wasted by this failure to communicate between XXXX and UWM and to clearly let the client know what they want. Ultimately after wasting many precious days we had the home tented and an entire new roof put on because we were assured by XXXX XXXX we were in the clear. We got screwed!!! Money was spent on roof repair and tenting to the tune of $ XXXX which we are now out because of lies, neglect, ignorance etc. This is completely unacceptable particularly when we made it perfectly clear from day 1 we accept the house as-is. This was not a sale, it was a cash out re-fi by the current owners.
Promotion of Fraud Once the deal was blown up, XXXX XXXX was searching for other forms of income and suggested taking a look at our IRA's,401k and Roth to see if they would cover the necessary income needed. Both XXXX XXXX and XXXX XXXX told me on separate occasions what I should do is agree to withdraw funds for three years out of these accounts and once we got our money from UWM to immediately stop the withdrawals. They were suggesting I deceive UWM and the Federal Government which I was not comfortable with. Fortunately, the numbers didn't add up and they dropped this scheme.This is completely unethical and I'd like to know who is aware of this practice and are participants in this charade as 2 people at XXXX XXXX XXXX were promoting it and claimed many clients have done it. This was outrageous!
The e-mail trail of negligence, incompetence, miscommunication etc.
What follows is the disgraceful, unprofessional and negligent behaviors of all the participants in this transaction. Delay after delay, mistake after mistake wasting precious time ultimately sank this deal as unbeknownst to everyone there was a ticking time bomb that would blow up in the claimants face due to a change by XXXX XXXX and Covid-19. None of these delays are acceptable behavior by any of these so-called professionals and the only party damaged by this ridiculous sequence of events is the claimant out over {$18000.00} plus the {$370000.00} approved and cleared to close loan. It clearly appears that neither UWM or XXXX XXXX XXXX had an organizational checklist or flowchart to follow throughout this deal. Incredibly, every time we were told that all the documentation we needed to provide was accepted and we don't need anything else invariably, someone remembers they need something else days or weeks later leading to changing the loan amount and lender credits while delaying closing the loan. UWM approved the loan 3 or 4 times only to come back and move the goalposts.
Below is a summary of the e-mail chain. All e-mails are available if requested.
XX/XX/XXXX Loan process starts with XXXX XXXX at XXXX XXXX XXXX. Promised 21 day closing and over {$4000.00} in lender credits XX/XX/XXXX All documents have been submitted and accepted XX/XX/XXXX loan processor requests mortgage payments for primary residence and subject property. Completed XX/XX/XXXX XX/XX/XXXX loan is registered with United Wholesale Mortgage XX/XX/XXXX loan approved at {$370000.00} with lender credits $ XXXX XX/XX/XXXX XXXX XXXX to order appraisal but says it's only good for 30 days. Need to check with brother in law as to signing availability as he travels for work XX/XX/XXXX Congratulations your loan is now in underwriting XX/XX/XXXX New conditions from lender ... DL, HOA dues, credit inquires. Doesn't the loan processor have a checklist she should be following? This is requested 3 weeks after the loan process was started. Request was completed immediately.
XX/XX/XXXX Loan has been approved ... ..Again. Need appraisal and copy of will. XXXXX can sign around XX/XX/XXXX XX/XX/XXXX Trust document requested by XXXX XXXX Completed XX/XX/XXXX Why so long to request this document?
XX/XX/XXXX Loan has been approved ... AGAIN! Lender requests conditions need to be cleared : appraisal, picture DL, explanation of credit inquiries, HOA dues for primary residence. All requested items e-mailed XX/XX/XXXX to XXXX XX/XX/XXXX Appraisal ordered XX/XX/XXXX All loan documents accepted. No further documents requested XX/XX/XXXX XXXX requests credit inquiry explanation ... again XX/XX/XXXX XXXX acknowledges she had already received credit inquiry request on XX/XX/XXXX XX/XX/XXXX XXXX writes we are close to Clear to Close documents. Let 's lock in the rate. Current rate 3.75 % with a {$3900.00} Lender Credit XX/XX/XXXX XXXX requests homeowner insurance be changed to our name and updated XX/XX/XXXX XXXX REQUESTS BROTHER IN LAW CONTACT INFORMATION TO ARRANGE SIGNING XX/XX/XXXX Brother in law confirms speaking with XXXX. No mention of his wife needing to sign any documents.
XX/XX/XXXX " First '' appraisal report delivered. NO MENTION OF ANY CONTINGENCY ISSUES OR INSPECTIONS NEEDED!
XX/XX/XXXX Insurance quote provided to XXXX but insurance company needs a closing date/effective date. When is the closing?
XX/XX/XXXX XXXX says start the insurance now to " speed things up '' When is the closing date?
XX/XX/XXXX XXXX asks if my brother in law is married. Although she failed to ask him herself I confirm he is married. Again, no mention brother in laws wife needs to sign anything! Brother in law signing is confirmed for XX/XX/XXXX.
XX/XX/XXXX New Closing Disclosure arrives for {$370000.00} LENDER CREDIT REDUCED to {$3500.00} XX/XX/XXXX XXXX informs me she asked for wrong information from insurance company and needs name of company and policy number. Completed XX/XX/XXXX XX/XX/XXXX New Closing Disclosure arrives with Loan Amount REDUCED to {$360000.00} Lender Credit REDUCED to {$3400.00} XX/XX/XXXX Lender requests to see assets of {$3700.00} for funds to close. Completed XX/XX/XXXX XX/XX/XXXX e-mail brother in law to confirm signing tomorrow as neither XXXX XXXX XXXX or Lawyers Title have communicated confirmation XX/XX/XXXX Lawyers Title e-mails me informing me brother in law 's wife has to sign an interspousal deed. XXXX 's wife just returned to XXXX XXXX XXXX literally 3 days ago and was easily available to sign when she was in XXXX but nobody let anyone know she had to sign anything!
XX/XX/XXXX I let brother in law know and he says someone dropped the ball and did not tell him wife had to sign. Document must be notarized.
XX/XX/XXXX brother in law signed his documents and his wife will sign in the consulate in XXXX when brother in law returns to XXXX XXXX. This was after XXXX claimed the document needed to be signed now! I reminded her it was either XXXX XXXX XXXX or XXXX XXXX that completely dropped the ball on this issue.
XX/XX/XXXX Congratulations your loan is now cleared to Close!! Closing scheduled for XX/XX/XXXX. Expect notary to call you with signing details.
On XX/XX/XXXX we are in XXXX California and we hear nothing from anybody. XXXX XXXX XXXX will not answer the phone and I leave several voice messages. XXXX XXXX won't answer the phone. I eventually get someone at UWM to at least look at my file and tell me what's going on. This was after calling UWM 3-4 times and being told we won't talk to you and you need to call your mortgage broker. I told the last person I spoke with at UWM my broker won't answer the phone and we were supposed to close today. She let me know she wasn't supposed to do it but she looked at my file and saw there was a contingency that required action before the loan would be funded. WHAT CONTINGENCY??? She agreed she would try to get in touch with the mortgage broker and at least have them have the decency to call me.
XX/XX/XXXX A new revised/altered appraisal arrives with changes made to cover the behinds of UWMXXXX XXXX XXXX by adding a new paragraph stating there should be termite treatment and wood replacement. This paragraph did NOT appear on the appraisal received XX/XX/XXXX and is a clear error and omission by the appraiser, XXXX XXXX XXXX and UWM for this critical information to be added at a later date ultimately causing financial harm to the claimant.
XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX sends a vague message about a pest inspection but mentions nothing about possible termite remediation and wood replacement As expected in an old home there was termite damage and some wood needed replaced. We communicated time after time throughout the entire process we were aware of repairs that needed to be done and a sizable chunk of the refi money was going to repair and upgrade the home. Now we are told that UWM demands the house be tented and certain wood be replaced or they won't fund the loan. Why were we not told of this weeks ago when these issues could have easily been remedied and we wouldn't have wasted our time and money to fly to California to be blindsided. We are now completely furious and have no confidence anyone involved in this deal is competent. Everyone from XXXX XXXX XXXX, to the appraiser, to XXXX XXXX to UWM have made mistake after mistake costing us valuable time and money. We are willing to get the repairs done immediately if we are guaranteed that UWM will fund the loan when the job is completed. XXXX XXXX ( XXXX 's supervisor ) said he took it up the chain of command at UWM and was assured if we complete the termite remediation and replace the wood rot the deal would be funded immediately. Tenting and a new roof were completed XX/XX/XXXX and the clearance report was issued XX/XX/XXXX. We are ready to close IMMEDIATELY!
XX/XX/XXXX Still another Closing Disclosure arrives with Loan Amount LOWERED AGAIN to {$350000.00} Lender Credit reduced to {$2700.00} XX/XX/XXXX XXXX XXXX confirms if termites are exterminated and the wood items on the pest report are cleared we will be ok to proceed with funding. We order the termites exterminated and the required wood replaced as stated in the termite inspection report. Both jobs completed by XX/XX/XXXX XX/XX/XXXX e-mail sent to XXXX XXXX CEO of XXXX XXXX group stating all repairs and tenting are complete and clearance has been received we are ready to close!!!
XX/XX/XXXX Still ANOTHER Closing Disclosure with loan amount {$350000.00} and Lender Credit REDUCED to {$280.00} Ridiculous On XX/XX/XXXX a notary came to our home in Florida and we signed all the closing documents. At no time between XX/XX/XXXX and XX/XX/XXXX did either UWM or XXXX XXXX XXXX convey or communicate thaXXXX XXXX XXXX was changing it's guidelines and employment must be reverified. Due to this lack of communication and the assurance we were " in the clear '' as XXXX XXXX said, my wife took a voluntary 30 day furlough from her flight attendant duties at XXXX XXXX. She is still an active employee and was not laid off. She will be back full time on XX/XX/XXXX. This is infuriating as this furlough was completely voluntary and if anyone at either UWM or XXXX XXXX XXXX had said anything she wouldn't have taken it and this deal would have been funded AS PROMISED.
XX/XX/XXXX Still another Closing Disclosure arrives with loan amount back up to {$370000.00} and lender credit of {$300.00} Closing date XX/XX/XXXX. As usual neither UWM or XXXX XXXX XXXX have a clue as to what each one is doing.
Amazingly, as our loan amount and lender credit were being reduced the commission paid to XXXX remained steady and in fact has now been increased as of this last bogus Closing Disclosure.
It's clear in reviewing this transaction that we did everything asked of us in a timely fashion while everyone else involved on the " professional '' side was making mistakes and causing delays that ultimately blew the deal. As mentioned above this bungled deal has cost the claimant $ XXXX in repairs that were not necessary as the owners were fine with the home as-is but were willing to do the work in order to close the deal. Cash out refinances generally do not require work done in advance as the whole purpose of the loan was to use equity in the home to upgrade the home. Everyone involved in this transaction should be embarrassed. It has been a complete disgrace and the only one damaged is the client.
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| 07/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX we closed on the purchase of our home, located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Every payment made to our mortgage company, United Wholesale Mortgage ( UWM ) was on time, and paid via autopay from our XXXX XXXX ( XXXX ) account. We chose to refinance for a lower interest rate. The refinance closed on XX/XX/XXXX.
We received our new loan statement [ Attachment 1 ], dated XX/XX/XXXX, which was also from UWM. I arranged for a new autopay through XXXX, and the first payment was processed on XX/XX/XXXX [ Attachment 2 ]. On XX/XX/XXXX, I called UWM at XXXX to ask a few questions [ Attachment 3proof of call ]. As we were in the process of completing our XXXX taxes, several topics were discussed, including : - What the stipulations were for UWMs COVID-19 forbearance program o Upon hearing the requirements associated with this forbearance program, I said that while I appreciated the information, we would not need to utilize the program, as we were financially comfortable.
- I asked for our new loan number and any tax documents, so that I could provide them to our accountant. The representative stated that there was only one loan in XXXX, and that the new loan number had not yet been generated.
o At this point, I said, Oh, so I couldnt even make a payment right now, even if I wanted to? to which the representative laughed and agreed.
o During the course of this 14-minute call, I was not once informed that our XXXX mortgage payment was delinquent, even after I asked, is there anything else that I need to know?
We did not receive any further communication from UWM until I received several letters at once, on XX/XX/XXXX : - Delinquent payment notice ( dated XX/XX/XXXX ) [ Attachment 4 ] - Loan statement ( dated XX/XX/XXXX ) stating that we owed {$6600.00} [ Attachment 6 ] - Letter from UWM attempting to collect upon a debt ( dated XX/XX/XXXX ) [ Attachment 7 ] - Notification of right to HUD counseling ( dated XX/XX/XXXX ) [ Attachment 8 ] Upon receiving these letters, I immediately called UWM at the number on our mortgage statement XXXX XXXX ) to address the issue. I called at XXXX XXXX on XX/XX/XXXX, and the call lasted 12 minutes. Upon hearing that they had not received our payments for XX/XX/XXXX and XX/XX/XXXX, I immediately logged into XXXX XXXX to send a payment while still on the phone with UWM. I asked to have the late fee waived, which they said could be done as a courtesy once every 12 months, so I sent a payment for {$6400.00} ( the full amount owed, minus the late fee of {$120.00} ). This late fee has still not been waived.
In addition to not informing me of the delinquent XXXX mortgage payment during the XX/XX/XXXX phone call, UWM made no attempt at live contact or early intervention at all, in direct opposition of 12 CFR 1024.39 ( a ) and 12 CFR 1024.31, respectively. XXXX XXXX guidance that servicers must, at minimum, make personal contact with the Borrower as early and as often as necessary to promptly cure the Delinquency was also ignored. [ Attachment 9 confirmation that our correct phone number, XXXX, had been provided ].
The first notification we received was the Delinquent Notice, dated XX/XX/XXXXonly after they were legally allowed to assess a late fee [ Attachment 4 ].
On XX/XX/XXXX, I called UWM at XXXX XXXX to confirm that they had received the payment [ Attachment 5 ; proof of call ]. Upon learning that they had NOT yet received the online payment through XXXX, I immediately paid the full amount owed of {$6400.00} over the phone ( Confirmation # XXXX ). When I asked what to do in order to get our credit reports fixed, I was told that the only way to correct the negative reporting to the credit bureaus would be to file a dispute through the credit bureaus directly.
On XX/XX/XXXX, I again called UWM ( XXXX ) at XXXX XXXX and was connected with XXXX. I asked her why, when I called on XX/XX/XXXX, the representative I spoke with did not tell me that our XXXX mortgage payment was delinquent. XXXX stated that while all calls are either recorded or notated, they had no record of my call on XX/XX/XXXX at all. It was during the course of this call that I finally learned that the phone number listed on our mortgage statements ( XXXX ) is actually the phone number for UWMs sub-servicer, XXXX XXXX. When I called UWM ( XXXX ) on XX/XX/XXXX, I was speaking with UWM directly, not the sub-servicer ( XXXX XXXX ).
Neither UWM nor XXXX XXXX provided us with notice that our loan service was being transferred, in violation of 12 CFR 1024.33 ( b ) and page 10 of our Deed of Trust [ Attachment 10 ].
XXXX then transferred my call to Shantice ( XXXX XXXX ). XXXX began our call by stating that all calls were recorded, so I asked to hear the recording of my call to UWM on XX/XX/XXXX. XXXX then transferred me to XXXX at XXXX XXXX. XXXX stated that they would need to open an investigation, which would involve reviewing the transcript of all calls. XXXX stated that I would get a letter with the results within 5 to 7 business days. I never received a letter or any other follow up from UWM or XXXX XXXX regarding this request for an investigation. At no point was I informed that I would need to submit a request in writing in order for an investigation to be conducted, in violation of 12 CFR 1024.35.
On XX/XX/XXXX, I again called Cenlar ( XXXX ) to ask for the results of the investigation. I was told that the inquiry had no notes regarding my request for the transcript or recordings of the calls from XX/XX/XXXX, which is in direct violation of 12 CFR 1024.38 ( c ) ( 1 ) and 12 CFR 1024.38 ( c ) ( 2 ). I was told that no official investigation had been started, because only Loan Administration could initiate an investigation, and I had previously spoken with Customer Service. Again, at no point was I informed that I would need to submit a written request in order to have an investigation stated. I asked to speak with a supervisor, and was told that Mr. XXXX XXXX would call me back within 24 hours. I was also told that the investigation should be completed by XX/XX/XXXX.
Following these conversations with XXXX, I reached out to our loan officer, XXXX XXXX at XXXX XXXX. He connected me with XXXX, one of his teams Customer Service Representatives.
On XX/XX/XXXX at XXXX XXXX, XXXX arranged a conference call to Cenlar ( XXXX ) [ Attachment 11XXXX bill showing call to XXXX at XXXX ]. During this 36-minute call, the representative I spoke with said, It looks like youre trying to blame us for something thats not our responsibility. I asked why I had not been called or emailed regarding the missed payments, and was told that the company, does not have time to reach out to customers over things like that. This is in blatant violation of CFR 1024.39 ( a ), as well as CFPB Bulletin 2013-12. The representative stated that Mr. XXXX XXXX would call me back by the end of the day. Once the representative from XXXX had hung up, I spoke briefly with XXXX about the call, and she stated that the tone of the representative, and the fact that she said that I was trying to blame them for something that wasnt their responsibility, indeed felt very predatory.
Mr. XXXX XXXX called me later on XX/XX/XXXX [ Attachment 11 ; XXXX ]. Mr. XXXX stated that all facts would be reviewed, and that only facts can lead to a credit retraction. He, too, was unable find record of the XX/XX/XXXX phone call that I placed to XXXX. When I provided the phone number I had called XXXX XXXX ), he stated that he works for XXXX, not UWM, and would not have access to those phone records. I asked for him to reach out to UWM to get those records for the investigation. Mr. XXXX said that it would be a minimum of 2 weeks to achieve a resolution, and said I would likely hear back around XX/XX/XXXX.
On XX/XX/XXXX at XXXX, I called Cenlar ( XXXX ) to find out the results of the investigation [ Attachment 12proof of call ]. I was told that the investigation was complete : our mortgage payments for XX/XX/XXXX and XX/XX/XXXX were received on XX/XX/XXXX, which would not provide any reason for them to change the reporting to the credit bureaus. We also received a generic template letter from UWM, stating the same [ Attachment 13 ]. I asked who had made the report to the credit bureaus, and was told that XXXX XXXX had done so on XX/XX/XXXX. I asked to review the transcript of recording of the call from XX/XX/XXXX, and was told that they did not have access to it, so it was not included in the investigation. This makes it clear that XXXX XXXX did not bother to conduct a reasonable investigation, in violation of 12 CFR 1024.38 ( e ).
While still on the same XXXX XX/XX/XXXX call, I was transferred to UWM at XXXX XXXX. I asked if there was any record of an investigation into the call on XX/XX/XXXX, and was told no, in clear violation of their duty to maintain an accurate servicing file as set out by 12 CFR 1024.38. The representative stated that she could see that there was a call on XX/XX/XXXX, but that there was no record of a request to investigate it, and noted, that is very strange.
I was then connected with XXXX at XXXX XXXX, while the previous representative was still on the line. I asked them both, If I called my mortgage company directly, why wouldnt they tell me that my XXXX mortgage payment was delinquent? XXXX said, I see what youre saying, but offered no other explanation. I asked for the transcript or recording of the XX/XX/XXXX call, and was told that a manager would have to request the call record. I was further told that I would need a court order to receive a copy of the transcript. I asked them to send the recording or transcript to Cenlar, and was told that would also require a court order or subpoena, despite the fact that UWM had failed in its duties to transfer accurate and timely information relating to the servicing of our loan to the sub-servicer ( XXXX XXXX ), as stipulated by 12 CFR 1024.38 ( a ). Further, they did not provide notification, written or oral, that the records constituted confidential, proprietary, or privileged information before refusing to provide me with the telephone recording, a blatant violation of 12 CFR 1024.35 ( e ) ( 4 ). They offered to allow me to listen to the call, but I would have to wait until a manager could call me back to listen with me. No manager ever called me back.
We feel that it is important to call attention to the unfair, deceptive, and abusive acts that UWM and XXXX XXXX used to mislead us regarding who was actually servicing our loan, in order to ensure that other consumers are protected from their tactics.
- Deceptive : o Following our refinance, the new loan mortgage statements that we received are so similar in style and structure that no reasonable person would think that anyone other than UWM was servicing our loan [ Attachment 14, Attachment 1, Attachment 2, Attachment 6 ] UWMs NMLS Number appears on every statement o The only time the words XXXX XXXX were found written anywhere was in the fine print at the very bottom of the new UWM website that was provided on the mortgage statement [ Attachment 15 ] The design and language of the website makes it impossible for any borrower to recognize that someone other than UWM was servicing the loan.
Please compare the screenshots of the new UWM website [ Attachment 15 ] to the previous UWM website we had accessed prior to our refinance [ Attachment 16 ].
- Unfair o This misrepresentation has caused us substantial injury, as shown by : The significant damage to our credit reportsour credit scores have dropped by approximately 125 points on each credit report [ Attachment 18XXXX Credit Reports ; Attachment 19XXXX Credit Reports ].
XXXX repeated denials for XXXX loans for his XXXX XXXX for COVID relief. The stated reason for this denial was his credit score [ Attachment 20 ; XXXX Loan Denial ] - Abusive o We relied upon the fact that, upon speaking directly to a representative at our mortgage company, UWM, on XX/XX/XXXX for 14 minutes, said representative would act in our interests to tell us that our XXXX mortgage payment was delinquent so that we could act before we suffered substantial damage to our credit reports.
o These practices take unreasonable advantage of the fact that we, as consumers, have no choice in who services our loan, and are thus unable to protect ourselves by choosing a company with a reputation for taking care of its customers.
Further, by damaging our credit scores so substantially, we are no longer in a place to refinance or move to another mortgage lender, rendering us essentially dependent upon UWM and XXXX XXXX.
o It is evident that neither UWM nor XXXX XXXX feels any duty to act in the interests of the consumers. 12 CFR 1024.39 ( a ) specifically states that servicers must make good faith efforts to establish live contact no later than the 36th day of delinquency. Instead of contacting us, however, XXXX XXXX reported both of us to all three credit bureaus on the 35th day of delinquency ( XX/XX/XXXX ).
Finally, please note that at no point were we financially unable to make our mortgage payments, as evidenced by the bank statements attached [ Attachment 17Bank statements showing financial stability ]. Please refer to the credit reports attached for both XXXX [ Attachment 18 ] and XXXX [ Attachment 19 ] ; you will find that we both have exceptional payment histories with every single account we have ever opened. The only missed payment on either of our credit reports is the one reported by XXXX XXXX, as the direct result of their deceptive practices.
Considering our excellent credit history and financial stability, there was absolutely no reason for us to knowingly skip a payment. No reasonable person would expect that their mortgage payment was 2 weeks delinquent following a direct conversation with his or her mortgage lender, during which the borrowers question of, Is there anything else I need to know? was laughed off.
In summary, UWM failed provide us with notification that our loan had been transferred to a sub-servicer ( 12 CFR 1024.33 ( b ) ( 3 ) ). XXXX XXXX failed to provide us with notice that they were now servicing our loan ( 12 CFR 1024.33 ( b ) ( 3 ) ). UWM did not provide timely and accurate information to XXXX XXXX that would have allowed us to fix this problem before it impacted our credit scores ( 12 CFR 1024.38 ( a ) and 12 CFR 1024.38 ( b ) ( 1 ) ). XXXX XXXX failed in its duty to reach out to UWM to retrieve missing records from our file ( 12 CFR 1024.38 ( b ) ( 4 ) ). Both UWM and XXXX XXXX have failed to retain accurate records regarding our recorded and/or transcribed phone calls ( 12 CFR 1024.38 ( c ) ( 1 ) ). An accurate servicing file was not maintained for our account ( 12 CFR 1024.38 ( c ) ( 2 ) ). UWM failed to inform us that our XXXX mortgage payment was delinquent during the XX/XX/XXXX phone call, and XXXX XXXX blatantly disregarded 12 CFR 1024.39 ( a ) when they made absolutely no good faith effort to contact us before sending negative reports to all three credit bureaus. Both Cenlar XXXX and UWM failed to conduct reasonable investigations ( 12 CFR 1024.38 ( e ), did not inform us that we were required to submit requests for investigations in writing ( 12 CFR 1024.35 ), then further failed to provide the recordings or transcripts of the phone conversations ( 12 CFR 1024.36 ) without asserting that those calls were confidential, proprietary, or privileged information. UWM and XXXX XXXX have engaged in flagrantly unfair, deceptive, and abusive practices to hide who was really servicing our loan by making every document and website appear to be from UWM instead of XXXX XXXX, right down to the appearance of UWMs NMLS number on all of our loan statements.
We ask that you assist us in getting both of our credit scores, for all three credit bureaus, corrected so that the deceptive practices of XXXX XXXX and UWM will no longer affect our financial futures. Thank you.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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XX/XX/XXXX On XX/XX/XXXX, United Wholesale Mortgage called us on our landline, ( XXXX ) XXXX, and my husband, XXXX XXXX, answered. My husband recalls that a UWM employee XXXX told him that we had not made our XX/XX/XXXX payment. My husband explained to XXXX that we had set up XXXX when we first refinanced with them in XXXX, XXXX and it has been in place since XXXX, XXXX and was to continue until the loan was paid in full. XXXX did some research and said he didnt know why this happened but an XXXX agreement was not on file. He said we would have to make XXXX payments immediately which we did ( confirmation # XXXX ) .He also said we would have to set up a new XXXX agreement. XXXX could not explain why this happened but he told us to check with XXXX XXXX. We called XXXX XXXX and they said that the reason the payment wasnt made was because a debit wasnt requested by UWM on XX/XX/XXXX. XXXX said he would send out a new ACH set up form. We asked if we would be billed a late fee and my husband was told no. We assumed we were not charged a late fee because the failure to debit our account was not our fault. We also asked if this would affect our credit rating and were told no. The new XXXX form was emailed to us. We completed it and submitted it to XXXX specifying that the mortgage payment of {$1400.00} plus an additional principal amount of {$43.00} would be debited from our checking account on the XXXX of each month starting XX/XX/XXXX. We assumed the issue was resolved.
On XX/XX/XXXX we received a certified letter from XXXX dated XX/XX/XXXX stating that our loan was delinquent and in danger of being foreclosed. We immediately called XXXX and were connected with a person XXXX. We explained that we received this certified letter and we were confused because we thought the issue was resolved. She did research and told us it was resolved and we got the certified letter because the letters are sent out as soon as the payment is late. We asked her if a report was made to the XXXX XXXX XXXX and she said no. We asked her to check this out to confirm what she just told me and she put us on hold and checked. When she returned, she said that there was no negative report made in UWMs records. I asked her to confirm that in writing and she said she would and we would get a letter confirming that assurance.
We subsequently received a letter dated XX/XX/XXXX from UWM stating that UWM had received our inquiry and they had determined that Our records indicate that the XXXX, XXXX payment was paid on XX/XX/XXXX : therefore we have determined that a credit correction was not necessary at this time. We thought that the credit correction was a report to XXXX and assumed that this letter confirmed what XXXX told us during our phone call on XX/XX/XXXX.
On XX/XX/XXXX, I was looking at our XXXX XXXX bank statement and checked the XXXX credit rating. It said that it had dropped XXXX points from XXXX to XXXX on XX/XX/XXXX. I looked into the detail and UWM had reported XXXX XXXX day late payment. I was understandably upset as I thought we had been assured that there would not be a negative credit report submitted by UWM.
I then called UWM and spoke with Customer Service, they transferred me to the Escalation department. I was connected with XXXX. I explained to XXXX that UWM had sent a negative report to XXXX after I had been told they wouldnt. He put me on hold and then came back on the line and said that the XXXX payment wasnt made until XX/XX/XXXX and therefore it was reported. I explained what I had been told on XX/XX/XXXX by XXXX and he said he didnt care what XXXX XXXX told me : she was in error and we were in the wrong so the late payment was reported. He said the UWM is required by law to report all late payments. He then went on to say that XXXX would be coached in her error and it was a learning opportunity for her. I said that doesnt help us. When I asked why the payment was not requested by UWM in XXXX, XXXX stated he didnt know but we must have stated on our original XXXX set up in XXXX, XXXX that we wanted it to only be in place for 36 months. He said that I started the call saying thats what happened. I said I did not-that was crazy and why would we set up XXXX for only 36 months on a 30 year loan. He stated he didnt know why but we must have done that. I said we did NOT do that and he said we had to have done that because UWM did not. I said that I wanted a copy of that original AutoPay request made online and he said that UWM doesnt keep records of anything entered online ; they wipe those records. I said then its your word against mine and he said thats right.
When I asked him why UWM didnt call us to discuss this ; he said they did call and no one answered the phone. He did not tell me that those calls are made by an autodialer, not a human being. I asked what number they called and he said ( XXXX ) XXXX. I said that was our landline number and he said that was the only number they had. He also said that no one answered the phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked why no message was left and he said that our answering machine must have been turned off. I said that our phone line has an answering service provided by our phone provider and it wasnt turned off- we always get messages left on our landline. I then gave him our cell phone numbers to put in our record so in the future they will contact us on our mobile phones. I asked him to delete the ( XXXX ) XXXX landline number because if we are not home we always carry our cell phones and I get missed call notifications. I also said we always check our landline messages because the phone has screen that tells us if we have a message. I didnt understand why UWM wouldnt have left a message.
He then said that UWM received two calls from my husband : XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX where my husband requested assistance accessing the UWM online portal. XXXX said my husband was so confused that he cancelled the XXXX agreement. I said that that doesnt make any sense and I want a record of the activity made online in XXXX and a record of what was changed ( if anything ) on the online portal. XXXX said that UWM has no access to what a customer does on the online portal ; they dont keep records. I said that I would have expected a confirmation of any changes to the AutoPay agreement and XXXX said they dont do that because UWM has no record of what is done online. I asked XXXX how I could make a complaint and he said go on XXXX and write a review. He then said he would love to help us if UWM was at fault, but they werent at fault ; we did not make the XX/XX/XXXX payment on time. I asked who else I could talk to and he said that I could talk to a manager but, unfortunately, no one is available. I asked who is the next person in the chain of command that I could talk to and he said he didnt know but maybe a vice-president. I said that I would start with a manager. He said someone would call me back by close of business on XXXX.
During the call he kept going back to check the transcript of the calls made to UWM. I asked him for a copy of the transcript of those calls and he said I couldnt have a one. I asked why not and he said the transcripts are UWMs property. I asked how I could get a transcript and he said get a summons. I asked him what my options were. He said XXXX ) Prove UWM is wrong XXXX ) XXXX XXXX, etc and ask them to change my rating or XXXX ) Hire a credit repair company. He then told me that I could hire a credit repair company if I wanted our credit rating cleared and said his father-in-law or father just had that done and it wasnt cheap. That seemed very strange for him to suggest that to me.
I found his tone during this call to be condescending, ageist and insulting ; especially the comments about my husband being confused and cancelling the XXXX. I said I didnt believe that UWM doesnt have a record of what is done in their online portal.
On Weds. XX/XX/XXXX, I called UWM again to discuss the letter dated XX/XX/XXXX which we thought meant that XXXX would not file a negative report with the credit rating agency. I was once again transferred to the Escalation department. An employee XXXX came on the line and I asked to speak to XXXX. She said XXXX could not talk to me and how could she help me? I said I was waiting for a call back from the XXXX and I wanted to clarify what the letter dated XX/XX/XXXX meant. I asked her to look at the XX/XX/XXXX letter. She didnt seem to know what I was talking about. I dont know if she found the letter in my file but she asked what it said and who signed it. I said that XXXX XXXX signed it and read her the section that stated Our records indicate that the XX/XX/XXXX payment was paid on XX/XX/XXXX ; therefore we have determined that a credit correction is not necessary at this time. I said that we understood that it meant that we would not be reported to XXXX. She said we were mistaken ; the wording actually meant that UWM was correct and they would NOT reverse the negative report. I told her that the wording was very confusing. I asked again to talk to a XXXX and she said that the XXXX was in a meeting and couldnt speak to me.
I then asked her for the dates and times that UWM called us regarding the XXXX, XXXX payment. She gave me this information : XX/XX/XXXX at XXXX am ; XX/XX/XXXX at XXXX ; XX/XX/XXXX am at XXXX and XX/XX/XXXX am at XXXX am. She confirmed that we did answer the phone on XX/XX/XXXX. I said that we werent at home for the first XXXX calls or we would have picked up the phone. I asked again why UWM didnt leave a message on the answering machine and she said the calls are made by an autodialer and if no one picks up, the machine just goes on to the next number to be called and DOES NOT leave messages. I told her that makes no sense. She said when someone answers the phone, then and only then is the call transferred to a live person. I asked why UWM didnt send us an email and she said that sending an email in the case of late payments is NOT UWMs policy. I told her what XXXX had told me regarding the fact that there is no record made of what is done on the online portal. I said if there is no record how can she say that we cancelled the XXXX. She said XXXX didnt cancel it so we must have cancelled it. I said tech errors are made by companies all the time and she said she was not aware of UWM ever making an error with late payments. I then said it sounds like a XXXX is going to tell me the same thing that XXXX and she told me. She then said Thank you for calling UWM and have a great day I replied that she shouldnt say that as XXXX not going to have a great day.
After I got off the phone, I went through my husbands inbox and there was a confirmation of the XXXX set up in XX/XX/XXXX ( sent by email ) and it stated that The start date was XX/XX/XXXX and the XXXX was to continue until the loan was paid in full. This is contrary to what XXXX told me ; that we set the original autopay arrangement to end after 3 years.
I find it ludicrous that UWM :1 ) Uses an autodialer that will not leave a message on an answering machine when the phone wasnt answered ; 2 ) Keeps no records of changes made on their website portal, 3 ) Does not stand behind what was told us by two of their employees ; 4 ) Does not try to email a customer when the phone isnt answered ; XXXX ) Contradicts itself by stating that there will be a possibility of negative reporting in the XX/XX/XXXX letter to me yet XXXX XXXX they HAD to report the late payment inferring that they had NO choice.
We are very upset that our almost perfect credit rating was so negatively impacted by this event.
|
| 07/16/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
We were due to end our covid forbearance in XXXX. XX/XX/XXXX was supposed to be our first payment.
I was contacted by UWM in XXXX and told my option was to apply for the loan modification and see what options I qualify for. I said I did not want do a loan modification, I wanted one of the options that the VA offers without having to do a standard or XXXX. I wanted to be evaluated for the disaster modifications and the VA covid 19- refund mod. the lady clearly knew nothing about any of this and said the only way to know what is available was to apply for loss mitigation. They confuse their borrowers stating that its to see what options are available under the guise of this is the only way.
I applied XX/XX/XXXX. Knowing it would be denied. And that this was going to be a waste of quite literally only my time because they do not care, and this seems like a predatory tactic they have taken on in the wake of covid forbearances. They lock you out of your account even though I stated I could now continue making my monthly payment. KNOWING that this will just keep accruing past due balances that literally are just Impossible to ever pay in a lump sum.
Things were going smoothly until all of a sudden documents were missing. I was called about needing a luxury bill so I uploaded them, then I was called almost immediately stating that I uploaded the wrong ones and to upload some kind of bank statement or credit card bill. I did that and then never heard anything again so I figured that sufficed, but of course you can not stop at that, you have to keep in contact.
I called weekly. Because my account was not going to underwriting and the documents were not being accepted. It took a customer service agent who was equally confused as to why my documents were not being accepted and just sitting in document purgatory for a month. She escalated that, and after her trying for over an hour, found out that there WAS a missing document. They wanted two different proofs of a luxury bill for me but only one for my husband but I was told one would suffice for both. There was no notification, in fact the only notification I did get was that as of XX/XX/XXXX they had everything they needed.
I will attach the documents that show all of this.
When I would call, the automated system would say that they were missing documents during this time but the reps would tell me to ignore that because it was not usually up to date. Which is wild. They would check into my account and tell me that everything was just fine, they were just waiting on the underwriters to accept documents.
The last notification I received about missing documents FROM UWM was XX/XX/XXXX. XX/XX/XXXX I received a letter stating that they had all documents necessary and never received a missing docs request again.
You can see the next few internal mod letters, these were letters stating they had everything they needed, AFTER me inquiring weekly sometimes daily, about why this process was stalled.
Finally once these documents were accepted, which also still took multiple phone calls to have it escalated because again it had been a month and a half at this point.
XXXX rolls around and sure enough I get a loan modification denial in my online portal.
I sent a complaint on the XXXX and got a phone call on XX/XX/XXXX from an account resolution specialist at UWM. He was VERY helpful in that phone call, he fixed a few things on my account and submitted it to be reviewed for the VA disaster and VA disaster extend modifications. He put me back into some type of forbearance ( that only showed up on my account for 24 hours ), while I wait for this to be processed. I was so thankful and so happy.
Then I noticed I started getting multiple statement notifications from UWM. I logged in the next day to find that my account was off forbearance and stating that the past due amount of XXXX $ was due and there was no pop-up anymore saying that your post pandemic forbearance solution is being processed. My dedicated loan specialist was also changed to someone new. When I call the automated system said they are waiting on my loss mitigation application which is nothing I ever want to do again. So I called the manager back and spoke with someone in his department, he was suppose to call me back that day, Wednesday the XXXX and did not. I figured its just the system doing weird automated things since my modification had just been denied a few days before. Thursday my account went back to what he had done. I then get 2 statements in the same day on Friday morning the XXXX. XXXX dated XX/XX/XXXX stating that they had everything they needed from me to evaluate my post covid forbearance solutions. The next one was dated for XX/XX/XXXX which is today, the day I am writing this, I find it odd that its dated in advance? Stating that I needed to fill out the loss mitigation application by XX/XX/XXXX.
XXXX. This may be just a system error I understand that. But I would have appreciated if someone would have just simply told me that so I didnt have to go on this spiral. The lady I spoke with on the phone Friday told me she had to have him call me back, he said he would in about an hour and never did.
XXXX. If this is not a system error, I know that via the VA servicer handbook XXXX XXXX. XXXX Loss Mitigation, states for the Disaster extend Modification, Evaluation of Borrower - Servicer evaluation of the borrowers financial information is NOT required for a disaster modification. So why would I ever need to send an application in again? It also states in multiple other circulars that the borrower does NOT need to submit a loss mitigation application for these modifications. Which to circle back around to one of my first few statements, is WHY I never wanted to waste my time with one in the first place. Because it has now caused more hardship than necessary.
At this point I deny any type of alternative other than a disaster extend modification or deferment of the past due balance to the end of the loan. This has caused me and my family so much hardship and turmoil. I have spent the last 3 months begging a mortgage company to let me make payments. I am a wife to a 100 % p & t XXXX veteran, I have XXXX XXXX, I work, attend XXXX XXXX, and I simply do not have the wherewithal to continue this without help or legal action at this point.
I need a solution. Like yesterday.
I told them numerous times I was able to continue making my current mortgage payment and I didnt need a loan modification. It asks in the loan modification application, can you resume making your normal monthly payments I answered yes. I dont need a lower monthly payment. I just could not/ and even more so can not pay the arrears in a lump sum since they have now added 3 more months to my arrearages.
According to the XXXX XXXX XXXX, home retention waterfall, which I was still with in this time frame when I started the post forbearance process. States that if the borrower indicated they could resume making normal monthly payments the servicer is to then offer the disaster extend modification or deferment. This clearly was not done nor offered.
I will refer this servicer once again to the VA servicer handbook XXXX XXXX XXXX XXXX Sections D and E. I wont copy and paste it, but the summary of that is, the VA Servicer is to consider ALL home retention options that allow the veteran to RETAIN their home. Attached will be my modification rejection. No where does it say I was considered for the Disaster or disaster extend modification or deferment. It then states the VA does not require this review if the borrower is, unable or unwilling to retain their home. I am 100 % able and willing to retain my home but this servicer is making it impossible to be considered for the retention options I believe I am required to be considered for.
I will however paste this from the servicer handbook, The servicer should not require a substantial sum from a delinquent borrower unless there is ample justification. It is inadvisable to encourage a delinquent borrower to obtain funds from another means for a payment to cure the default on the loan. The additional burden of installment payments on such a loan is likely to worsen the already difficult financial position, and increase the possibility of future default on the mortgage.
If we are unable to get what I believe, to be certainly doable modifications, I will have no choice BUT to seek a personal loan. In the event that United Wholesale Mortgage can not figure out the proper way to treat my family who suffered at the hands of covid in a way I wish upon no one, I will have no other choice but to get a personal loan to pay off this covid-19 forbearance amount. Which in my opinion, them stating that a lump sum or foreclosure are the only options, is a great way of telling someone that will do everything to keep their home, that they need to go find XXXX $ somewhere. I can not see their ample justification for a lump sum sufficing when they again, never considered for me all loss mitigation options.
I will also at that point 100 % be seeking legal action, due to the obscene amount of emotional distress and financial damages this will and has caused my family.
I am not trying to slam the manager at UWM who HAS been helpful, I understand he cant contact me on a whim and whenever I demand. He truly was so helpful when i talked with him, BUT I am trying to escalate this before XX/XX/XXXX comes around, and yet another past due amount will tack on to my account. Since clearly whatever their system is doing, is NOT working. This is completely unacceptable that I have been trying to make this right since XXXX. These servicers are not being held accountable.
The following is to make clear and have in writing, so that other people can see. Because it was very hard for me to find this information and I want it to be known.
United Wholesale Mortgage is owned by XXXX XXXX, operating as XXXX XXXX. The Manager that I have been speaking with is with XXXX XXXX. I want to make it clear that I have done ample research about how XXXX XXXX XXXX have handled government backed loans post covid forbearance. According to an XXXX report done by the Office of Inspector General , RECENTLY posted on XX/XX/XXXX, We selected XXXX after completing a risk assessment in XXXX that identified a significant volume of delinquent loans with prior XXXX forbearance in its portfolio and based on our awareness of complaints made about XXXX to the Consumer Financial Protection Bureau and the HUD OIG hotline . While this audit was specifically for FHA borrowers, I am sure if they were to include all Government backed loans it would be an absolute blow out of mishandled post covid forbearance loss mitigation cases.
Nearly half of the borrowers did not receive the correct loss mitigation assistance.
More than one-third of the borrowers in our sample projection received the correct loss mitigation option ; however, XXXX did not correctly follow XXXX loss mitigation guidance for these borrowers.
To conclude, I want to just be very clear that I am thankful to the manager who helped me, but I need further escalation at this point. It should not need to take another 30 days to see if I qualify for the Disaster extend modification, I do qualify based on all the circulars and VA handbook guidelines. I can tell you myself, I qualify. Which is why I told them I know I wouldnt qualify for a standard modification.
I also want to be sure that there will NOT be any negative reporting to my credit.
I appreciate the ability to have a space to bring these concerns to, I hope my situation can be remedied.
Thank you.
|
| 10/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
|
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I have until XX/XX/XXXX to have a resolution to this matter presented to the courts. Otherwise, I am court mandated to place this property up for sale. This matter is time sensitive!
I originally sent the XX/XX/XXXX e-mail to XXXX XXXX. XXXX, I am updating it to reflect additional detail.
From : XXXX [ XXXX : XXXX ] Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX, XXXX XXXX Subject : [ External Email ] XXXX XXXX - Loan # : XXXX - Assumption - Complaint & Request For Call-Back From Supervisor on Assumption Team United Wholesale Mortgage XXXX XXXX XXXX on or about XX/XX/XXXX, I have been working with XXXX XXXX XXXX XXXX Assumption team relating to my express interest and application to assume my existing loan with UWM. In short, my goal/request is to remove my, now, ex-wife, from my existing home loan with UWM and assume the loan in it's entirety myself.
Early in the process, XXXX provided me with a direct number to her, XXXX. I have sent dozens of e-mails to XXXX directing them to her, the Assumptions team, management, and provided my cell phone. Within the first 30 days, XXXX was reasonably responsive. Since then, it has been an exceptionally terrible experience. This is sad for many reasons. I am an excellent customer with UWM. I pay my mortgage payments in full and on-time. I've never had any issue and only great things to say about UWM previous to the Assumption packet process.
I have requested multiple return phone calls from XXXX and weeks go by without any return correspondence whatsoever from her ; via e-mail nor a call. Even when communicating in my e-mails that I have time-sensitive / urgent matters and questions while also informing her that I must provide an update to a judge within XXXX weeks, XXXX week, 1 day, the day of court, XXXX refused XXXX contact me. This left me with the hardship of having to show my e-mail correspondence and call logs with UWM to the court to verify that even though months were passing by, the lack of an answer to my Assumption application was not due to my sitting idle, instead it was due to XXXXUWM refusing XXXX communicate with me in a timely manner. Furthermore, any documentation or anything else that XXXX or the underwriter had requested of me, I always submitted within 48 hours.
Only after exhaustive efforts in redundantly calling in on last Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX, and Friday XX/XX/XXXX, escalating to your 'Escalation ' team in prompting XXXX XXXX XXXX call me was I able to receive an update. Someone on a different team notified me that my Assumption packet had been denied, but could not log into the necessary systems to open the 'Denial ' letter to provide me with the rationale behind the denial. Only at XXXX XXXX, on XXXX, XX/XX/XXXX, did I hear from XXXX. In short, XXXX waited from XXXX until XX/XX/XXXX to respond to me in any manner.
Previous to the Denial notification XXXX informed me that I was conditionally approved through underwriting with the XXXX exception that I had to verify with underwriting that I had the liquid assets to satisfy the requirement in my Divorce decree stating that I had to pay my ex-wife $ XXXX due to her for her equity in the home. In my efforts of communicating every step of my remedy to XXXX, initially, I was going to borrow $ XXXX from my XXXX. That was going to result in a payment of {$970.00}. In addition, I disclosed to XXXX that I was also interested in taking out a HELOC loan for $ XXXX with my local credit union The HELOC payment would be $ XXXX. $ XXXX + $ XXXX = $ XXXX. My other liquid assets ( XXXX stock & crypto accounts, XXXX XXXX checking, and my XXXX checking. ) more than satisfied the remaining $ XXXX due to my ex. When reviewing all of my liquid assets as a whole I had more than the $ XXXX to satisfy the court order to pay my ex the $ XXXX in her due equity.
In short, per the e-mail below, XXXX confirms in writing that that my debt and/or debt-to-income ratio would be fine in taking on new, additional monthly payments of {$1500.00}, that my debt / debt-to-income ratio would be, and I quote, totally fine.
However, as things evolved. I decided to NOT borrow any funds from my XXXX. Acting in good faith that what XXXX had told me was from the underwriter and valid, I borrowed $ XXXX from XXXX via a HELOC with a monthly payment of {$780.00}. I sent all of the verification documents inclusive of the Terms & Conditions and verification that the funds were in my account and also verification of the monthly payment due.
As you can clearly see, the monthly payment of {$780.00} for the HELOC that I decided to move forward with is significantly less than the {$1500.00} monthly amount that I had just previously discussed with XXXX. XXXX stated that my debt-to-income ratio would not be an issue with underwriting, per ( I trusted ) your underwriting team.
I also included a XXXX ( my employer ) statement showing my held commission ( $ XXXX ) with XXXX that is due to me. I expect this all to be paid out before end of year. I requested that that be sent to your underwriting team.
When I opened up the denial letter, finally sent to me via e-mail, to my complete surprise, I learned that I had been denied due to my 'Debt-to-income ' ratio, per an escalation team rep. My surprise was related to a number of factors. First, I know that my income far exceeds what I owe, my liabilities. I have much more coming in that what I have going out monthly. As my credit scores, and payment history with UWM reflects, I make my payments in full and on time. More importantly, on XX/XX/XXXX, I had just brought this very issue to her attention. Per the attached e-mail correspondence below and also attached, I had instructed XXXX to engage UWM 's underwriter with my following question : My question for your underwriter is : Would UWM approve me in assuming my existing loan with this additional {$1500.00} ( {$970.00} + {$570.00} ) monthly payment for these loans?
Per the below response from XXXX, she clearly states that my debt & debt-to-income ratio was not of concern. Believing the very same thing and also my after receiving confirmation from your underwriter BEFORE I acted, in good faith, on it with a third party lender. I moved forward with the HELOC loan from the third party lender. As you are aware, your customer has no direct communication with your underwriter. I understood and trusted that XXXX response to my inquiry was coming directly from your underwriter as, again, my instruction was for her to engage the underwriter with my inquiry before I acted on it. To go on, before acting on this, I did speak with XXXX over the phone to which I had reiterated that I wanted to make sure that before I signed for an additional loan ( s ), that it was not going to result in a denial from UWMs underwriter. Again, I was told by XXXX that I was, totally fine.
Since this time, I have called in working with your Escalation team and have been requesting a phone call from a member of management on the Assumption team. The Escalation team Reps have also informed me that they have requested this phone call from a member of management on the Assumption team on my behalf. Today is XX/XX/XXXX. To date, I have yet to receive my redundantly requested phone call from a member of management on the Assumption team.
I wish to discuss my entire file with a member of management on the Assumption team. I want to ensure that every document that I had submitted to XXXX XXXX was added to my file and taken into consideration by UWMs underwriting team. To go on, lots has changed since XX/XX/XXXX. I have additional liquid assets, I have paid off a $ XXXX credit card, etc. Additionally, I keep being told that there is an appeals process but that the manager from the Appeals team will have to inform me of it. How am I supposed to know the appeals process if I can never receive the phone call from that member of management. Please have a member of management on UWMs management team call me to further discuss this matter, ASAP.
I have until XX/XX/XXXX to have a resolution to this matter presented to the courts. Otherwise, I am court mandated to place this property up for sale. This matter is time sensitive!
Tue, XX/XX/XXXX XXXX pm XXXX, XXXX.
I am still wanting to pursue the Assumption process.
With this information, I am going to change gears a bit.
I inquired with my XXXX XXXX, my XXXX provider. I ca take out a loan against my XXXX. The max amount I may loan is $ XXXX. The monthly repayment amount would be {$970.00} If I do a HELOC loan for $ XXXX, the payment would be $ XXXX.
I would be able to pay $ XXXX from my XXXX XXXX Checking account This would total the $ XXXX needed to pay the equity due to my ex.
My question for your underwriter is : Would UWM approve me in assuming my existing loan with this additional {$1500.00} ( {$970.00} + {$570.00} ) monthly payment for these loans. I have no concerns in paying them.
Thank you.
XXXX XXXX XXXX, XX/XX/XXXX XXXX am Good Morning XXXX, Yes that would be totally fine, that shouldnt do much to your debt to income ratio. They will want to see the terms and conditions of the XXXX loan and HELOC loan to verify the monthly payments and etc.
Again, sorry for this hassle. I appreciate your patience.
Thank You XXXX XXXX Assumption Dept In conclusion, just as I have requested for months now, I am again requesting a return call-back from a Supervisor in the Assumption department as soon as possible. I understand that there is an appeal process. I have questions pertaining to the appeal process and also other additional questions to which I would like to speak over the phone with a Supervisor upon. Furthermore, if the denial is final, UWM has caused me egregious financial damages and past, present, and future hardships. I am requesting further review. Lastly, there are also some changes that I need to be considered by UWM including, but not limited to : My father has provided me with a gift of $ XXXX to which I have paid off $ XXXX in debt owed on a XXXX credit card, bringing that balance to {$0.00}. This would impact my debt-to-income ratio.
I tried to bring this to XXXX attention, but since early XXXX to date, she has yet to return my call. I was told from other representatives all last week and by XXXX, via e-mail, on Friday that a manager would be calling me. It is XXXX PM on XX/XX/XXXX and XXXX nor a manager has returned my call.
You may reach me on my cell : XXXX.
Thank you.
XXXX XXXX
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| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage ( UWM ) has been using false claims, miscalculations, fake accounting, lies and no customer support or response to complaints in order to not pay over taxes XXXX escrow and overcharge us over XXXX in order to create a situation where we can not keep up with our mortgage payments so they can foreclose on our house.
UWM has miscalculated our escrow payments and are charging us {$1100.00} in excess every month. This has caused us to go into overdraft for 3 months in a row, accumulating numerous overdraft fees.
We have spent 6 months continuously working to prevent UWM from bankrupting us, including the following actions : 1. WE HAVE DEMANDED AN OFF-CYCLE ESCROW AUDIT FROM UWM. We notified them of their error for on XX/XX/XXXX. UWM did nothing. We notified UWM via email again on XX/XX/XXXX. They said they would have an answer within 6 weeks. They never answered. We contacted the XXXX XXXX XXXX XXXX in XXXX and THEY CONFIRMED UWM 's TAX ESTIMATE WAS WRONG, but UWM again did nothing to correct the error, " because you didn't request an off-cycle escrow audit '' their agent said.
Our accounting of UWM 's ESCROW calculation, which were verified by their staff over the phone, has been emailed to them multiple times ( dates included above ) and are outlined as follows : A. As confirmed by the XXXX XXXX XXXX XXXX, we will owe approximately {$23000.00} in property taxes for the XXXX billing cycle, which can be confirmed this by looking at the XXXX XXXX Property Tax Web Site, XXXX XXXX XXXX. By adding the supplemental bill for XXXX to the secured bill for XXXX, you will get the anticipated secured tax bill for the XXXX cycle. Because the property was sold to us in XXXX, the bill was issued in two parts that year, as a secured and a supplemental bill. In the future, there will be no supplemental bill, only the secured bill ( which will be for the total I noted ).
B. We will owe approximately {$2100.00} in homeowner 's insurance. Combining this with the property taxes yields a total escrow account need of {$25000.00} for the XXXX billing cycle. Dividing this amount by 12 results in {$2100.00} per month that needs to be collected as escrow.
C. UWM is charging us {$3200.00} per month in escrow. That is {$1100.00} more per month than they should be charging us. Even accounting for possible increases in the tax rate, they are still charging us over a {$1000.00} more per month than they should be.
2. WE HAVE DEMANDED THAT UWM REIMBURSE US OUR ESCROW ACCOUNT FOR THE {$220.00} IN LATE FEES THEY AGREED TO PAY IN WRITING.
We had to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding UWM 's refusal over XXXX in taxes in XXXX despite our repeated requests. Finally, they did pay the bill, one of them LATE. This incurred a {$220.00} penalty. UWM ASSURED US IN A LETTER SENT BY MAIL ( INCLUDED ) THAT UWM WOULD PAY THIS PENALTY, but instead UWM took it out of OUR escrow funds. I have attached the letter UWM sent to the CFPB, in which UWM assured us they would be paid the fine. We have attached the bill showing UWM charged us the money from our escrow account. DESPITE REPEATED CALLS, UWM HAS NEVER REIMBURSED US THIS LATE FEE, WHICH THEY TOLD THE CFPB THEY WOULD REIMBURSE TO US. UWM has never even replied to this complaint or acknowledged it in any way. UWM lied to us and to the CFPB.
In the letter to the CFPB, UWM even said they would send us a {$25.00} Visa gift card because of all we had to go through to get them to pay the tax bill as is their obligation under the escrow agreement. They never sent us anything. I refer to the attached letter that UWM send to CFPB regarding our case ( included in attachments, in which UWM made that commitment.
We have begun applying for a refinancing of our loan in order to get away from UWM 's depredatory banking practices ( today XX/XX/XXXX ). XXXX XX/XX/XXXX, we sent them another email letter of complaint ( included in attachments ) and we spent several hours on the phone, which was cut off after a lengthy explanation was given for our complaint ( which has happened at least once every phone call we have ever made to them ). We had to repeat the lengthy wait times and complicated explanation again to another UWM staff member. After over an hour ( much of it lengthy hold times ) we were told nothing could be done ( which is also the statement we are given over the phone every time we've called ( phoning records available ). After much aggressive insistences by us to speak with a higher up and resistance/refusal by UWM ( also a consistent and chronic experience during phone engagements with UWM ), they agreed to have a manager call us back XX/XX/XXXX the next day. Nobody ever called, which again is typical of their fake customer service*.
[ [ [ [ *On a previous occasions we did receive a call back from managers, but we ourselves were not available to speak at the time and the number that they left us to call them back was not their direct line, but the general phone line that we always have to call and the only one they ever provide, that involves dropped calls, lengthy wait times and unhelpful ; disempowered staff. Again we called the number and repeated our attempts to explain the escrow issue with the same routine of lengthy wait times, laborious phone tress and aggressive debates with unknowledgeable, disempowered UWM staff. Again after hours of frustrating, redundant efforts we were told a manger would call us back. This time we were available to speak with the manager when he called. He was distracted, ignorant, unable to understand the problem, and ultimately unhelpful except to redirect us to another completely different apartment by email that was not listed anywhere. We emailed the department, and we received no response. The process we went through to follow up on their lack of response would take paragraphs and we had to gather much documentation from XXXX XXXX XXXX XXXX that UWM already had ] ] ] ] *.
It is clear that UWM is practicing a well documented practice of intentional theft and cover up through miscalculation, false accounting, obfuscation and fake customer service. They wear their customers down by burdening them with having to figure out and document how they are being driven into bankruptcy by UWM 's maneuverings to not fulfill their financial obligations to pay taxes, and illegally increase their customers ' mortgage payment so high that they can not pay them and then foreclose on their house. Not until we involved the CFPB has UWM ever taken any action to resolve or admit to their malfeasance ( which they call " an inadvertent oversight '' ), and even then they took that opportunity to unjustifiably raise our mortgage payments through the same malpractices they used before to avoid paying over XXXX in taxes ( the complaint to the CFPB regarding this issue on file under this same login with CFPB ). Through false accounting, wrongful increases in mortgage payments, cover up and providing no way to speak with someone who could resolve their overcharges and underpayments, UWM is intentionally creating situations where they can foreclose on our house.
UWM should be audited, sued, its directorship fired, and restructured. We will certainly pursue class action lawsuits and seek to support others who are being similarly driven to foreclosure due to UWM 's criminal endeavors.
In summary : We have been calling and emailing UWM multiple times a week since XX/XX/XXXX, but all of our communication with UWM ( including multiple phone calls and emails ) have been ignored, laborious, frustrated, cyclical and otherwise thwarted. Concerns addressed in emails have never been responded too and employees who answer the phone, drop calls, enact lengthy wait times ( while confirming that we are correct that UWM is in error ), then insist they can be of no help and redirect us cyclically through unhelpful managers and email addresses that never respond.
This is the second time in 6 months that we have had to file a complaint with the CFPB against UWM. The first time it was because of their refusal to pay XXXX in property taxes due their claim that we lacked adequate funds in our escrow account, a claim which was demonstrably false. We only got them to pay those taxes ( late ) by involving the CFPB and they docked our escrow account to pay their late fee even though they made a commitment in writing ( included ) that " any penalties associated with late payment of this ( tax ) bill will be covered by UWM and not billed to your escrow account ''. Now they have falsely recalculated our escrow payments and they are overcharging us unsustainably. If they had succeeded in their previous attempt to not pay our taxes ( making us pay them instead ) then they would have bankrupted us and foreclosed on our home. If they succeed this time in overcharging us for escrow they will also achieve the same end. My wife ( XXXX XXXX, the loan mortgage account holder ) has become suicidal in the last weeks of these proceedings.
UWM is overwhelming our resources with their bureaucratic obfuscations, continued nonresponsiveness, overcharges and failure to pay property taxes on time and correctly. We have spent over 200 hours figuring out and documenting their false accounting of our escrow, mortgage accounts and property taxes. We are in our third month of overdraft due to their over charges and my wife ( whose salary pays the mortgage while I care for our two special needs autistic children ) has become suicidal and unable to cope with them directly.
Only after involving the CFPB has UWM ever addressed our concerns directly and then they continued to create situations where they over charge us while they retain our excess escrow funds and refuse to pay taxes they are obligated in writing to pay.
We are asking the CFPB to : 1. Compel UWM to immediately correct their mortgage and escrow calculations and stop overcharging us.
2. Compel UWM to immediately refund the amounts theyve been overcharging us since XXXX.
3. Compel UWM to pay all federal and state property tax late fees and our overdraft fees accrued due to their errors.
4. Compel UWM to pay the cost of refinancing our mortgage with another company, an endeavor we have undertaken as a means of protecting us from UWMs depredation.
Thank you very much for your consideration.
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| 10/22/2020 |
Yes |
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- Trouble during payment process
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Web |
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There are so many fraudulent actions with the funding and or sale of this home. I do hope you can find someone who can help me out of this nightmare and get my money refunded to me as well as my credit rating restored. This home purchase has cost me a lot of money to move in and out in the few months I lived in the home.
Please contact me at XXXX cell phone or my email XXXX or my mailing address : XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. I have many documents, invoices, pictures to share that I have not included with the complaint. I can and will however, provide them as requested to resolve this nightmare.
I feel Mortgage Fraud has been committed in my purchase of a home in XXXX, TN. I closed on the home XX/XX/XXXX and fled the home the beginning of XX/XX/XXXX. After the undisclosed deteriorating conditions of the home. I apologize for the long description and list of parties involved. There are several deceptive people/companies involved.
I am scared to live in the home due : to a faulty gas water heater located in the attic above my bed in the master bedroom that has been having issues since XX/XX/XXXX.
A huge crack in the brick stucco that is getting worse since I moved in. The inspector noted this in his report.
I have a warranty however, the warranty company has not replaced the gas water heater and I have not heard from them since the beginning of XX/XX/XXXX.
No XXXX XXXX monitors in the home The Original smoke alarms from at least XXXX missing XXXX receptacles in the master bath with a jacuzzi tub and other downstairs bath.
The home had all original XXXX appliances ; and the seller offered a {$480.00} warranty to cover, heater, ac unit and water heater to which the warranty company has not replaced or repaired.
The units are in the attic and maintenance on these units is questionable.
The property is located at Te Seller was XXXX XXXX and XXXX XXXX ( I never met Mrs XXXX ) they are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX a Tennessee XXXX XXXX XXXX. I have not been able to locate a business License under this name. Nor was she involved during any of the sale of the property.
Sellers realtor is the same as XXXX XXXX although different business name : XXXX XXXX, XXXX XXXX XXXX XXXX. There is no business license for this company even though Mr. XXXX has a real estate license XXXX and reported the firm License as XXXX. His website is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I.D . # XXXX - XXXX XXXX XXXX XXXX XXXX I.D . # XXXX Mr XXXX wrote the HOA Information as unknown on the sale contract. I tried to contact him as I needed to install a fence for my two dogs. I sent him a few emails requesting HOA info and he replied to about 3 of my emails, until he got irritated and blocked my emails. I believe he was aware of the problems and poor condition of the home and relied on the rental history for the previous 3 years non disclosure history to hide the facts of the home condition. He owned the property since XXXX and before. Mr XXXX XXXX ( attorney ) and Mr XXXX have been in business for years as Mr XXXX processes the Restrictive Covenants for Mr. XXXX businesses in XXXX, TN. Mr XXXX being the said owner should have maintenance records for the heater/ac units as well as the Defective Gas Water Heater which is located in the attic of the home right in the master bedroom. Right after I moved in there were noises coming from upstairs on the left side of the home where the inspector noted cracks in the brick work. There is now a huge gap extending from the window in the backyard to the side of the home. The gas water heater has been out several times since XX/XX/XXXX with the final contact with the Seller provided warranty company, ordered and paid by My Realtor XXXX XXXX, in XX/XX/XXXX. The repair person came out several times during the month of XX/XX/XXXX, he would light the pilot then the next day no hot water again.XXXX XXXX XXXX left me with no hot water over the weekend several times in XX/XX/XXXX and longer to which I finally l left the home the beginning of XX/XX/XXXX.
My realtor was XXXX XXXX who claimed she is an Accredited Buyers Rep. The firm she works for is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. Phone is XXXX. I contacted her via the web as I was 5 hours from XXXX, tn. She showed me a few properties via XXXX ( XXXX ) I had not physically seen the home until a few days before closing.
The titling attorney is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX.
XXXX, TN XXXX. Mr XXXX has been in business as Mr.. XXXX attorney for several years. Mr XXXX office was the closing agent for the real estate sale. I was informed by XXXX XXXX, my realtor and my loan officer ( XXXX XXXX ) of XXXX XXXX XXXX XXXX, Mr XXXX is on a list of approved closing agents for XXXX XXXX and I would have to use him for the closing. ( I am from California and have always used a titling company for closing ). Mr XXXX office created the XXXX XXXX XXXX XXXX as well as the incorrect warranty deed to me. Mr XXXX took out monies for a HOA that has been inactive from at least 2 years and I have never been reimbursed for these funds. I brought this to the attention of My Realtor XXXX XXXX. Commissions were paid to XXXX XXXX ( seller/realtor as well as owner of the property ). Seems like double dipping to me. I received notarized copies stating Mr. XXXX notary witnessed all signatures. I remember Mrs. XXXX was not at the signing, nor was the notary XXXX XXXX.
The notary is XXXX XXXX XXXX XXXX XXXX XXXX expires XXXX and is employed by XXXX XXXX aka XXXX XXXX, who committed perjury as XXXX XXXX was not in attendance during the signings and I do not remember Ms XXXX being in attendance. I provided Mr. XXXX with my drivers license and social security card. I signed all the paperwork with Mr. XXXX, XXXX XXXX and XXXX XXXX in attendance.
XXXX XXXX XXXX XXXX XXXX XXXX is XXXX, XXXX XXXX - XXXX dated XX/XX/XXXX at XXXX XXXX at a premium of {$520.00} paid by me for an incorrect warranty deed XXXX XXXX, My Inspector Detailed Home Inspection XXXX XXXX XXXX, XXXX TN XXXX phone number XXXX inspected XX/XX/XXXX noted the cracks outside the window in the backyard as well as the condition of the 15 year old appliances. It was not noted the lack of GFCIs in the bathrooms, nor the lack of carbon monoxide monitors and the ( old ) yellowed smoke alarms downstairs.
XXXX XXXX XXXX Case no. XXXX, reported as deed book 748 page 812 XXXX XXXX XXXX XXXX XXXX tn XXXX actual property address for this deed book listing is XXXX XXXX XXXX, XXXX tn XXXX Mr. XXXX inspected XXXX XXXX XXXX, XXXX TN that sold on XX/XX/XXXX. My property is XXXX XXXX XXXX XXXX, XXXX tn XXXX prepared by XXXX XXXX. He listed the wrong parcel number, neighborhood boundaries, and descriptions. ; The lot information is incorrect, not sure about the XXXX map XXXX with a map date of XX/XX/XXXX. Although the appraisal is {$150000.00} which is conveniently {$1000.00} over my offer price. Home built he listed as XXXX correct build date is XXXX he also claims he is not a home inspector and the inspection was performed visual and to accessible areas only and from then on his report is based on the wrong property. The attic view is not located at XXXX XXXX XXXX XXXX. He also claims XXXX XXXX XXXX, certified appraiser XXXX contributed in the analysis although Mr. XXXX did not inspect property. XXXX XXXX certified appraiser XXXX is responsible for the final determination and contents of this report. And he included the Tennessee XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ID XXXX expires XX/XX/XXXX not the License for XXXX XXXX.
The original mortgage company was XXXX XXXX XXXX XXXX and my Loan officer was XXXX XXXX. At the last minute, the closing date was changed and I was told by XXXX the appraiser had made a mistake and had to go back and compare one more property. They included a payoff for one of my credit cards that was paid off way before the closing of the loan. Even though I sent an email with a XXXX balance to XXXX on XX/XX/XXXX. I also complained they inflated my gross Social Security Income in order to create an acceptable loan. However, I was set up to fail as the mortgage payment was more than half of my net Social Security income and they did not account for any repairs, utilities, etc. I had been working with my loan officer since XX/XX/XXXX and provided her ( XXXX XXXX ) with my income and tax returns several times. The final loan paperwork required a {$10000.00} plus down payment. I only had about {$30000.00} in the bank at the time of closing.
My loan was sold to United Wholesale Mortgage and I have contacted them to report mortgage fraud. UWM started Loan Modification procedures to which I had to contact them again in XX/XX/XXXX to clarify I am not looking for loan modification but I want this investigated for mortgage fraud. As of the date of this letter, I have not heard anything regarding the investigation. The mortgage company sent me collection notices from a XXXX XXXX? Mortgage company.
LOAN DETAILS LOAN NUMBER, .... and a MATURITY DATE XXXX/XXXX/XXXX INTEREST RATE 3.0 % I have reached out to XXXX Tennessee Legal Services as well as an attorney in XXXX, TN and they both suggested I hire an attorney elsewhere. I placed a review on the XXXX, TN website regarding the fraudulent appraisal report to the original loan company and XXXX XXXX from XXXX XXXX XXXX replied once saying I had a HUD approved Appraiser and I informed them the report their HUD Appraiser provided was the wrong property and have not heard anything else from the original loan company.
I feel I have been taken advantage of by so many people involved in this home buying nightmare. My savings and credit rating have suffered immensely.
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| 02/26/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Im writing to express my deepest frustrations. I am a new customer a Veteran. I refinanced my VA loan with XXXX XXXX XXXX ( XXXX ) in the fall of XXXX and I have had nothing but problems since that time. What I thought was going to be a great experience, utilizing a VA home loan, has turned out to be nothing short of disastrous and frankly, incredibly disappointing. The refinance process was seamless and the close was as expected, uneventful. Then the problems began. As expected, I received my first billing notice for my first mortgage payment in XX/XX/XXXX. I paid that bill on time. I have paid every monthly billing since loan inception, on time. XXXX XXXX, I started receiving no less than 10 pieces of mail each week about how I missed a payment and was behind. On top of the excessive amounts of mail, I began receiving excessive amounts of phone calls - collection calls - about a late payment. Out of fear that something had happened to my account, I reviewed my banking records carefully and was concerned that maybe I inadvertently paid my prior lender my XX/XX/XXXX and XX/XX/XXXX mortgage payments. I verified that I did pay XXXX, as required, and every payment had been made timely. I have confirmed this with every customer service representative I have spoken with.
I called XXXX and verified that both of those payments were received timely and had been applied to my account. At no time during that initial call was I made aware of a billing error on UWs part. Then, in late XXXX or early XXXX, in one of the far too many letters and phone calls I was receiving, one such letter ( see attached ) advised me that XXXX had made a billing error and that my first payment should have been made in XXXX, rather than XXXX, as XXXX billed. In fact, XXXX sent me a letter via XXXX with two {$50.00} XXXX gift cards for the inconveniences XXXX had caused me. I have spent countless hours on the phone on hold then being transferred from department to department within XXXX trying to understand my mortgage and the XXXX error. In XXXX, I finally demanded my call be escalated and I spoke with a Supervisor XXXX who was the first person who actually tried explaining to me and working with me to understand what the confusions was. To my surprise, XXXX advise me that I should just double up on my mortgage to overcome this XXXX error to get my mortgage caught up. The nerve! I was caught up. I advised XXXX that I was a single mother, veteran and it was right before XXXX. The thought of doubling up on a mortgage was scary because, frankly, who can afford to do that during the holidays? Rather than XXXX making an honest attempt at fixing their error such as offering to modify the loan to extend it out one month to accommodate their billing error - suddenly I found myself on the receiving ends of demands to make double payments. I offered to add more into my monthly payment to get this issue resolved within 6 months and I was told in no uncertain terms that that would not work, additional monies each month would not get captured in XXXX systems correctly and would simply be added as additional payments toward the principal of my mortgage. So, I find myself getting excessive amounts of unwanted and unnecessary calls and notices that my mortgage is in default. This is Absurd when it has been a documented UW error, not mine. Each time I have called XXXX, I have waited on hold for more than 1 hour. On two occasions, both calls lasted more than 2 hours. Who has this kind of time to address a highly profitable lenders clerical mistake? Each time I have called I have reminded the XXXX employee that I am a Veteran, single mother, and that I have felt taken advantage of. Apparently XXXX does not care. Eventually, I agreed to make an additional payment by XX/XX/XXXX to resolve XXXX mistake.
I have been advised multiple times via phone that this has been captured on my account and, in fact, Ive also asked each time to ensure that no negative reports would be made to the credit bureaus and that no late fees would be assessed to my account as this was clearly XXXX billing error which theyre trying to cover up and make me pay for. I was and have been completely disappointed in XXXX billing practices and customer service.
Recently, I decided that I would take advantage of the two {$50.00} XXXX gift cards ( # XXXX / # XXXX ) which XXXX sent me as a small token for UWMs billing error. The letter clearly states that the cards were active upon receipt so I thought nothing of it and placed the cards in my wallet. I attempted to use these cards at various locations such as the grocery store and gas stations, each time they were both declined. XXXX completely embarrassed me publicly on multiple occasions due to these bogus gift cards! Were they both intended for public humiliation? On a whim, I called the number on the back of each and both were empty and had no balance. The nerve of XXXX to make a significant billing mistake, offer no conciliatory remedies other than a demands to double up on my payment followed up by repeated loan default demand letters and make matters worse by sending me two bogus gift cards as tokens to compensate for billing errors. XXXX customer service representatives, robo calls, stationery and postage has wasted more time and money than the cost of one of my mortgage payments all in an effort to correct their billing mistake.
I am incredibly disappointed and will be sure to tell my XXXX friends ( and anyone else who will listen ) that XXXX is NOT the lender to go to. This seemingly simple mistake could have been resolved in a much better manner. In fact, why not extend the mortgage out 1 month rather than forcing me to pay double for UWMs mistake? This is absurd! UWMs incompetence in accurate billing has been emphasized by their incompetence to appease a customer. Bogus gifts cards to cover up a billing mistake speaks volumes for your business. I have done nothing but waste my time with XXXX and I look forward to moving my loan elsewhere to a lender who truly cares about their customers, XXXX At the earliest opportunity, I will do so. If this is the way XXXX treats its XXXX customers, XXXX definitely does not deserve my business.
Your account servicing and customer service procedures are less than stellar!
I am an Incredibly disappointed customer.
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| 05/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hello To whom it may concern : I am submitting a complaint against United Wholesale Mortgage ( NMLS Access Number XXXX ) Three months ago I switched banks, and transferred all of my bills over to my new bank account.
One of these accounts was my mortgage lender United Wholesale Mortgage.
Today ( XX/XX/XXXX ) I logged onto my portal ( https : //uwm.loanadministration.com/ ) and saw a message which said I was 60 days past due, there was a list of late fees and bounced check fee 's, it said I was unable to access auto pay or payments, and I had to call customer service to make my payment.
I had no idea there was a problem, as no one from UWM had reached out to me over the last three months to inform me.
There were two bank accounts listed on my account, the new one, which I added, and all of my other bills are currently auto billing, and my old one, which I no longer use. The new one was listed as " Favorite '' and there was no option to change that. The old one, which was below it, had an option to make it the " Favorite '' account.
I received no communication from UWM about my account being past due.
I called the number listed at XXXXXXXX XXXX, Tuesday, XX/XX/XXXX I spoke with XXXX in collections ( Employee ID # XXXX ) on a recorded line, and he asked if I wanted to make my account current. I asked him which account he would be billing and he listed the last four numbers of the NEW bank account, which I added three months ago. He informed me there was negative credit reporting because my account was past due.
I asked him who I needed to talk to negative reporting reversed, and he said I had to send a fax to a number. I asked him why there was only a Fax number, and not a phone number or email address for this, but there was for submitting payments and he did not have an answer for me. He repeatedly asked me if I would like to bring my loan current and I told him I would, once I talked to someone who could explain to me why there was negative credit reporting on my account. He told me he was transferring me too someone who would resolve the issue He transferred me to XXXX in customer service ( Employee code XXXX ) She told me my old bank account was listed as my auto pay bank account, and she could not see the new one I added. This was confusing, since not only was the new bank account listed on my portal, but minutes earlier, when I asked XXXX ( XXXX ) which bank account was listed, he read the last four digits of the account number, without me having mentioning any numbers earlier, so it clearly has to be in there system somewhere. I'm also pretty sure all of these conversations were recorded on their end.
She told me she put in a request for the credit reporting team to research it, and said that they probably wouldn't reverse it. She asked me if I wanted to pay the past due balance and I asked her multiple times to transfer me to someone who could address the Credit Issue.
She sent me to XXXX in resolutions ( XXXX code XXXX ) and he told me a ticket had been submitted, and I would hear something by XX/XX/XXXX. I asked him if I Could pay my past due balance with him, and he said no, I had to pay it with someone else, and transferred me to an automated phone system, which eventually hung up on me as I was entering my account number.
At XXXXXXXX XXXX, I called customer service, and XXXX ( Employee ID # XXXX ) told me my account was past due, and she told me to pay it online. I told her the reason I was calling, was because when I attempted to pay it on the portal, a message came up that said I had to call the number to make a payment manually with an agent.
I told her I wanted to bring my account current, with the bank account ( NEW ) which was not only listed as the current bank account on my end, but also that XXXX ( XXXX ) listed as my bank account on file less than 90 minutes earlier. She said only my old bank account which I no longer use was listed on her end.
I had the UWM portal ( https : //uwm.loanadministration.com/ ) Which listed my updated bank information, which XXXX ( XXXX XXXX was able to see. I took a screenshot on my XXXX as evidence of this while on the phone with her, and I'm pretty sure apple does something to track the time. I gave her the information, which was already on file, again and gave her permission to bring my account to current.
I asked her ( XXXX, XXXX ) for a confirmation number, and she said she was unable to provide me with one, but that I would be receiving a letter in the mail in the next seven business days ). I have no idea if or when this payment will be processed.
I very clearly asked her her for UWM 's FDIC certification number three times, as I was attempting to file a complaint with the federal banking commission. Eventually she said she would ask her supervisor. She returned to the call, several minutes later, and gave me the customer service phone number.
I told her again, I wanted the FDIC certification number since I was attempting to submit a complaint to a regulatory agency, I asked to speak with her supervisor and she put me on hold again. Eventually she came back and told me she was transferring me to the compliance department.
I was sent to an automated phone system, which was very difficult to understand, it sounded like it was asking me about mortgage insurance premiums. Eventually it hung up on me.
It seems obvious to me that there is some sort of issue on UWM 's back end, I would like the negative credit reporting removed from the beuros.
XXXX ( XXXX ) told me that I had never updated my bank information, yet XXXX who transferred me to her knew my current bank information, which was listed on the portal on my side. XXXX ( XXXX ) told me she was unable to see the new bank account on her end. But it was listed as the current bank account on the user portal.
There was so much contradiction and confusion between employees whom I spoke with. I'm also pretty sure it's a violation of some sort to allow my account to go 60 days past due and rack up late fees, without attempting to inform me.
I don't care about the late fees, I just want the negative reporting taken off my credit report.
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| 01/19/2023 |
Yes |
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- Trouble during payment process
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Web |
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I purchased my home in XXXX of XXXX with United Wholesale Mortgage ( UWM ) as the lender. The mortgage amount to be paid monthly was set at {$1300.00} per month. In XXXX of XXXX I set up an automatic payment with my bank ( XXXX XXXX ) paying {$1500.00} which was to be withdrawn from my checking account on the XXXX of every month to be sure ( XXXX ) would receive the payment in a timely manner on the XXXX of every month which would apply {$1300.00} to the minimum amount due and {$190.00} towards the principle. This was set up to continue till the end of the loan. In XXXX of XXXX, I was sent notification that my Hazard insurance was not paid and if I had not paid that insurance by a specific date then I would be subjected to " lender '' placed insurance which would be far more expensive and would offer less benefits than my original insurance company. This being my XXXX mortgage was confusing to me and I thought originally that the mortgage company was to be paying it on my behalf with funds that were in escrow. I was told that I had opted to pay for my own insurance and would be responsible to maintain the insurance separate from my mortgage. I contacted my Insurance company ( XXXX ) and paid in full for the year forthwith. Both myself and the insurance company sent out the evidence they requested to show that the insurance had not been canceled. In XX/XX/XXXX, I received a letter from XXXX that they had sold the account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and they forwarded my XXXX payment to XXXX XXXX XXXX but that my new monthly payment would be {$1500.00} which was stated on my XXXX statement from XXXX & XXXX Obviously, the increase got my attention and I called XXXX XXXX XXXX to see what happened to increase my monthly obligation. In this original conversation, XXXX XXXX XXXX claimed that XXXX had sold them the mortgage with my PIM, Hazard insurance, as well as taxes that were all to be paid out of escrow. XXXX XXXX XXXX claimed that they had not known that I was paying the insurance on my own since the beginning of the loan. However, they promised to look into the issue. In the meantime, I reached out to XXXX insurance department and it was told to me that they would send me a refund for the monies that were charged to me in error which was for the " Lender Placed " hazard insurance paid out to ( XXXX XXXX XXXX XXXX ) in the amount of {$1300.00} which they had charged me before the sale to XXXX XXXX XXXX but yet the remaining monies {$930.00} they claim was forwarded to XXXX XXXX XXXX ( which had already been taken from my escrow for the lender placed insurance ) who then claimed to apply it towards the principle of the loan. I called XXXX XXXX XXXX again to check on that and they claimed that they would refund me {$3500.00} which was overpaid since they purchased the loan but promised to do another escrow analysis which should then get it right. This is when I found the XXXX issue which I'll write about a little later. However, when they ran the escrow analysis, they still ran the Hazard insurance premiums as part of my monthly payment which failed to correct the problem. However, they now state that my new monthly obligation would be {$1400.00}. This is wrong. The problem is, who is at fault and how do I correct it. XXXX XXXX XXXX has refused to correct the issue, and state the issue was with XXXX who states they no longer service the loan and don't have the ability to help either. The facts are, I paid {$3000.00} per month since the very beginning of my loan, which was never my intention. It appears they were collecting {$1500.00} from Bill Pay on the XXXX of every month and then they were collecting another {$1500.00} from Autopay on the XXXX of every month. They claim that it is common practice for people to pay down their mortgage and since I never bounced a check, it never raised a flag to them that this was not my intention. So, here I am now in XXXX, after nearly XXXX hours of phone conversations and seem to be getting nowhere, I feel as though I need some assistance to correct the issues. This situation is causing me a lot of XXXX and cant seem to get them resolved. I can't see how this can be resolved. XXXX XXXX XXXX is adamant that they are to collect monies in my escrow for my insurance, though it has already been paid, as I had from the onset. So, here I am overpaying almost {$40000.00} in just over XXXX years, and then penalized another XXXX XXXX per month only because XXXX chose to sell the mortgage to XXXX XXXX XXXX XXXX I have tried calling both XXXX and XXXX XXXX XXXX several times since the error was noticed and as of XX/XX/XXXX I have not been refunded any money as promised nor has the account been corrected.
I don't see how this is right or legal, and would like to know how to best move forward in resolving the issue and if possible getting the monies that were collected in error, returned back to the account it was taken from. So, to clarify, I have XXXX issues. The overpayments that were paid monthly, {$1500.00} per month since XXXX of XXXX. They claim that it helped me to pay down the principle and will only help me later. My argument is that I should be able to decide that for myself and not be forced to go along with the error. How that was missed was the payments were taken usually within XXXX days of the other, which allowed this to continue for as long as it did. The XXXX issue is the hazard insurance portion of the loan. I think it is clear evidence that I was responsible for the hazard insurance from the beginning, hence the warning and subsequent charge for the lenders placed insurance which was promised to be refunded, ( yet I have not yet received ) from XXXX. Should XXXX XXXX XXXX who purchased the loan from XXXX honor the terms that were made? What would my recourse be? I feel as though this can be a much bigger issue than just myself and can really impact the average homeowner in a negative way. I am so upset and feel helpless in resolving it with the company.
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| 10/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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This is my XXXX complaint regarding the same issue because United Wholesale Mortgage did not abide by what they agreed to do in their response to my original CFPB complaint nor did they provide me with the requested documentation so that I can resolve this issue myself with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. They did not address my delinquent tax bill that they said they paid, but refuse to provide me with proof of payment so I can sort this out myself. They also said they would send me two checks totaling {$11000.00} from prior years collection of taxes that were owed to me and those checks never arrived.
I have been trying to figure out an issue with a missing tax check that should have been paid to the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXXXX/XX/2023, but get very little response or follow up from United Wholesale Mortgage ( UWM ).
XXXX secured tax payments were required by the XXXX XXXX XXXXXX/XX/XXXXXXXX in XXXXXX/XX/2023 ( See attached document " Original Secured Property Tax Bill '' ). The payments were in the amounts of {$3800.00} AND {$3800.00}. I started to received tax bills with notices and delinquency warning shortly after and have continued to because one payment was never received in the amount of {$3800.00}. I have tried to call, email, and call again more than a dozen times and UWM has still not provided an adequate response or provided me with the information I requested. This original secured tax bill is now an unsecured delinquency that has resulted in a tax lien and with fees and penalties, the amount owed now is {$4900.00}. I asked the XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX in person as to why this is happening and they explained that one of the original tax payments was not received and that it is now an unsecured delinquent tax bill. The XXXX XXXX XXXXXX/XX/XXXX XXXX only has a record of receiving XXXX payment in the amount of {$3800.00} ( See attached document " XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX '' ). They provided me with this information. They stated that if I can get a copy of payment from XXXX then we can track down the funds if they were applied to an incorrect account/parcel number. I have requested this information/documentation from XXXX several different times and they still will not provided it to me after telling me several times that they would within a couple of days. I contacted XXXX via phone again on Thursday, XX/XX/XXXX. They said they had updated information and said they had made the payment to the incorrect account/parcel number and would be requesting a refund from the XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX UWM provided me with the account/parcel number XXXX that is the incorrect one where the funds were applied. They also said they spoke to XXXX at the XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. I went to the XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX in person on Friday, XX/XX/XXXX and provided them with this information since payment for this tax XXXX is due on Tuesday, XX/XX/XXXX ( See attached document " Delinquent and Tax Lien Notices '' ). The manager at the XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX walked with me to 2 different offices that handle these matters and informed me that there is no XXXX that works at the XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX and that the account/parcel number I was provided by UWM does not exist in their system. Now I don't know what to do again except for pay the bill myself and be reimbursed by UWM with the fees that have accrued due to failing to make the tax payment on time. During my calls with UWM on Thursday, XX/XX/XXXX and Friday, XX/XX/XXXX I requested a copy of the check/payment showing that it was cashed so that I can take that information to the XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX and track down the funds, but this STILL has not been send to me. Mind you, this is the XXXX time I have requested this documentation and UWM fails to provide me with it.
Also, in my original complaint with the CFPB, UWM responded with saying that I would receive two check that were escrow surplus checks from the past 2 years ( See attached document " CFPB Complaint Response No XXXX '' paragraph 5 ) within 10 business days. UWM 's response was dated XX/XX/XXXX. At the time of this complaint on XX/XX/XXXX, I have yet to receive these checks, which I would use to pay my outstanding tax bill that UWM failed to pay and refuse to show me documentation of proof of payment even though the burden of proof falls on them as they claimed to have made the payment, but the XXXX XXXX XXXX XX/XX/XXXXXXXX has no record of it. The XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX had no issue providing me with documentation showing what they have received yet UWM refuses to do so. I will be going to the XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX on Tuesday, XX/XX/XXXX to make the payment myself to remove the tax lien, but I expect UWM to reimburse me the full amount which includes fees and penalties. I will also visit the XXXX XXXX Consumer Affairs XXXX to escalate this because I have a feeling UWM will say they are not responsible for unsecured tax bills as they did in their original response to my complaint ( See attached document " CFPB Complaint Response No XXXX '' paragraph XXXX ), but they fail to understand that this all stems from their failure to pay the ORIGINAL SECURED tax bill that they claimed to have paid ( See attached document " Original Secured Property Tax Bill '' ) in XXXX, but no one, including UWM, can provide proof of. The XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX informed me that when secured property tax bills become delinquent, they become unsecured tax bills hence why UWM is using this as an excuse to not resolve this issue or deal with it or even provide me with proof of payment. I have listed the best ways to resolve this issue in the next area.
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| 11/20/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Unfortunately, most people do operate and make crucial decisions and I genuinely hope that no other consumers are getting this fear tactic used against them. I'm requesting assistance to help with the servicing company servicing my mortgage, I can understand why so many consumers ended up losing their homes in the XXXX crash, and I feel more consumers will end up losing their homes if we ever see another economic decline that involves the housing industry or if this servicing company is doing this to other customers. I placed a forbearance request for this home ; my forbearance request keeps on getting canceled. However like the rest of the calls of calling the servicing center it was followed with emails and mailed letters stating that my forbearance plan had been cancelled. Ive spoken to several representatives, and each time I'm told and confirmed that my forbearance plan had been extended. On my last phone call, I did make sure that I got the information of the employee that I spoke with as I wanted to make sure that I could track these results as this continues to happen consistently. The last call was on XX/XX/XXXX, I frantically called as I was terrified that I forgot to call again to get the plan reinstated again when I never asked for it to be cancelled and a mortgage payment has been reported. Or the absolute worst which would cost me my license that the last six mortgage payments were reported late. The reason I say it would cost me my license as I can't imagine what my credit score would be after six 30-day late payments or worse 60- and 90-day late payments were reported to my credit. It would be my entire livelihood if I lost my license, and I've done everything in my power to always be the most ethical, responsible and compliant with all laws for my clients and customers to never jeopardize my license. I spoke to employee ID XXXX. It was confirmed that my mortgage was extended till XX/XX/XXXX of XXXX, and no payments were due. I asked several times during the call and I even made sure at the last moment of the call that I asked one more time. It was confirmed that the mortgage was actively on a forbearance. I even requested for a letter to confirm. They said that there was the process of already getting something in writing being produced. However it just wasn't ready at this time as it takes a few days for it to generate and be mailed. However, following these conversations, like the rest of the calls Of calling the servicing center, it was followed with emails and mailed letters stating that my forbearance plan had been canceled upon my request. However, the worst part about it is then they send thick packages of foreclosure options and short sale options and or else. you may think that last statement with Screen anything goes wrong breath situation when you were trying to purchase or refinance of property and you just are in a state of unknown however it's even worse unlike a mortgage purchase or refinances transaction they don't have a loan officer and make sure they're educated not to fear or worry. There is a list of five psychological events that are the most traumatizing to a person such as getting divorced or changing employers. Another one of them is also moving or potentially losing a property that you own is a very stressful event to anyone. The fact that they can continuously send foreclosure packages/loss mitigation option can be pretty traumatizing to most people. That said thankfully I worked in the industry, and I understand how to read these documents. I'm working on a long-term option personally to regain payments on this mortgage. The cares act gives temporary forbearance assistance request without the constant fear of a destroyed credit report due to the late payments being reported when I followed the steps to put the forbearance plan in place. Truthfully what I'm absolutely terrified of is that I don't call back quick enough during one of these failed attempts a late payment is reported to my credit reports. Being a license loan officer, it would cripple my credit score and potentially give me licensing challenges During renewals. While some people might take a forbearance because they can, I can tell you is a professional in the finance industry ; this is not something that I enjoy the duration of. My ideal resolution would be to stop receiving these packages. Being in the broker channel XXXX was not the best situation for a prosperous success. Especially with the mortgage forbearance and the lack of liquidity that was in the markets. Our income was cut nearly down to 33 XXXX of what we used to make in the prior year of XXXX as working in the broker channel the SRP rebates were just not there to be paid on commissions for loan officers. I still have a loss of income, and the mortgage forbearance does give me aid in that aspect. At the end of the day for me, this is a real situation. I can imagine for me and the others in an active forbearance, none of us want the worst result of crippling their financial situation even more. With so many families and so many consumers that have a loss of employment, or a loss of income, or the worst, a loss of a family member. Additionally, see the attached where they stated they would review my request in 30 days and respond to me. I have yet to have that response and still live in fear of my credit report being damaged and losing my license.
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| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Complaint against UNITED WHOLESALE MORTGAGE.
Dear All, My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX, XXXX, Florida, XXXX.
My loan number isXXXXand is serviced by UNITED WHOLESALE MORTGAGE.
I had suffered a direct impact from the Covid 19 pandemic and I have applied for assistance following all the mortgage company requirements.
I have submitted all the necessary evidence required considering my hardship and and my economic situation. ( please see attachments ).
On XX/XX/XXXX I was approved for a flex loan modification with an interest rate of 2.875 % and a trial payment plan of 3 month, with a value of {XXXX}.
I have submitted ALL trial payments on time. Moreover, I had to submit 4 payments instead of 3, since the final documentation prepared by the mortgage company was not ready.
The 5thpayment I made has a value of XXXX and is different than the trial payments.
This particular payment ( XXXX ), was accepted and received by the mortgage company and truly represents exactly the amount that led us into a PERMANENT LOAN MODIFICATION..
On the XXXX XXXX, the mortgage company received the final documents signed and notarized by me. The deadline was XXXX XXXX, so they have received EVERYTHING before the deadline.
Summary : 1. Approved on XX/XX/XXXX for 2.875 % interest rate 2. Made ALL the trial payments on time ( 4 payments of XXXX each payments ).
3. Final documents were signed and notarized and sent on time and received by the mortgage company 4 days before the deadline.
At this moment, after all the hard work, I thought I was already into a PERMANENT LOAN MODIFICATION.
4. The payment required for the PERMANENT LOAN MODIFICATION was also accepted ( {XXXX} ).
Please see attached evidence.
For a NOT notified reason the mortgage company have closed my application after the above actions took place.
UNITED WHOLESALE MORTGAGE has NEVER addressed to me in writing to request more documents or more evidence regarding my application.
Moreover, UNITED WHOLESALE MORTGAGE, was notified by me in writing, numerous times, that I can only process in writing communications due to my XXXX situation.
I have clearly specified this in my application sent to their email address, on XXXX of XX/XX/XXXX. ( please see attached ) I have also specified this to them during many occasions ( please see attachments ).
Summary : UNITED WHOLESALE MORTGAGE closed my file without notice or REQUESTS for additional documentation.
During this process ( took months ), I have become divorced.
My spouse was never on the deed of mortgage or a Borrower or Co-BORROWER.
I was the only one on the deed of mortgage from the beginning of it.
By mistake, UNITED WHOLESALE MORTGAGE, has introduced my spouse on the final set of documentation, without verifying if he has any quality or not : such as BORROWER or if he is on the DEED of Mortgage.
I felt necessary to inform them that we are not even a couple anymore and I also sent them the divorce records.
Summary : UNITED WHOLESALE MORTAGE introduced my ex spouse by mistake.
They were notified on time of their mistake.
After they were notified that my marital status changed, UNITED WHOLESALE MORTGAGE closed my application.
Days after they closed my application, they have OPEN a NEW application based on the same documents they have closed the previous one.
The difference is that the second application they have opened has a HIGHER INTREST RATE with another set of HIGHER payment trial plan.
The INTREST RATE IS : 3.875 % and the monthly payment trial plan is {XXXX} Summary : UNITED WHOLESALE MORTGAGE is notified of my DIVORCE.
UNITED WHOLESALE MORTGAGE close my application with a LOWER INTREST RATE = 2.875 % ( after all payments trial were submitted, final documents were notarized and received on time and THEY WERE NOTIFIED OF MY DIVORCE ) UNITED WHOLESALE MORTGAGE open and approve a NEW APPLICATION ( on the XX/XX/XXXX ), based on the same set of documents they closed the previous application with a lower interest rate.
THE ONLY DIFFERENCE between XX/XX/XXXX ( application approved with a lower interest rate 2.875 % ) and XX/XX/XXXX ( application approved with a HIGHER interest rate 3.875 % ) is my MARITAL STATUS.
I feel that UNITED WHOLESALE MORTAGE took advantage of my XXXX ( notified in writing by me ), DISCRIMINATED me and WAVED MY RIGHTS that offered me protection against the situation created by the COVID -19 pandemic, in order to maximize the profits.
I believe I am exactly in the situation described by Consumer Financial Protection Bureau website, which clearly states that is illegal to : Offer you credit that are less favorable, like a higher interest rate, close your account.On the basis of : Marital Status.
With enormous efforts I have addressed my concerns and asked UNITED WHOLESALE MORTGAGE TO REOPEN my application that was approved on XX/XX/XXXX and has an interest rate of 2.875 %.
I had no success, even though I can probe all these facts with strong evidence.
Reason why, I am turning to you, hoping that this deceiving situation and abuse and discrimination I am being through will finally end and everything will get corrected.
Please help me with this, I am truly overwhelmed of this.
Looking forward to hearing from you, Many thanks for your hard work, XXXX XXXX
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| 08/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Date : XX/XX/2021 Subj : Irresponsible Mortgage Company I would like to file a formal complaint against United Wholesale Mortgage ( UWM ) for gross negligence in the handling of my account. Therefore, let me begin by telling you my story.
On XX/XX/2021, I refinanced my rental home through XXXX XXXX XXXX XXXX Towne XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Office : XXXX. At signing, my wife and I were provided with a very large loan packet ; in which, a copy of the First Payment Letter instructions and a Temporary Payment Stubs, ( see attached First Payment Letter and Temporary Payment Stubs ).
I followed the instruction of the First Payment Letter, but never received a loan statement ; therefore, two weeks before my first mortgage payment was due on XX/XX/2021, I reached out to UWM. I explained to the UWM representative that I could not locate their address via my XXXX XXXX Banks bill pay ( electronic payments ) portal. The representative informed me that there was no such address for UWM at XXXX. XXXX XXXX XXXX, NJ. XXXX. I was dumbfounded, but was instructed to I send the XX/XX/XXXX payment to XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Ca. XXXX.
Additionally, I was instructed to use the service number # XXXX rather than the loan number # XXXX, which confused me because its commonly to use the loan number rather than service number to identify ones account.
On XX/XX/2021, my wife sent the XX/XX/XXXX payment via ( bill pay ) in the amount of {$860.00} dollars, but for unknown reasons the money was returned to my account on XX/XX/2021. When I noticed the discrepancy, I immediately reached out to UWM and paid the amount of {$860.00} dollars telephonically.
For the XX/XX/XXXX payment, it was sent via ( bill pay ) on XX/XX/XXXX, delivered XX/XX/XXXX, and cleared XX/XX/2021, ( see proof of payment attached ). For the XX/XX/XXXX payment, it was sent via ( bill pay ) on XX/XX/XXXX, delivered XX/XX/XXXX, and cleared XX/XX/2021, ( see proof of payment attached ).
In the first week of XXXX, I received two delinquent notices and a monthly mortgage statement from UWM ; in which, late fees had been assessed. All were dated XX/XX/2021 ( see attached ). The monthly mortgage statement reflected that I now owed XXXX dollars for my XX/XX/XXXX payment. A second loan statement arrived dated XX/XX/XXXX now reflected that I owed {$890.00} dollars ( see attached ). Keep in mind that I was instructed to mail the mortgage payments to XXXX XXXX.
When I contacted UWM around XX/XX/XXXX, a female representative told me the following ; she stated that it was my fault because I should have been sent the payments to New Jersey rather than XXXX XXXX. When I pressed her about the First Payment Letter instructions and a Temporary Payment Stubs, she was dismissive and I sense her ambivalence ; nonetheless, she reaffirmed that I was responsibility for the loan amount reflecting on the XXXX loan statements.
I was furious to say the least, and told her : XXXX NO, Im not paying nearly {$2700.00} dollars. She injected and said she would remove the late fee of {$43.00} dollars, this time! I quickly verified via XXXX XXXX Bank that my XXXX payment was in fact sent XX/XX/XXXX, delivered to UWM on XX/XX/XXXX, but for unknown reasons it was cashed on XX/XX/XXXX, ( see XXXX proof of payment ). When I brought this to her attention, she again dismissed it as my fault because I was sending my payments to wrong address. I requested that she email me the correct address ; but as of yet, no correct UWM address has been received. I was taken back by her attitude, but feel this is a compendium by UWM.
On XX/XX/XXXX I contacted UWM and spoke to XXXX. I explained the situation and she informed me that I my account was paid up to date ; and that in fact, I was one month ahead in mortgage payments. Not fully understanding this, I asked why I had received late notices when it was UWM who cashed the check late. She did not know but then referred me to UWMs resolution department.
I then spoke to XXXX, a representative from the resolution department who stated Id done everything correctly. I had mailed the check to the correct address, and correct information annotated onto the check. Now she too was baffled by the UWMs cashing the check in such a late manner. She went on to say that she would look into this ; now what does that mean : it means they dont care!
For example, On XX/XX/2021, I received an encrypted email from UWM proving me a copy of my XX/XX/XXXX payment for {$890.00} dollars. The XXXX payment was sent on on XX/XX/XXXX, delivered XX/XX/XXXX, and cashed on XX/XX/XXXX ; ( see XXXX proof of payment ) and yet, they want me to pay the late fees?
In closing, whichever Federal Department oversees banking, they need to investigate UWMs business practices. Furthermore, since I have exonerated myself, I want it in writing from UWM that no negative information would be forwarded to the credit score bureaus. And since UWM is so quick to blame, deny wrong doing, and make counter allegation, I respectfully request to be compensated for loss of enjoyment of life in the amount {$2600.00} dollars, or Ill will take them to small claims.
Sincerely XXXX XXXX XXXX
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| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We purchased the house and signed all documents on XX/XX/XXXX, and we also moved into the house on the same day. We purchased the house for {$500000.00} and put down {$25000.00}, so the amount financed was {$470000.00}. As you know, covid hit the US pretty hard XXXX, so in XXXX the bank offered a covid relief program, which we decided to take advantage of, as I had just resigned my last corporate job right when we bought the house and go independent. Obviously, not knowing covid was coming our way, which really affected my new business venture.
We were in the forbearance plan/relief program for 18 months. In XXXX of XXXX, our account was re-instated and we were given a few options on how to proceed regarding the 18 months we did not pay. Among the options, there was one that was the most appealing to us, a payment deferral. The way this was explained to us by several bank representatives was that the 18 months balance was going to be added to the duration of the long ( end of the long ). We will be responsible for paying the interest, taxes and insurance ( once they did an escrow analysis ), but the actual payments, which will not generate any more interest, were going to be paid eventually, and our loan duration was now going to be extended.
Shortly after we accepted to enter into the payment deferral, I went online to make sure the auto-pay was activated, and it was when we realized our loan balance had increased significantly. We went from owning the bank around {$470000.00} ( balance right before we started the covid relief program ), to now having a balance of $ 510,000+. I immediately proceeded to contact the bank ( this is back in XX/XX/XXXX ), and nobody had a clear answer as to why our balance had increased. All bank representatives would say we needed to talk to a supervisor, but that they were not available at the time, that someone would contact us within 24 hours. This went on for several months ( XXXX to be exact ). Finally one representative said that unfortunately the payment deferral agreement did not explain how this option worked correctly. That we agreed to enter into a balloon payment, but he couldnt really explain it to us. He said the reason why we now had 2 principal balances was because the 18 months balance needed to be separated from the rest, as that amount will not accumulate interest, which makes total sense, however, it this was done correctly, our overall loan balance shouldnt have been increased. As you will see on the screenshot attached, the 1st principal balance does not only include the original balance before we entered in the program, but it also includes the 18 months balance, which should have been moved into a second principal balance. Instead, we are payment the 18 months balance double. Hope this makes sense.
On the other hand, we also have a few issues with the escrow analysis they have conducted so far. The first one that was conducted back in XX/XX/XXXX, where we were told we were short almost {$8000.00} and that this amount was going to be divided in the next 24 months as we make payments. We dont have a problem with this, however, when you read the deferral agreement letter, you will see that the 18 months balance ( {$49000.00} ) includes interest, insurance and taxes, which we again, seem to be paying double, as the escrow shortage was added to the next 24 payments, but it has not been deducted from the principal balance. Again, we contacted the bank several times, and nobody seems to know why this is happening.
Recently, we received another escrow analysis ( conducted in XX/XX/XXXX ), and the bank is saying we are short another $ 8000+. We called the bank as we were very confused with the # s, but spoke to 3 different people and nobody could help. It seems like the 2 escrow analysis overlap a bit. Anyhow, we wanted someone from the escrow department to break it down for us and to clarify the # s, and our monthly payments went from being $ 3300+ to $ 3600+ ( after 1st escrow analysis ) to $ 3800+ starting in XXXX.
In other words, nobody from the bank has been able to provide us with a clear explanation on anything. All we know is that we are now payment more a month, and our loan balance is higher. Something is just not adding up. And the fact that nobody at the bank is able to clarify anything, is just very suspicious. Needless to say the amount of hours I have spent on the phone with the bank since XX/XX/XXXX. Somedays I actually cried. Extremely frustrating. They dont have any of their facilities open for us to go and talk to someone in person either. So we really dont know what else to do at this point. Our bank is United Wholesale Mortgage.
For your reference, I am attaching : -Payment Deferral Agreement -Escrow analysis done in XX/XX/XXXX, which was conducted right after the account was reinstated ( it we are reading this correctly, this amount is also being included in the deferral amount, which is explained on the payment deferral agreement ) -Escrow analysis done in XX/XX/XXXX -County Taxes bills ( just in case ) -A screenshot of what we see online when we log into our account. This is just for reference, so you see how they are adding up the loans/principals, which makes NO sense
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| 12/09/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a home in XX/XX/XXXX. My loan is through United Wholesale Mortgage ( UWM ). My loan payments include the actual mortgage as well as payments to an escrow account that covers the property taxes and homeowner 's insurance. UWM is supposed to pay the taxes and insurance using funds from this account.
The county tax offices issued two secured tax bills based on the XX/XX/XXXX value of the house ( prior to my purchase ). This value was much lower than the new value of the house ( based on my purchase price ). These bills included a secured tax bill for the period of XXXX and a secured tax bill for XXXX. I personally paid the first secured bill ( from XXXX ), as I didn't know any better. UWM has paid the first installment of the XX/XX/XXXX-XX/XX/XXXXsecured tax bill. Both of these bills were relatively small, because they reflected the XX/XX/XXXX value of the house, which had not been sold for decades.
The county then issued two SUPPLEMENTAL tax bills, which were much much higher, in keeping with the purchase price of the house. There is one bill from XXXX and a second bill for the XXXX tax year. Because these were officially supplemental property tax bills, they were mailed to us, not to UWM. However, UWM has been collecting escrow funds that are more than sufficient to pay these large tax bills. The impound account was specifically set up to anticipate the actual tax burden associated with the purchase price.
We called UWM repeatedly and mailed them multiple emails with the supplemental tax bills attached. We were told over and over that UWM contracts all its tax payments with XXXX and that XXXX does not provide a phone number that we are allowed to have. Instead, we must email them, which we did. I attached both bills. I have contact them multiple times. I have received illogical and false replies that defy explanation. At one point, they said there were insufficient funds in the escrow account to pay the supplemental bills, even though this was completely false, and the escrow account had sufficient funds ( and was accruing more on a monthly basis ) to pay both supplemental tax bills, the secured tax bill, and the homeowner 's insurance bill. They weren't just wrong about the adequacy of funds, they were wrong by thousands of dollars.
Next, they replied that they had paid the bills. But they only paid the secured tax bill and the XXXX supplemental tax bill. They completely ignored the XX/XX/XXXX XXXX supplemental tax bill, even though it was always included in my correspondence and explicitly mentioned in the body of my emails.
I wrote again, requesting that they pay the XXXX supplemental tax bill that they had inexplicably ignored. They then wrote back saying that, in order to pay any supplemental tax bills, I needed to provide proof that the closing agent had included extra funds in our escrow account for possible tax needs. This was infuriating, since they had already paid the other supplemental bill without that information, also, they are in possession of the account and all deposit information, so they are perfectly aware that such closing funds are there, and last we had already sent them this proof two months earlier ( in a message that they refused to reply to because it came from my husband who is not listed on the mortgage, and so they claimed he hadn't proved he had a right to correspond with them, even through he included all the information needed including my name, SSN, parcel address, loan number, etc. ). All subsequent mail was sent by me, starting XX/XX/XXXX. When I re-sent the closing cost information, they replied that I hadn't included identifying information ( I had included all of it but my mailing address, which is the parcel address, which was there ). Then they replied that they had already paid the taxes, and proceeded to list the OTHER supplemental tax bill and the secured tax bill they paid, even though my message very clearly in 12 point bold type explained that I was asking them to pay the SECOND SUPPLEMENTAL tax bill.
We have called and emailed UWM and XXXX multiple times, starting XX/XX/XXXX. Each time, the email responses are almost nonsensical and new and random reasons for their failure to pay the second supplemental tax bill are provided. These " reasons '' defy logic. In addition, there is no way to reply to their response. Each time I reply, they again give themselves 15 days to respond to my reply, and each response they give has nothing to do with the last message, as if the prior emails were completely ignored. In XXXX, there is very little written record, as I spent that entire month calling them. They told me they were going to respond to my letter on XX/XX/XXXX and that they couldn't do anything until then. But then their response was to fail to pay the second supplemental bill, by which time the bill was nearly due. I then sent more written correspondence, including today. Today, when I wrote, they replied that I hadn't included identifying information, even though the message included that information. This is an example of how I can't even begin to communicate with them, as they make statements that defy understanding.
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| 03/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hi, I'm writing in regard to my experience with United Wholesale Mortgage I was put on forbearance for my job, Due to corona virus. I looked online listened to some shows and what government officials advised that I do in this situation. One clear thing they said was that I should contact my lender and try to work it out. So I did this or tried to. The first issue I encountered was that they were not really accepting phone calls in regard to the Corona virus, which since it's a pretty unique situation leaves a lot of questions unanswered. So I went online and filled out the form they wanted. It became clear to me based on the lack of information they wanted for the form that it seemed a dead end. Since to me, if they were really going to take into consideration my situation and find a solution and make a plan they would need to ask for more information then what they were asking for. After That I looked at what they seemed to be saying they might offer. To me what they were offering to help was not help at all and actually seems dangerous, that anyone who did what they said would not be solving the problem but pushing it down the line only to end up with a much bigger problem ... They wanted to put everyone who applies on a 90 forbearance. And at the end of the forbearance they would have to pay the 3 months all at once. There was no mention of fees or interest and how that would work, which I think there should be since 3 months of interest tacked on can dramatically increase the amount you owe after 90 days and if people are not aware of that they may be getting a pretty bad deal.
Here 's why I think this is a dangerous practice. 1. It doesn't solve the problem, if someone can't pay monthly then when 3 months rolls around how are they going to pay this giant lump some. If this happens to a bunch of people then all its going to lead to is a bunch of foreclosures. 2. This doesn't allow someone to actually plan, If I don't know how much I'm going owe, then Its hard to responsibly plan to make sure I pay. My bank is basically saying well see in 3 months. And Asking for the money in 3 months instead of month to month doesn't help or solve any problems since the problem isn't my willingness to pay. It's basically making it look like they helped without really helping since there is no difference paying month to month for three months or paying one giant lump some 3 months from now ... ..3. they do not mention that how the interest will work or will accrue. It seems like all that would happen is that in 3 months I would have a giant bill and have to pray that my bank helps me out instead of the bank working with me now to solve the problem.
I suppose what I'm saying is that : Everyone keeps saying call your bank make sure to communicate with them, but I feel like my bank is refusing to communicate me or work out options with me. I'm trying to be responsible and make a plans now before I get into any trouble and I feel like if I'm having an issue I'm supposed to call my Bank, but what do I do when the bank has created a policy that gives me only 1 option and that option seems to be irresponsible, dangerous, balloons costs, doesn't allow me to plan and creates more uncertainty then is solves? What do I do when my bank has cut of all sensible and reasonable communication and replaced it with robotic responses and only repeats the same thing? How many people are going to take the forbearance and then get foreclosed on because they have this balloon payment come do in 90 days?
I've heard the word Sacrifice, over and over again. That we need to work together, I have Sacrificed a lot, my job, my social life, and it seems more everyday but why should I have to sacrifice my house. Where is the sacrifice on their part? It seems they are creating a way to not only not help but profit off the people they do help by collecting a bunch more interest. Where is their effort to really work together with people during this time? I'm sure if the banks end up in trouble, which they will, they are going to want help too, I doubt if we offered them the same forbearance they would find that acceptable, and its going to be us that pays to solve there problems. To say that they don't have a responsibility to come to the table and to work with people and create real solutions that don't create bigger problems then they solve ignores the fact that its us that have to pay to save them in there times of need and that they have made us responsible for them.
I don't think they will do anything unless someone steps in a makes them see their responsibility here. I believe your agency was created to protect consumers during this time. And specifically created to help prevent the nation from walking into foreclosure due to banks looking after there own self interest above the greater good in times of crisis.. Hopefully you can help.
Thank You.
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| 12/16/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Dear Consumer Financial Protection Bureau, I would like to start that I believe that XXXX XXXX, XXXX as United Wholesale Mortgage ( UWM ) is trying to set me up to ruin my credit to cease my property. I owe them nothing. I have repeatedly provided them documents to fix their records, including a document from UWM to my bank, XXXX, saying the are having issues : They have insulted my credit score, which was greater than XXXX. My score is now in the low XXXX due only to UWMs attack on my credit. No other negatives exist on my credit score. See below : Followed by : I am now in fear of loosing my home. I am being bombarded by various credit/loan companies as a result of this sudden and dramatic change to my credit score. I have been denied credit and my cost for credit has significantly increased. UWM employees who could help have now ghosted me. The only calls I get from them now are the collector calls asking for the payment they lost. I try to explain, but they are clueless. When I get to someone who could help, I get disconnected.
Details of what has transcribed since XX/XX/2021 are as follows : In XXXX, I called UWM to inquire why my payment did not process as usual. I was told they were having issues and to give it another week or two.
I called back a week later and was told that they had my check, but it had been sent to a different department.
A few days later, at the end of XXXX, I received a call from collections asking for my delinquent payment. I provided the payment information and was assured that it would be addressed. I was also informed that I was not the only one in this situation.
I called back at the end of the month and was told that the matter was handled. It was not.
After XXXX 2021 payment came out and was applied to XXXX, I received a call mid XXXX from UWM asking for the payment. Again, I explained what transpired the previous month. Now, they were less than friendly and became threatening. I said I need a supervisor, as I was getting tried spend hours on the phone repeatedly explaining the same situation.
I have since spoken with several UWM specialist, each one less special than the next.
UWM does not have direct emails. All emails go to a centralized number and are picked out as needed. You can not dial telephonically directly. To get to a specialist, you have to spend a half-hour on hold a re-explaining the whole situation again.
The level of incompetence of UWM, must be intentional. No healthy company can loss checks and deliberately avoid responsible paying customers.
After speaking with XXXX of the first specialist, XXXX, who transferred me to XXXX. I was told he would send me my payment record. He did not. Prompting the following email through UWM email portal, which is the only way to contact them : Shortly after sending this email, my account was deleted. Again! I needed to call back to get in unlocked. Strange as nothing had changed and this wasnt the first time. See below : Phone call XX/XX/2021 @ XXXX hrs. from phone number ( XXXX ) XXXX - Hi XXXX this is XXXX calling you from United Wholesale Mortgage you had called, ummm, sent in a message in regards to a payment history. I am showing that was mailed to you on the XXXX of XXXX. If you did not receive it, please give us a call at ( XXXX ) XXXX and any of the representatives would be able to assist you with that. Im showing that it was mailed to you on the XXXX by XXXX of our executive resolution specialists. As I said if you did not receive that, please give us a call back. We would be more than happy to assist you with that. Ummm [ phone disconnects ].
If it was mailed on the XXXX, why did I send an email saying I did not receive it? Why does it take them so long to respond? It is clear to me the are refusing to provide the documentation I need to sort out their error.
Documentation that is sent is useless as it can not be downloaded or opened : Phone call XX/XX/2021 @ XXXX hrs. from phone number ( XXXX ) - Good afternoon, this is a payment reminder call from United Wholesale Mortgage you can give us a call back at XXXX? XXXX. Called back and waited XXXX minutes to speak with someone. I was disconnected.
Phone call XX/XX/2021 @ XXXX hrs. from phone number ( XXXX ) XXXX - Hello this message is for XXXX XXXX. Calling with united wholesale mortgage. If you could please give us a call at ( XXXX ) XXXX. Thank you. Have a great day. Again, tried to reach someone. Again, disconnected.
Im now being harassed on a daily basis by UWM or XXXX of their minions. Please help me set these monsters at UWM straight before I lose my home and help me regain the XXXX XXXX that rightfully represents me as a borrower.
UWM phone number XXXX XXXX XXXX XXXX.
Consumer financial Protection Bureau at https : //www.consumerfinance.gov/complaint/getting-started/
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| 05/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The following is a timeline in which myself and my wife have attempted to have our escrow account analyzed in order to have our escrow payment adjusted and receive a refund of excess funds. After purchasing our home, we had our property value re-assessed by the town assessor. Our assessment decreased from XXXX to XXXX . This resulted in our school and real estate taxes to be much less than the prior year 's R.E. Tax of {$1500.00} and {$5400.00}. End of XXXX XXXX Received updated school tax bill of {$4500.00}. Called to have escrow analyzed and was told to call back in XXXX when bill was due. XX/XX/XXXX Called and spoke with XXXX . Faxed bill to adjust tax lines and request new analysis to be done. Information faxed to XXXX XX/XX/XXXX Follow up call. Still not in system. Told it may take 15 business days from fax date to be updated in system. XXXX Called after bill updated. Told escrow will only be analyzed upon request 6 months after loan origination. XXXX Called and was told escrow would not be analyzed until after city taxes were paid in XXXX . XXXX Called and was told the request for escrow analyzation and refund of excess funds was placed but would tak e 2 weeks. Call back if not completed. XXXX Called and was told the request for analyzation was never put into the system, but it was being put into the system at that point. XXXX Called and was told that the request wasnt in the system again, but that the account would automatically be analyzed and would be completed by XXXX XXXX . XXXX XXXX Called to confirm escrow being analyzed. Told that it would be completed by XXXX . XXXX XXXX Sent message detailing complaint via messaging system. XXXX XXXX Received phone call from XXXX . Customer service representative apologizing for inconvenience and stated she would make sure that the escrow was analyzed and a refund was provided. XXXX XXXX Reviewed escrow information section online. The day prior, previous years payments for R.E. Tax and School Tax were correctly listed as {$1300.00} and {$4500.00} respectively. On XXXX XXXX , these numbers had been changed to {$1500.00} and {$5400.00}. The correct payments of were {$1300.00} and {$4500.00} were still listed under loan activity. XXXX responded that they changed our listed previous year payments in the escrow section because the school taxes had increased and to contact the town tax assessor. XXXX XXXX Called and attempted to provided tax assessment information from the town, which shows our home assessed value decreasing. Additionally, attempted to provide tax rate, which increased by XXXX cents per {$1000.00} of assessed valuenowhere near explaining a {$910.00} increase in school taxes which XXXX claimed. Proceeded to message information, town tax rates, and fax home value assessment from town. Called a second time and spoke with a manager, XXXX ( ID # XXXX ), and had the escrow analysis put on hold until the tax numbers were corrected. XXXX stated that she did not know why the numbers had been drastically changed as soon as the account was going to be analyzed, but maybe there was an increase in taxes that they had received. When asked to provide the document showing an increase in taxes from the town, she stated that she didnt have that information available to her, but the research department may have had it. She then stated that she put in a request to receive an updated school tax bill from the Town of XXXX and to put a hold on the escrow analysis until the information was received ( since they did not actually have that information at the time ). XXXX XXXX Escrow account analysis was completed with incorrect projected numbers for school tax and R.E. Tax. These " projected '' numbers were clearly adjusted to the XXXX taxes paid by the previous owners, prior to our new tax assessment. XXXX has still remained unable to provide us with documentation of how these projections were made, besides stating that our taxes went up. While this may be understandable if the tax increase was a reasonable percentage, a 20 % increase in one year that is not supported by town document s ( w hich I have provided ) is absurd. XXXX XXXX XXXX XXXX I am writing this complaint due to the fact that my new escrow payment has been calculated based on the incorrect adjustment and falsification of my XXXX tax payments by XXXX . I am hoping that my monthly escrow payment will be properly adjusted to reflect the correct town and school taxes.
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| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have sent an offer and it was accepted on XX/XX/XXXX.
On XX/XX/XXXX, the lender 's mortgage advisor XXXX XXXX XXXX confirmed via SMS that I only need to come up with 5 % down payment for a {$900000.00} home.
On XX/XX/XXXX, I sent the earnest money of {$28000.00} to escrow. I also filed a quit deed for XXXX XXXX that I am in the mortgage in as another requirement that I needed to meet.
On XX/XX/XXXX, I had the property inspection completed. I did not shop for an appraiser but my lender asked me to pay for an appraiser who appraised the property at a value of XXXX which I think was rigged. I was also given a run down of the rates and monthly payments at this time. It is a variable rate that will start at 4 % on year 1 then moves to 5 % on year 2, 6 % on year 3 and it will stay locked in at 7 % on year 4. The estimated monthly payment was {$3800.00} on year 1, XXXX on year 2 and XXXX on year 3. He also stated that rates are expected to go down in 4-6 months so I can opt to refinance to get me into a low fixed rate.
On XX/XX/XXXX, I accepted the first offer that I received for my XXXX home, even at a loss, just to make sure that I close a couple days early to meet the requirement and to use the funds to close at XXXX.
On XX/XX/XXXX, the down payment was increased to 10 %, including a requirement of paying off my XXXX XXXX, XXXX XXXX account and XXXX XXXX account of my co borrower.
On XX/XX/XXXX, I was asked to order HOA bylaws and declaration.
On XX/XX/XXXX, I was asked to order HOA insurance.
On XX/XX/XXXX, I sent a recap of our call on XX/XX/XXXX where he confirmed that we are moving to closing as long as I sold my property in XXXX. I waived my contingencies on XX/XX/XXXX per confirmation from my lender. I believe on the XX/XX/XXXX call he said that he was able to make it happen without paying my XXXX account.
On XX/XX/XXXX, he told me that we need to pay my co borrower 's XXXX account of {$21000.00} to get the debt ratio under 50 % On XX/XX/XXXX I was sent an estimated closing statement by my realtor which came from escrow which required {$66000.00} in addition to the XXXX XXXX.
I sold my XXXX property on XX/XX/XXXX which was the last contingency given to me to close my supposed home in XXXX. I routed {$66000.00} of the funds to escrow.
On XX/XX/XXXX, the lender found that we don't have the HOA lender questionnaire. The closing was delayed to XX/XX/XXXX instead of XX/XX/XXXX because it fell on a weekend.
The lender questionnaires came on XX/XX/XXXX. At XXXX on the same day, escrow received my loan documents. It still requires XXXX on top of what I had already paid. This included a {$29000.00} origination charge as part of closing costs. I did not receive a fair estimate of closing costs from my lender nor did I sign disclosures. I was at a shock that I needed to come up with {$72000.00} a day after I was supposed to close. I called my lender in tears that I am about to lose {$31000.00} from my expenses in acquiring the home including my XXXX that I could not get back. He let me know that the {$29000.00} was necessary to get me the rate. Then I confronted him again on XX/XX/XXXX, because I was given the CD by escrow and it showed that my interest rate was 5.999 % and my monthly payment is actually {$6300.00}.
The lender and realtor has been asking me to loan from family or friends, withdraw from my ex-husband 's 401K account and other means that are more harmful to me than good.
I asked my lender to refund those costs to me. To this date, {$94000.00} of my money is still in escrow. My lender used switch and bait schemes as well as predatory lending practices which cost me a lot of money and time. The lawyer that I spoke with said I should have received my loan estimate 3 days before close and signed by me. That did not happen. On XX/XX/XXXX, I let my lender know that if I do not get the costs back in the sum of {$30000.00} I will file a lawsuit. I sold my property in XXXX at the first offer I received to make sure I met all of my requirements to proceed with the sale. I filed a quit deed for the XXXX property I share with my ex-husband and sister. I am out of homes. I have to take time off because this has been using a lot of my time. The {$30000.00} is the total amount spent just on earnest money deposit, appraisal, inspection, HOA bylaws, insurance and lender questionnaire. It does not even represent all my losses to attempt to find a solution to what I was put through.
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| 01/30/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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United Wholesale Mortgage # XXXX XXXX XXXX, Associate XXXX XXXX ok 'd a 3 month deferment payment program, phone XXXX ext XXXX UWM. XXXX I made call to UWM and told there are no late charges, modification mortgage assistance, insurance, and partial payment ok but not required.Started XXXX, XXXX and XXXX. XX/XX/XXXX I asked if this contract could be in writing for me. ( new Dedicated Loan Specialist XXXX XXXX contacted ) never received Forbearance contract. % XXXX received statement from UWM showing my payments were over due, calls made but no return calls. Multiple calls no return calls. On XX/XX/XXXX I made another call and reassured and told I could extend the program 6 more months. I agreed as had major expense on auto and repair on home. I was told I would receive information on repayment plan, no late fees and the the forbearance amount would be added to my mortgage I am to let UWM know when I want to resume payments on my mortgage. I never received anything in writing and statement shows delinquent. Called UWM, connected with a XXXX, I questionedPartial Claim Loan back into loan? I asked for and told a letter to follow. NEVER got a letter. On XX/XX/XXXX I have a new dedicated Loan Specialist, XXXX XXXX. I called her XX/XX/XXXX @ XXXX to let UWM know I would make a mortgage payment, {$1100.00} on XX/XX/XXXX. No return call. I call again, I have a new, Dedicated Loan Specialist, XXXX XXXX, I let him know I made payment. No comment or correction from him. Payment returned to my XXXX XXXX XXXX account on, XX/XX/XXXX. Sick with worry now. Several calls made to XXXX when connected, XXXX said my payment was returned because I did not do the paperwork. I told him I did not get any paperwork!
On XX/XX/XXXX I received a packed dated XX/XX/XXXX. I was told to sign, notarize papers and send back air mail. I let them know the dates on packet were wrong and sent packet on XX/XX/XXXX. Now I'm waiting for response to know when to make mortgage payment. Again numerous calls to XXXX and left concern on payment etc. I look in UWM web page and find complaint department and call that number and I get XXXX and is supportive and concerned over what I have gone through I told her I'll fax my notes to her. She doesn't have her own fax but she'll get it if I put her name in it, Her # was, XXXX. I review cover letter on packet and see I am not accepted in any program, modifies or??. Also, {$11000.00} is due!!! I again and again make numerous calls finally get XXXX responses, He talked about the forbearance, would I like to go back on it. " It sounds like you can't make your payment ''. I said NO! He said ok you pay me now over the phone, {$1600.00}. I told him I just paid all my bills and can give you half and the other next day or two. I asked him what my, XXXX payment would be and he said {$1200.00} and asked what were the other payments for and he said that well take care of XXXX and XXXX. On that same day I sent via XXXX, {$820.00} and after borrowing some money the remainder of, {$820.00} was sent off the next day. " This is were he made the comment sounds like you can't make you payments do you want to do the forbearance ''. The whole conversation was so stressful and confusing, to me he was talking in circles. ( this is out of sequence but on XX/XX/XXXX I emailed my concern to, XXXX. I never heard back from them XXXX XXXX XX/XX/XXXX & XXXX, both {$820.00} checks were returned to XXXX.! XXXX I'm making calls to XXXX XXXX leave message of concern. My 4th call I ask to speak to supervisor, XXXX calls me back. Why checks returned???. They went in wrong account. I have to pay over the phone directly to XXXX so right then and there I pay the total, {$1600.00}, for XXXX XXXX XXXX over the phone to XXXX and told to pay XXXX payment on XXXX to him over the phone. Well I now see the mortgage payments are going on the forbearance loan not my mortgage. I left XXXX information of this entire transaction and feel I would do anything to save my home. I bought this home XXXX. I am a XXXX year old XXXX that had to quit work in XXXX due to illness.
I want a regular mortgage and the forbearance part added to original mortgage like I was promised.
What did I learn?? There was unprofessional contact with me calls not answered, nothing in writing, dropped from program when they didn't send out papers. Mistakes pointed out. Ignored to the point where I feel their only interest is obtaining my home.
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| 09/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Due to the facts described below we would like to file a formal complaint against XXXX XXXX personally and XXXX XXXX XXXXXXXX ( XXXX # XXXX ) as a company.
On XX/XX/XXXX we signed a contract to purchase a home located at XXXX XXXX XXXX XXXX, XXXX Fl XXXX On XX/XX/XXXX we contacted XXXX XXXX to inquire about obtaining a mortgage loan On XX/XX/XXXX XXXX sent an email to outline the process and sent an estimate for us to sign for the loan On XX/XX/XXXX I contacted XXXX to get a second quote and received an offer that was far better than XXXX first offer On XX/XX/XXXX I contacted XXXX to inform him of the quote I received from XXXX On XX/XX/XXXX XXXX informed me through email and over the phone that he could meet or exceed their offer including the {$6000.00} XXXX XXXX credit On XX/XX/XXXX XXXX sent me the attached updated quote On XX/XX/XXXX I informed XXXX that even though his quote was {$500.00} higher I would still go with him On XX/XX/XXXX XXXX indicated that the appraisal for the property was ordered knowing the closing was on XX/XX/XXXX On XX/XX/XXXX XXXX gave me alternative quotes for me to pick from and lock in the terms of the mortgage On XX/XX/XXXX XXXX locked in my rate of 2.999 % with a {$15000.00} lender credit On XX/XX/XXXX XXXX informed me and the real estate agents that he was having trouble getting the appraisal completed After numerous phone calls and emails, it was discovered that when XXXX ordered the appraisal, he put down XX/XX/XXXX as the due date to receive it back. Email from buyer realtor attached.
On XX/XX/XXXX we received the appraisal report XXXX continued to work on small questions that were brought up by the lender over the next two days. All questions he had for me were answered very quickly On XX/XX/XXXX XXXX indicated that we would have to wait 3 days after the CD was signed to close. Therefore, he made us change the closing date to the XXXX. If he knew it was going to take 3 days after the CD was signed to close, he should have told us that we needed to wait on the closing much sooner than the night before the closing.
On XX/XX/XXXX I asked XXXX how that would affect my lock given that we had until the XXXX on the lock On XX/XX/XXXX XXXX informed me that he would get a one-day extension on the lock On XX/XX/XXXX at XXXX, the day before my closing, XXXX informed me XXXX he could not stick with the rate 2.999 % and the {$15000.00} lender credit.
I immediately informed XXXX that not honoring what we agreed to was unacceptable. I told him I thought what he did was fraud.
XXXX informed me that there was nothing he could do because the quote he gave me would not be allowed under the lending regulations.
XXXX offered me a new quote with a 2.75 % rate and XXXX of lender credits.
When I informed him that that was not acceptable, he told me that was all he could do.
After a long conversation and him realizing how displeased I was, he indicated that he would go back to the lender the see what they could do and would get back to shortly.
XXXX did not get back to me until about an hour before my closing to inform me that they would not do anything.
At that point he gave me options that I could take. The only option that could be done from a logistical standpoint at that time was to take the loan he presented that had close to XXXX less in lender credits. A copy of the email he sent with the options is attached.
Given that I am planning on paying this loan off within the next two years the rate was less of a factor for me picking the loan than was the lender credits.
I strongly feel that XXXX committed fraud in his dealings with me. If my original loan was something that could not be honored due to lending regulations, how was it offered to me in the first place? How was able to lock in that rate and lender credit?
When I spoke to XXXX, I suggested that given the situation he put me in, he should not charge me a fee. His comment back was that he would not work for free. However, given that his fraudulent actions cost me close to {$6000.00} I do not think he should have been paid close to {$1300.00}.
I would strongly recommend that action is taking to suspend or revoke XXXX ability to act as a mortgage broker in the future and that he is given a substantial fine. I will also be contacting an attorney to pursue legal action if this matter is not resolved to my satisfaction.
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| 07/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I received a benefit award from the Keep Your Home California Program in XX/XX/XXXX. The award was for {$50000.00} to reduce the principal balance on my mortgage and to reduce the monthly mortgage payment to enable me to keep my home with a more affordable monthly mortgage payment. I am a retired, single, XXXX American woman, senior citizen ( XXXX years old ) and have adopted and am raising my XXXX ( XXXX years old ). I have been in my home for the past 12 years with no prior mortgage issues or problems and the home has been in the family ( my Mother was the original owner ) since it was first built in XX/XX/XXXX. My objective is to maintain a safe and secure home environment for my granddaughter and myself which is the reason I applied for and was granted the benefit from Keep Your Home California.
There are two mortgage companies involved in this scam of not providing the totality of my award XXXX XXXX XXXX ( Original Mortgage ) XXXX XXXX ( New Mortgage Servicer ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Account Number XXXX Loan Number XXXX On XX/XX/XXXX I was notified by Keep Your Home California that the {$50000.00} Benefits had been sent on my behalf to XXXX XXXX XXXX ( copy of notification included in attachments ) and within a few days I would receive documents relating to the principal reduction and the new lower mortgage payment. I waited patiently for this information but never received it. Instead I received on or about XX/XX/XXXX a statement dated XX/XX/XXXX which showed the receipt and distribution of the {$50000.00} but NO REDUCTION IN THE AMOUNT OF THE MONTHLY PAYMENT ( copy of statement included in attachments ). I immediately called XXXX to find out what was going on it was at that time I was informed of two things.
1. My loan was being transferred to another company 2. They did not bother to do a recast of my monthly payment ( this is an exact quote ) and the new company would have to do it.
I find it extremely suspect that immediately after receiving $ XXXX in cash and making no effort to recast the monthly payment on my mortgage the loan was transferred. Obviously if they had the time to take the money they should have completed the whole process prior to the transfer, or transfer both the money and the loan to the new company, this reeks of shady if not illegal business practices.
I contacted the XXXX XXXX around XX/XX/XXXX and inquired as to when they would be doing the recast of my monthly payment. At that initial contact they could not help me as the loan transfer was not effective until XX/XX/XXXX and they would not receive any of the loan information until after XX/XX/XXXX. I waited until after XX/XX/XXXX and have been in constant communication ( all initiated by me ) with XXXX XXXX representatives during the entire month of XX/XX/XXXX regarding the lower monthly payment which is included in the award I received. Following is a diary if my communication with XXXX XXXX regarding the recast and when it would be done and applied to my mortgage payment. Fortunately all the calls were made via my cell phone and are memorialized in the phone logs. But a summary of dates and the person I spoke with follows : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Escalation Specialist ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX, Escalation Specialist XXXX XXXX ), XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX, Escalation Specialist XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). Not to mention the numerous times I called the two escalation Specialist, left a message and did not receive a return call.
It was on XX/XX/XXXX that I was informed by XXXX that the recast pf my mortgage payment was denied and the reason was that my loan was not current I was flabbergasted. Mind you my loan was current for the month of XX/XX/XXXX and the only reason I had made no payment is due to the fact that I was waiting for and communicating with XXXX XXXX to ascertain the lower mortgage payment which is part of my original award. I find it highly suspect that I was strung along for an entire month so the company could use this as an excuse to not honor the terms of my benefit award. This is underhanded and completely unconscionable, wrong and taking complete advantage of a consumer and the award they were granted.
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| 05/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XXXX XXXX, XXXX the loan was registered for Autopay effective XXXX XXXX, XXXX ; for which I received a confirmation email from United Wholesale Mortgage on XXXX XXXX, XXXX stating Congratulations! Youre enrolled in auto bill pay! We will automatically process your first payment on XX/XX/XXXX, XXXX
On XXXX XXXX, XXXX I received a phone call from a representative at United Wholesale Mortgage, notifying me that my account was delinquent and no payment was received for XXXX or XXXX XXXX. I was surprised and confused since I had set my account to be automatically drafted. The representative checked the account and noticed the autopay was deleted from their end. I was asked to make the payments for XXXX and XXXX XXXX ; which I made right away from the same account that was enrolled in autopay. The representative removed the late fee charged to the account since they realized it wasnt my fault.
On XXXX XXXX, XXXX I re-enrolled the account under autopay for the same checking account and received confirmation emails again ( XXXX XXXX ). A week later, I checked and noticed the account had the autopay toggled to Off again! I didnt understand what was going on and chatted with a representative to find out. After some time, I was informed I could not use someone elses checking account ( my moms, who is the co-property owner, but not on the loan ) without an authorization form. Which didnt make sense since with our old mortgage servicer, it was never needed. During the call, I checked my credit score and noticed a tremendous drop from XXXX to XXXX. After diving deeper, I realized on XXXX XXXX, XXXX United Wholesale Mortgage reported the account past due, with a balance higher than the original loan amount ( the loan was just refinanced in XXXX XXXX ) ; even though I brought the account current a week ago before the reporting date. I informed the representative about my credit drop and was told to call in to customer service instead. When I called in, I was told they could not fix the previous credit information sent and I should file a dispute with the credit agencies.
On XXXX XXXX, XXXX I submitted a dispute with all three credit agencies for my account at United Wholesale mortgage. Recently, the disputes were just completed and while the account balance was updated, the payment history still reflects the month of XXXX XXXX as over 30 days late ( which is incorrect since XXXX wouldve been late ). Neither of the months ( XXXX or XXXX ) should be marked as late since it honestly was not my fault. I had enrolled my account in autopay and was provided a confirmation, so my job at that point is just maintaining an adequate balance in my checking account to make sure the debit clears. I didnt check my account and neither did I receive any letter, email or call notifying me that my autopay was deleted and my account was past due. When I did receive a phone call, I made the payments right away.
Recently, after submitting the third party authorization form to use my mothers checking account for autopay, it was deleted again because I have to submit a pre-printed void check along with it ; which I was informed by mail this week. The representative told me nothing about this and it seems to be a constant issue, where Im only receiving half the info. I was also told a letter was sent out in XXXX XXXX to notify me of the deletion, but I never received the letter. Had I received it, I wouldve made the XXXX payment manually.
I submitted this info to United Wholesale mortgage, but they rejected my request to correct the late payment report. Now they are deliberately not reporting my payment history to credit bureau 's. As of XX/XX/XXXX the last update on my XXXX mortgage account was on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). XXXX still shows I am XXXX days late on the account, while XXXX shows XXXX payment for XXXX and on-time payment for XXXX. However ; I've already made XXXX and XXXX payments which they are not reporting. Other than the XX/XX/XXXX payments, I made payments on XX/XX/XXXX ( for XXXX ), XX/XX/XXXX ( for XXXX ) and XXXX XXXX ( for XXXX ). Yet they are not reporting all these payments, which is over a XXXX month lag period. This was never the case before the request and now the lender is making things worse for me.
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| 01/15/2021 |
Yes |
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- Trouble during payment process
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Web |
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At the end of XX/XX/XXXX I was notified by my XXXX XXXX XXXX XXXX that the Escrow Dept that impounds my Mortgage Account At UNITED WHOLESALE MORTGAGE had not yet sent the correct tax amount for my Parcel as indicated online. This began a routine of several phone calls and many hours trying to connect with Escrow and Tax Depts only to be told XXXX XXXX XXXX XXXX XXXX was incorrect and XXXX paid the Taxes on my parcel on time per XXXX Representatives. As enclosed documents will show you this was not the case. XXXX finally paid my parcel bill with penalties from my Impounded Escrow Account XX/XX/XXXX. This began an ongoing struggle of me trying to connect with Escrow and Tax Depts only to be redirected to a customer service reprehensive. I finally received a call back from a XXXX in the XXXX XXXX apologizing for all the confusion, errors, mistakes, frustrations, and assured me the penalty fees were not my fault as evident by documents and the fees would be returned back to my account including overpayment of Taxes sent and returned but never restored to my Escrow Account. This never happened and from this point on representatives stated they would help me resolve this issue when I called to follow up but this never occurred. I continued to be told I would be called back, someone would take care of this and the monies would be returned to my Escrow Account and this was not the case. Sadly the same thing occurred with my next installment due to XXXX XXXX XXXX in XX/XX/XXXX it was paid with penalties as well. Because the Escrow and Tax Depts refused to correct the issue and look up the taxes due on my parcel prior to sending out the payment from my impound account. This after months 10 to be exact I began to get frustrated because everyone stated they would help when in fact that was not the case. I left several messages with only a few call backs that eventually transitioned to NO call backs. In the middle of all this an Annual Escrow Analysis recalculated my Escrow Account and because of all the errors from XXXX ( My money being taken out of my Escrow Account and never replaced ) my House payment was going to go up over a XXXX Dollars a month. Desperate now I decided to close my Impound Account with XXXX because after 10 months XXXX still had not replaced or repaid back my Escrow Account with Penalties and over payments taken directly from my Escrow Account. This finally forced XXXX after 10 long months to finally send me a check with some of my own money from my Escrow Account late XX/XX/XXXX. I was told this would include penalty fees from both installments but it did not as evident my Disclosure Statement of Check. So after months of daily or weekly or bi weekly phone calls during this time I finally had enough and I am now forced to refinance my mortgage in an ongoing effort to be paid back the money wrongfully taken from my account which I was told several times would be returned by XXXX but that was not the case. During the refi process XXXX sent a letter Stating XXXX XXXX XXXX had Identified that my mortgage was past due and affected by a natural disaster. I had to prove that my mortgage was indeed current and this was not the case as stated by XXXX. XXXX tried to lie in an effort to stop the refi of my loan. United Wholesale Mortgage continues to lie, cheat, and steal for what reason from my Account. I need the CFPB to investigate my claims and help me to receive all my money back form my impounded Escrow Account with United Wholesale Mortgage including penalty fees. I also need for XXXX to explain or return my paid money sent to them during my REFI. A letter was mailed to me good until XX/XX/XXXX stating payoff and 4 days later because of the hold up from XXXX XXXX team as stated above somehow 4 days later that amount increased over XXXX XXXX Dollars. And the increased amount was sent to XXXX for payoff of my loan to finally be rid of them. This refi XX/XX/XXXX which was necessary because of all the fault stress and emotional frustration XXXX has put me through for almost a year now. Due to their faulty practices and misconduct, I am now paying thousands to refi to get out of this loan with United Wholesale Mortgage. Enclosed are all attachments including my notes from some dates of conversations.
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| 08/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX I had received my total mortgage payment for XX/XX/XXXX as ~ {$2100.00}, which is vastly larger than any payment I had made before which was usually around {$1300.00}. I have been at my residence for almost 18 months. I called my mortgage company ( which I had been transferred to back in XXXX XXXX XXXX XXXX after a few different customer service reps transferred me, they told me I had a forced flood policy that hit my loan account and they reassessed my escrow and now my monthly payment had jumped up. I asked them why I had a forced flood policy and how come I never knew about this or authorized it. They explained that it is a law that flood policy be active on your mortgage account in the state of Florida if you live in a flood zone. Ok, I understand, except the issue was, I never knew I was in a flood zone nor did I know I was forced to have a flood policy. Evidently, sometime after I purchased my home, it was reassessed into a flood zone and I had no idea. I asked my mortgage lender why they didn't get ahold of me to explain this or to give me a chance to fix it before they gave me a {$3900.00} insurance premium and they said they sent me XXXX pieces of mail. I told them I never received that mail and I take mail about my mortgage very seriously. I am in my late 20s, this is my first home, messing up my mortgage has been my biggest nightmare since becoming a home owner and I do everything in my power to make sure I was doing everything correct. They told me that the 2 pieces of mail were sent to the address on file, they told me what address and I told them that was my previous address not my current address. My previous address, was my parents home, that was my legal address until I bought my first home. Since I purchased my home, my parents divorced, the house was sold. I didn't understand why they only sent 2 pieces of mail, to the wrong address and didn't try to get ahold of me via email or phone. My entire contact info is at this company and all they did was send 2 pieces of mail to the wrong address. One of the customer service reps explained that when they received my loan in XXXX, I already had a forced lender flood policy from my previous mortgage company. I told her, no I didn't. I had no idea. She said the reason they didn't go " above and beyond to get ahold of me by either phone or email is because I already had a flood policy through my last lender ''. So now that brings me back to my lender before them. Why didn't they send me mail or call me or email me to let me know. I received email and letters from them before regarding successful payments, and tax documents during tax season, a shortage in my escrow from property taxes BUT NO FLOOD POLICY DOCUMENTS. They put a lender policy on me without my knowledge and then paid it using my escrow, which is why I never saw it come out of my account monthly during my normal payments. Trust me, if my payment had jumped up $ XXXX a month, I would have noticed, but when its taken from my escrow, and they didn't alert me, how else would I have known that? from XXXX until XXXX I was paying a very expensive flood policy insurance premium from my escrow and nobody seems to care. I've called my mortgage company, they explained and they cant do anything. I am now going through the process of finding a new flood insurance policy, sending it to the mortgage company for a refund from their policy and I need to do another escrow analysis because I am about {$5200.00} short in my escrow from the past 6 months of escrow activity done unbeknownst to me. And since this process of countless phone calls and talking to multiple reps repeating my story and then insurance quotes an emails to my agents, I have now missed the deadline to have my escrow reanalyzed by XXXX payment. {$1300.00} this month to {$2100.00} next month. Nothing I can do now even though I have been actively fixing this, following up, over calling. How do I get any of my money back for something I didn't authorize? How are they allowed to not successfully reach me before making me pay this amount of money. The time it will take to reset my escrow from this mess and the stress of all of this is horrible to go through as a new home owner. Can anybody help me? how is this legal?
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| 11/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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XX/XX/XXXX {$5600.00} paid with escrow shortage. They claim they did not make escrow shortage adjustment because escrow analysis was not completed until XX/XX/XXXX XX/XX/XXXX {$5600.00} withdrawn from my checking account Phone call to pay Escrow since I changed Mortgage Insurance and I wanted monthly payments to decrease. I hesitated and changed my mind at the end of the call and asked them not to withdraw because they did not know the amount I owed, but they withdrew immediately from my account XX/XX/XXXX The shortage was XXXX and the amount I paid ( {$5600.00} ) was not applied or the excess not refunded me in a timely manner XX/XX/XXXX biweekly draft {$2900.00} was processed for the XXXX payment which had been automatically withdrawn for many months since we refinanced the loan XX/XX/XXXX Called the office asking for the monthly payment to be adjusted since the escrow shortage was paid in full, UWM states, " regrettably, we failed to review the XX/XX/XXXX transaction and apply the {$2900.00} drafted XX/XX/XXXX to the escrow account. We appologized for the inconvenience '' They lied, and did not apply escrow amount and reimburse me excess amount I paid Then proceeded to delete my bi-monthly payments as the following dates will show XX/XX/XXXX XXXX bi-monthly withdrawal XX/XX/XXXX contacted office I was advised that XXXX was applied to escrow XX/XX/XXXX. XXXX {$3000.00} began to draft at a higher monthly rate XXXX XXXX contacted the office with a phone call requesting to have monthly payments adjusted since the escrow shortage had been paid in full. UWM " inadvertently reversed the {$3000.00} from XX/XX/XXXX installment and applied it to the escrow account XX/XX/XXXX XXXX XXXX, XXXX drafted second payment XXXX I called requesting my refund of excess escrow payment BUT they refunded the check XXXX dated XX/XX/XXXX so I cashed it XXXX thinking it was the excess escrow payment since I overpaid NOT a returned mortgage payment My troubles began XX/XX/XXXX they started mailing me delinquent notices. XX/XX/XXXX attempt to contact me to pay to reactivate my budget drafting. They couldn't reach me because I was in the middle of a crisis where water damage in my ceiling damaged from a broken Washing Machine all my hardwood floors and I was in the middle of a mold clean -up and new floor fix. So I was in a home disaster and starting to get delinquent notices causing a great deal of stress. I thought budget drafting would continue to withdraw my bi-monthly payments since it had for the past year on time and consistent.
XX/XX/XXXX UWM returned the {$3000.00} drafted XX/XX/XXXX Now I am confused and call again to UWM very upset XX/XX/XXXX I paid {$5700.00} for XXXX installment UWM waived {$230.00} late payment XX/XX/XXXX paid {$5700.00} UWM waived XXXX late payment Now the benefit of budget drafting is SO helpful because it can save XXXX years off your mortgage payments. We have 2 other homes that our parents live in and budget drafting continued with those 2 properties. However, XX/XX/XXXX, I just received a notice that UWM is selling one loan to another lender which happens. But we specifically re-financed last year to have the bi-monthly payments on all our properties to budget better and pay off earlier. I don't know if the new lender allows bi-monthly payments.
In order to re-instate budget drafting I needed to pay another month of payments in advance to re-instate this benefit. I saved, and saved XX/XX/XXXX I requested budget drafting AGAIN so I paid an extra mortgage payment XX/XX/XXXX I received a letter that UWM would draft bi-monthly payments XX/XX/XXXX I called again to see why they had not withdrawn to the monthly payments and they said my request was not eligible XXXX Authority, purpose, and scope State and federal housing creditors regarding the making, purchase, and enforcement of alternative mortgage transactions with consumer protection Where is my protection to save money when I am trying to pay on time, have bi-monthly payments and UWM can not apply my escrow payment correctly then deletes my ability to pay bi-monthly. And I tried to reinstate it again and was denied this benefit
|
| 11/02/2017 |
Yes |
- Mortgage
- Other type of mortgage
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|
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Web |
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After six months of repeated and redundant financial review by XXXX XXXXXXXX XXXX and its XXXX XXXX, XXXX XXXX XXXX, On XXXX XXXX, XXXX my XXXX XXXX loan was paid off by XXXX. The email I wrote when I received my loan statement from XXXX summarizes what transpired.
" Attached is the mortgage and payoff statement from XXXX XXXX. On XXXX XXXX transferred {$730000.00} even though the balance was actually {$730000.00} for a difference of {$3400.00}. ( As you will see, I also paid {$4000.00} on the previous directly to principal, but most likely XXXX convinced XXXX XXXX to not credit the balance ).
At least XXXX XXXX, despite its recent reputation, was honest and put the over-payment of {$4900.00} into escrow. However, XXXX left the excess payment in place and then chose to -- without authorization or communication -- decided on their own to conveniently round up the loan to a nice even {$740000.00} adding another {$2000.00} to the loan.
Now I have a higher mortgage than I needed by at least {$5400.00}, plus I am also " borrowing '' {$2000.00} and paying interest on money I never received, owed or asked for. As you will recall, I paid every single nickel of closing fees up-front, by wire in the amount of nearly {$11000.00}, including paying for the appraisal. This {$2000.00} is NOT additional fees.
What is this game? XXXX knew exactly what the balance was before paying the XXXX XXXX loan. '' To this email I got no response.
But that unfortunately is n't the only trick XXXX has in their bag. In less than 24 hours before actually closing the loan ( and amazingly, within less than a week of the rate lock expiring because this started in XXXX ), I got a new closing " estimate '' demanding an additional {$3000.00} in fess. " Why the extra fees? ", I asked. Because, I was told by XXXX from XXXX XXXX Mortgage, that the rations are suddenly not quite working by some tiny percentage so XXXX needs more money to guarantee the rate. Normally, you 'd have a few options such as paying down the loan itself or changing the terms to avoid the points and fees, etc. But darned if we are n't out of time.
I tell XXXX from XXXX bluntly, " You all need to get your paperwork in order before I sign or wire anything. The payoff number you are using is off by a significant amount. And I am NOT wiring another {$3000.00}. '' Then XXXX reminds me of the amazing benefits of this mortgage, etc,. to which I again reply " Get rid of the extra {$3000.00}. '' I show him my rate lock agreement from XXXX with the points noted. Then there are back-and-forth emails where I tell him to figure out how that {$3000.00} goes away, or I am signing the document to cancel the mortgage.
Eventually, they come back with a proposal to absorb all but {$500.00} of it -- supposedly XXXX will take {$1200.00} and XXXX will take {$1200.00}. Or that is what I am told, anyway. Rather than keep going around on this thing, I reluctantly agree but make this statement to XXXX at XXXX on XXXX XXXX.
" There is no doubt in my mind that I am being purposely worked by XXXX. It is fairly amazing that it has taken not only this long, but that have of course pushed it all the way so that the lock will expire, thereby placing extra pressure. Then we have the " Oh, by the way, you owe us another {$3000.00} '' coming in at the last minute because the supposed loan-to-value ratio is off by some miniscule fraction ( despite six months of review ) and, of course, now that time is up, I am left with not option to pay the extra {$3000.00}. Honestly I feel like reporting them to the attorney general. '' I did report them. But what they are doing is completely dishonest and, I would assume, illegal. You can not give someone an estimate of closing and then simply independently decide to up the loan and keep the money. I know what they do : They bait people with low rates but then figure out how to up the fees and loan values to actually dupe you into thinking you are getting an incredible deal. That 's slimy and needs to be stopped.
I hope you fine the XXXX out of them. I am attaching documents but have many more should you choose to investigate it.
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| 02/02/2021 |
Yes |
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Web |
Servicemember |
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I am writing you because I am still receiving emails about UWM ( United Wholesale Mortgage ) loan document they call a VSRLRLC ( Veteran 's Statement Regarding Loan Refinance and Lender 's Certification ) The problem lies with the companies identification of the " Loan Number '' on the VSRLRLC. I have multiple emails messaging UWM to amend their document to some extent to make it blatantly apparent which number they are wanting on their document. UWM tries to close the loan with the Lender Mortgage Case Number when in fact they want the VA Agency Case Number, due to what I continue to inform them is an administrative grammatical error from not being specific about what information they want on their document. This is a known problem for the company, due to an information breach on their part when XXXX XXXX Operations Specialist II - Government Resolutions p XXXX Ext. XXXX sent me the incorrect file of another customer a clear breach of information security. UWM tried to tell me the VA Agency Case Number is not always available at the time of signing, I find this statement untrue in my situation due to the VA Agency Case Number being on the very next page of the closing documents, and in fact I find this again to be a grammatical mistake originating from a confusingly written document. UWM tries to close the loan with the Lender Mortgage Case Number in the " Loan Number '' row of the VSRLRLC when in fact they want the VA Agency Case Number. Then weeks to months later, ( three months in my case ), run a process they call an " audit '' ( documented in my emails ), to ex post facto change the VSRLRLC and have the customer resign the document, therefore nullifying their circumvention of the financial process.
Here is a copy of the last email I sent UWM : To Whom it may Concern : At this point XXXX XXXX is being harassed by United Wholesale Mortgage ( UWM ), and UWM is to stop contacting XXXX about this issue. He will not speak with UWM about this issue unless they can follow his request to fix his VSRLRLC in order to improve customer education. He has other emails showing this is a regular practice, and calling it an " audit '' is an incorrect use for their practices. His concern for this practice stems from his view that UWM is trying to work around the financial system to speed up the financial processes, reminiscent of how the USA fell into the financial crisis of XXXX. Proof of this is shown as a regular practice from XXXX XXXX 's identical email as XXXX 's from XX/XX/XXXX intended for another customer, account information and all, which is a clear breach of information security. The breached email is the reason his suspicion was peaked to begin with, as well as their lack of encrypted programming for emailed documents. XXXX has told them on multiple occasions to regard his non-public personal information with the utmost regard for cyber security, and still, he is receiving more emails from XXXX XXXX, XXXX XXXX, and XXXX XXXX with a total lack of regard for protecting XXXX 's personal identity. XXXX is very agitated with this company, imposing their mistakes or " audits '' onto the customer by creating " ( revised ) '' ( UWM 's words ) to ex post facto change the VSRLRLC and have the customer resign the document, therefore nullifying their circumvention of the financial process. With a lack of customer education at the time of signing to explain the Loan Number process, he is not going to go back and sign a new " ( revised ) '' document, without the VSRLRLC being amended. The reference XXXX XXXX sent with his last email XXXX XXXX, XXXX, VA Circular XXXX, is too abstract for an unknowledgeable lendee to be responsible for at closing, and with no customer education, it is immoral and unacceptable.
What would be a fair resolution to this issue?
1. Amend the VSRLRLC by changing " Loan Number '' to " HUD/VA Agency Case Number '' to prevent future mistakes.
2. Provide written customer education at closing for XXXX and future customers.
3. Explain the use of the VA Agency Case Number and Lender/Mortgagee Case Number for XXXX and future customers.
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| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
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The company : United wholesale mortgages XXXX insurance was bought on my behalf even though I updated and sent in my insurance declarations. This resulted in my payment going up. I was not fully refunded. I have requested full refund multiple times.
Automatic payments started XX/XX/XXXX using my llc bank account. The automatic payments were going through just fins every month so it was not something I monitored each month. My automatic payments were shut off before the XX/XX/XXXX payment with no notice, nothing in the mail or phone call. I was not notified that I was late and did not get notice until XXXX. At that point I had missed 2 full payments. I immediately called UWM to resolve the situation and updated the automatic payments with my name instead of llc - not a problem for me to do but why did it work for an entire year with llc name before this? Why was I not notified? This resulted in my credit tanking as I was in the market to buy a new car. I was turned down from multiple banks and had to accept a higher interest rate because of this unforeseen mortgage defaults.
XXXX insurance was bought on my behalf even though I updated and sent in my XXXX insurance declaration page multiple times to the my coverage website which clearly does not work. Why would a mortgage servicer be using a system that does not work? I have screen shots and email confirmations of my updates which said it would take 3-5 business days and would never get approved? When I called UWM said I hadn't sent in anything. Finally after hours and hours of me spending my time trying to do my mortgage services job, I was able to reach someone on the phone that gave me an email to send the screen shots and declarations to. As a consumer, I should not have to jump through so many hoops to get my insurance updated. When I threatened to report UWM suddenly ALL of my chat message communications with UWM disappeared. Yet again, my monthly payment has increased. I have not been fully reimbursed for the insurance that was bought on my behalf. None of my questions to UWM about my mortgage, payments and escrow have been answered.
After calling and the representative not being able to explain why I do not have enough in escrow to cover the expenses, I requested a full year to date of all escrow charges and payments. The rep said my escrow was short but could not explain why because she said my taxes were the same as last year. Interestingly on XX/XX/XXXX I got a check from my escrow for {$84.00} for escrow overage. Why would I get a refund in my escrow is short? I specifically wanted to see the charges and refunds for insurance. They have not been able to provide me with ALL the details for my escrow account. I have been requesting documentation of my escrow expenses since XXXX. The Letter they sent out XX/XX/XXXX only had record of two months escrow expenses for XXXX. I want to see ALL of it.
My taxes on the refund letter from UWM XX/XX/XXXX shows projected and actual for XX/XX/XXXX as {$1300.00}. Yet on the UWM website escrow payments its showing that UWM paid my taxes XXXX more. Why is there a difference?
Why did they purchase wind insurance on my behalf?
There is clear mismanagement in all areas of this company. There is an obvious mismanagement of my personal funds. They are not using software that works for this business. This company is a disgrace as a mortgage servicer. I have been very vigilant on getting these things sorted out with the company for months with no avail. I typically have a great credit score. It seemed almost impossible to reverse the insurance they keep buying just to raise your payment. I have never missed mortgage payments in the past. How many other people are going through this time consuming nightmare of a company.
I had 9 attachments but then read that I need to take off my personal info so I removed them all. I can send supporting documents proving the website, phone numbers, communications, misallocation of funds, inaccurate reporting and a denial letter for my car loan because of the delinquencies due to their system.
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| 06/08/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I'm self-employed and due to covid my tax returns for XXXX did not show good income. My Income dropped to much from XXXX which disqualified me from getting a traditional home loan. I did however find a lender who approved me for a bank statement loan, but I would have to put 10 % down and my interest rate would be higher. I was pre-approved in XXXX of XXXX and had a ratified contract on a house on XX/XX/XXXX. I received my Initial closing disclosure on XX/XX/XXXX. My settlement was set for XX/XX/XXXX. My MAIN COMPLAINT is that on XX/XX/XXXX, the day of settlement I received an email from the lender. They stated that in order for the loan to be approved I would have to withdraw money from my XXXX and pay off all of my {$15000.00} in credit card debt for my debt to income ratio to be in line. This is after I was pre-approved, put in an offer and paid for both inspections and appraisal. This was obviously a huge disappointment and surprise to say the least. From my real estate agent, to my title company, to other lenders and friends and family. No one ever seen such a high number demand so late in the game. My debt to income was supposed to be checked prior to me being preapproved let alone the day of settlement. I also made more money in the last 3 months leading to this point then i was supposed to be making and i acquired no new debt so how could this be. Now for example purposes only. They didnt come to me and say your ratio is at 46 % we need you below 40 % so you need to remove {$2600.00} in debt. No they looked at my credit card debt of XXXX and said I hade to remove all of it. Unfortunately I was really desperate to get this house due to personal reasons so I made the difficult decision to comply with there requests and withdraw the money. On XX/XX/XXXX I received and signed an updated closing disclosure. The transfer tax on this disclosure had not been split yet by the title company and i was expecting it to be even a little cheaper then that as I am a first time home buyer and i was supposed to receive a first time home buyer transfer tax credit. Which brings me to my second complaint. On XX/XX/XXXX, just 2 days later i received another updated closing disclosure. The transfer tax had finally been adjusted by the title company from {$4500.00} to {$1600.00}. But then the lender added {$1800.00} to there loan origination costs. Just two days after making me pay off XXXX in credit card debt they then add XXXX to the Loan costs. I understand interest and points change but this just doesn't seem right. Also considering that my very first closing disclosure the loan costs was {$4500.00} and the last one went all the way up to {$8500.00}. Its also part of a habit they had along the entire process that when my cash to close was supposed to be coming down due to adjustments they would then add to the loan costs. My deposit gets deducted they add to loan cost. The property tax and insurance gets adjusted correctly in my favor they add to loan costs. The transfer tax gets adjusted in my favor they add to loan costs. Some people have told me that all this sounds wrong and they never seen these things but maybe its due to my loan type. I know I'm a first time home buyer getting a difficult loan but i shouldn't be treated like this. Even the lawyer I spoke with and the person i spoke on the phone at the CFPB says they never heard of this and it doesn't feel right. I and many others feel this is a very clear example of unfair business practices and predatory lending ...... Unfortunately I'm still proceeding with the loan and purchase as I'm desperate to move due to my personal situation. I have been told that just because I settle doesn't mean there still couldn't be a financial resolution down the road ... ..I do not have the final disclosure of XX/XX/XXXX in Pdf as I did not sign it. I have screen shoots but had trouble uploading. It keeps saying my session had timed out so I'm afraid to go away from the screen for to long and have to start over. But as for the main complaint I've uploaded the supporting documents
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| 10/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
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Web |
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I am writing to file a formal complaint against United Wholesale Mortgage ( UWM ) and XXXX XXXX XXXX regarding significant delays in closing my mortgage loan, unjust charges I have incurred as a result of these delays, and a lack of transparency and communication throughout the loan process. My experience with these entities has been exceptionally frustrating and financially burdensome.
The crux of the issue revolves around the excessive delay in closing my mortgage loan. Initially scheduled for closing on XX/XX/XXXX, the date was subsequently rescheduled to XX/XX/XXXX. Approximately XXXX days prior to the rescheduled closing date, both United Wholesale Mortgage ( UWM ) and XXXX XXXX XXXX ceased correspondence with me. Despite my persistent attempts through numerous phone calls and text messages, I received no response from either party, even though I had previously provided all requested documentation.
Adding to my concerns, after the loan closing was rescheduled, I was faced with additional requests for documentation. Notably, this additional request came after the initial lock on the loan had expired, leaving me in a vulnerable position. After numerous calls, I was finally able to speak with XXXX from UWM, who verbally assured me that the rate of 6.625 % would be relocked at no additional charges.
However, when I received the Closing Disclosure ( CD ), I was dismayed to discover that the loan points had undergone significant changes and continued to fluctuate daily. In an attempt to avoid further interest charges on my existing loan, I reluctantly agreed to a loan point of 1.754 % and a {$4000.00} origination fee to close on XX/XX/XXXX.
Regrettably, on XX/XX/XXXX, when I contacted Infinity Title, which was supposed to be the same company that initially handled the title process, I encountered further complications. The situation regarding my mortgage loan has been marked by a severe lack of transparency, communication, and professionalism on the part of both UWM and XXXX XXXX XXXX.
The lack of transparency extended to my involvement in email communications between my chosen title company, XXXX XXXX, and UWM. I was initially added to these email communications but was subsequently removed by UWM and XXXX XXXX XXXX, presumably to prevent me from gaining insight into the status of my loan and their internal discussions.
Both UWM and XXXX XXXX XXXX have continually pointed fingers at XXXX XXXX, the title company I selected based on their prior experience in handling the title process for my property. The contact information for XXXX XXXX was provided to both UWM and XXXX XXXX XXXX over a month ago, but they did not initiate contact until XX/XX/XXXX or XX/XX/XXXX.
As a result of these delays, my closing costs have escalated by over {$3000.00}. Moreover, I have incurred charges on my current loan, totaling over {$6000.00} over the XXXX months it has taken to close the new loan. These charges are a direct consequence of the delays, and I find them to be both unjust and unfair.
In light of the above circumstances, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that both United Wholesale Mortgage ( UWM ) and Imperium Lending LLC address these issues promptly and fairly. Specifically, I am seeking : Reimbursement for the increased closing costs, totaling over {$3000.00}, due to the fluctuation in loan points and additional fees.
Compensation for the charges incurred on my current loan, totaling over {$6000.00}, as a result of the delays in closing the new loan.
I have attached supporting documentation, including correspondence with both United Wholesale Mortgage ( UWM ) and XXXX XXXX XXXX, as well as financial statements, as evidence of my attempts to address these concerns directly with the lenders.
I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a timely resolution of these issues and a just outcome.
Thank you for your assistance.
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| 05/21/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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The forbearance program does not work with the needs of the people. People can not provide extra payments included with a current payment.
This is their program : Update : Coronavirus Disease ( COVID-19 ) UPDATED XX/XX/2020 What You Should Do Update your contact information, especially your cell phone number and email address within your online account at myuwmloan.com.
If you can continue making your mortgage payments, you should do so. This provides us the ability to help as many customers as possible who are truly impacted by this pandemic.
XX/XX/XXXX Is Coming Up. Heres What You Need to Know.
If your mortgage payment is due on the first, remember that you have a grace period until XX/XX/XXXX to make your payment without any penalties, late fees, or harm to your credit. You can always use our website or our automated phone system to make a payment from anywhere.
Our phone lines are extremely busy right now, but over the next week we are increasing our call center capacity by 30 %. Expect hold times to speak with an agent to improve very soon.
If you are unable to make your payment by XX/XX/XXXX due to the pandemic, were here to help. See below for more information on what to do next.
What to Do If You Cant Make a Mortgage Payment If the pandemic has caused a significant loss of income that will prevent you from paying your mortgage, were here to help. While still in flux, new programs are emerging so check back. Well be posting updates as we get them.
In the meantime, heres what you can do right now if you need help : Short-term relief is available. If you are experiencing a financial hardship due to the pandemic, you have the option to temporarily pause your mortgage payments. This is called a forbearance. During the forbearance period, we will suspend negative credit reporting.
While forbearance may be a great option to help you through this crisis, remember, once your forbearance is over, any paused payments will need to be repaid. Well work with you to find a payment solution that works for you.
Is forbearance the right option for you? Forbearance due to the COVID-19 pandemic is available to you in the following situations : You have lost work due to the pandemic.
You are sick and cant work.
You are caring for a sick family member and therefore cant work.
You have experienced a significant decline in income due to the pandemic.
If you qualify for a forbearance, youll be able to pause your mortgage payments for an initial period of time. After that period, well work with you to reevaluate your situation and figure out whats next.
What happens after a forbearance? At the end of your forbearance period, all payments not made during the forbearance period will have to be paid back. We will be in contact with you to review options for repayment, such as : Pay it as a lump sum Start a repayment plan Over a set number of months, an extra amount will be added to your regular mortgage payment to cover the amount you owe from the forbearance.
Loan modification If you are unable to pay a lump sum or through a repayment plan, we will work with you on a loan modification.
Note : Please dont stop making your mortgage payments until youve been approved for a forbearance plan. These programs are not payment forgiveness programs. Theyll require any paused payments to be repaid.
Why Forbearance and Not Payment Forgiveness We know that some announcements in the news may have led you to believe that your mortgage company can waive your upcoming payments or offer payment forgiveness.
To understand why we cant offer that, its helpful to understand a little bit about our role in the mortgage industry.
As a mortgage servicer, UWM is required to comply with applicable investor and agency guidelines. During this pandemic, the investors and agencies are offering forbearance as an immediate relief option for homeowners who need assistance. They have not made payment forgiveness available at this time. Well keep you updated with any new information we have.
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| 02/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, I am writing this complaint to resolve an issue with my mortgage holder United Wholesale Mortgage. I purchased a new home in XXXX of 2020 with UWM so this is a very new loan. From my records I set up XXXX auto payment on their website on XX/XX/XXXX and they removed me from auto pay on XX/XX/XXXX because they said they were unable to locate my account. I spoke to someone on XX/XX/XXXX and asked why my payments have not been auto drafting. They told me that they could not find the account so I confirmed my account and wiring information with the agent. This same day I made a payment of {$8900.00} for XXXX payments ( XXXX ) that had not been drafted. I then received a late charge ( {$190.00} ) on XX/XX/XXXX because my XXXX payment was not auto drafted. This is when I received a 30 day late notice reported to the credit agencies ( XX/XX/XXXX ). Another late charge was assessed on XX/XX/XXXX ( {$190.00} ). On XX/XX/XXXX I called and asked what happened again and made the XXXX payments that were missing ( {$8900.00} ) for XXXX and XXXX. I again asked what was going on with my account numbers and wiring information and confirmed everything with an agent again! Another late charge was assessed on XX/XX/XXXX ( {$190.00} ) when I got that late charge I called in again and asked why my account is not auto drafting and confirmed account information again and also made my required payment ( {$4400.00} ). The same day XXXX auto enrolled again online after confirming all my information because I am trying everything to resolve this issue. They also submit a credit correction on this day for XXXX installment that was missed. They did removed XXXX late charge totaling {$190.00}. I wrote a message to UWM in their messenger app regarding all of this as the agent advised this would be considered written notice. I received a message back I would have to write in to the company for any review to take place. The auto enrollment was again removed on XX/XX/XXXX because they said they couldn't find the account information. I enrolled in the auto draft AGAIN on XX/XX/XXXX XXXX XXXX day! On XX/XX/XXXX I was unenrolled again from auto pay and my credit correction was denied. I AGAIN tried to enroll in auto pay on XX/XX/XXXX and the same day made a payment of {$4400.00} and CONFIRMED my account information again with the phone agent! This agent told me to call back in XXXX to make sure the payment had gone through. XXXX days later on on XX/XX/XXXX I was UNENROLLED AGAIN and the payment I made on XX/XX/XXXX with the phone agent said the bank information could not be found and they tacked on another late fee ( {$190.00} ) on XX/XX/XXXX. I specifically asked this agent to make sure this payment went through and she said to CALL BACK IN XXXX. I called on XX/XX/XXXX and finally asked for a supervisor because at this point I have spent so much time trying to figure this out I was hoping a supervisor could figure it out! I was advised there was nothing they could do except verify the banking information again and I would have to write letters to the company which I did. I've spent hours on the phone, XXXX, XXXX XXXX, at home, etc contacting UWM trying to get this figured out. I have had multiple mortgages since XXXX and have not missed payments on any of them and have the capability to pay all my debts. I worked diligently on my end to try to make sure my servicer had the information they needed to receive payment. My only request is that the 30 day late payment on my credit report is removed. I have no issue paying all the late fees if that's what it takes even though I believe after the numerous times I was enrolled and XXXX enrolled and given bad information from representatives, I should not have to pay these. My credit is very important to me which is why again I have spent hours typing out all this information. I'm hoping you can protect the consumer and UWM will provide a credit correction due to the circumstances. Thank you for taking the time to read this.
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| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am writing to express concern regarding the process to remove PMI from our mortgage and the associated appraisal. We purchased our current home with the intention of recasting our mortgage to 20 % LTV and removing PMI after the sale of our previous home. However, we have been met with roadblocks at every turn by our loan servicer, United Wholesale Mortgage ( UWM ). We are especially concerned with the assertion that our house value dropped {$25000.00} in less than 6 months as well as the fact that the mortgage company seems to have shopped appraisers to get a price opinion that would ensure we keep paying PMI. Below is an outline of all relevant dates and issues that we encountered. We are hopeful that CFPB can help us to a satisfactory resolution.
XX/XX/XXXX : Pre-purchase Appraisal Conducted with value of {$630000.00} ( attached ).
XX/XX/XXXX : Closed on House. Purchase price {$630000.00}. Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX.
XX/XX/XXXX : Began the process of recasting our mortgage to 20 % LTV. This process was incredibly difficult. UWM had multiple steps to recast - with some communications sent via mail - taking several weeks to receive, some communication sent via secure messages, some sent via email, and some never sent at all. On XX/XX/XXXX, we wired the money to recast the payment and it was reversed on XX/XX/XXXX. According to our bank, UWM initiated the reversal. It took us until XX/XX/XXXX to speak to someone at UWM to be able to re-wire the money. We wired the recast payment on that date and it went through. We then contacted UWM to begin the process of having PMI removed.
XX/XX/XXXX : Received email from UWM stating an AVM was conducted using XXXX XXXX XXXX system ( XXXX XXXX bought the loan at some point ) and it lists our property value at {$610000.00}. The email also said we could have an appraisal conducted by mailing a check for {$320.00} to UWM. I do not remember the exact date we mailed the check and letter requesting an appraisal but it was cashed on XX/XX/XXXX.
XX/XX/XXXX : Requested a copy of the AVM.
XX/XX/XXXX : Received " Evaluation Results ''. This document ( attached ) was just a letter from Fannie Mae saying what they believed the house was worth. It did not contain any comparables.
XX/XX/XXXX : Appraisal Conducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX at our home.
XX/XX/XXXX : Received email from UWM stating that after the appraisal, the estimated market value of our property is {$610000.00}.
After receiving the email, I called XXXX XXXX ( who set up the appraisal ) and asked about the valuation. She said that she couldn't remember the exact valuation provided ( because the information was put into the bank 's system ) but said it was definitely over {$630000.00}. She provided me with the comps that she used : XXXX XXXX XXXX XXXX, XXXX, MD XXXX - {$680000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX - {$680000.00} XXXX XXXX XXXX XXXX, XXXX, MD XXXX - {$660000.00} After discussing it with XXXX XXXX, I called UWM. They sent the appraisal ( attached ), which was conducted by XXXX XXXX ( this person never set foot in our house and is based in New Jersey. I believe the photos used were taken by XXXX XXXX on XX/XX/XXXX ). I again spoke with XXXX XXXX who relayed that she has never heard of XXXX XXXX and did not provide any information to her.
I then requested the valuation completed by XXXX XXXX and/or XXXX XXXX from UWM. To date, UWM has refused to provide that valuation or any explanation for why that valuation was not used for the purposes of PMI removal.
We are very frustrated with this process. We have spoken to multiple people in the real estate and mortgage industry and all have told us that the manner in which this has been handled is very unusual and encouraged us to reach out to CFPB. Beyond having our personal PMI removed, we are very concerned that this is a common practice at UWM to ensure customers continue paying PMI when it should be removed.
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| 11/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I did refinance my Home Mortgage with UWM ( United Wholesale Mortgage ) in XX/XX/XXXX. Since then I setup my account with Auto Pay on Monthly Dues ( P & I ) {$1100.00} + Additional Principle {$930.00} which pay on 1st of the month as UWM default setup there.
Since XX/XX/XXXX I was paying additional payment towards principle between XXXX to XXXX of the month. So everything was good till XX/XX/XXXX. My interest was calculated on XXXX of the month base on whatever left over balance.
But When I pay additional Pay towards principle in XXXX on XXXX, XXXX, Amount went to monthly payment, & Breakdown as monthly payment + Additional payment. That time I did 2 of the {$3000.00} additional Payment Means I did put {$6000.00} in additional Payment in principle. Plus, my monthly auto pay went in additional payment. Every month 1st week I try to audit my all account so I can make sure I don't have any suspicious activity in it.
So when I did see the UWM ( United Wholesale Mortgage ) account in XX/XX/XXXX week. Found this kind of errors. So I contacted UWM ( United Wholesale Mortgage ) to fix the issue. Over the phone UWM customer care denied it as well as I contacted them through UWM ( United Wholesale Mortgage ) Secure message service, they also declined to fix it. Then when I was completely frustrated then last I call customer service & try to talk with their supervisor or upper level & told all the stuff that UWM ( United Wholesale Mortgage ) can't charge early interest, because I did payment towards additional payment in principle. Then I told them that if you guys not fix it then I will try to take legal action.
Couple of days later I saw that UWM ( United Wholesale Mortgage ) fix the error & try to do all reversal payment & at the end of the month final number came out as supposed to be. But when UWM ( United Wholesale Mortgage ) did calculations, clearly visible mistakes in calculations. But Final payment number came out good so I didn't call regarding that issue.
So In XXXX after UWM ( United Wholesale Mortgage ) fix the issue, I did again 2 transaction of total amount {$5500.00} ( {$4500.00} + {$1000.00} ) towards principle as additional payment on XX/XX/XXXX. This time I took printout of final confirmation page of additional payment. Because I don't want to take a risk at this time.
I saw in XX/XX/XXXX week there was again transaction of monthly payment + Additional payment on XX/XX/XXXX, but later on reversal payment. So I thought UWM ( United Wholesale Mortgage ) working on fixing technical issue.
Then I did again 2 transaction of total amount {$500.00} ( {$2000.00} + {$3000.00} ) towards principle as additional payment on XX/XX/XXXX. As usual I took printout of final confirmation page of additional payment. Now this time I saw in XX/XX/XXXX week there was again transaction of monthly payment + Additional payment on XX/XX/XXXX, But there are only couple of transactions were reversal. No interest payment was reversal. So I paid 3 times interest in just 32 days. Now shows me my next due is XX/XX/XXXX. I didn't pay any additional monthly payment beside of regular monthly Auto payments then how UWM ( United Wholesale Mortgage ) can charge interest on my additional payment towards principle. By doing this I am losing some amount of Interest money which I am not responsible for it, like {$100.00} Now I don't want to spend too much time with UWM ( United Wholesale Mortgage ). I tried to help them out 1 time & try to told them to fix the error. But they are continuing their errors & give me hard time.
I may have to try to approach legal consultant for help to take some legitimate action if possible. Because now I have multiple proofs of UWM ( United Wholesale Mortgage ) errors & responses. As well as UWM ( United Wholesale Mortgage ) has call records which made in XX/XX/XXXX.
Attached documents as many as I can. More details are available as needed.
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| 08/22/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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PURCHASED HOME XXXX XXXX 1. RECEIVED FHA LOAN FROM UNITED WHOLESALE MORTGAGE 2. NOT LONG AFTER CLOSING UNITED WHOLESALE SOLD MY LOAN TO XXXX XXXX XXXX 3. A FEW MONTHS LATER I REFINANCED THE INTEREST RATE ONLY TO ANOTHER FHA LOAN ( APPRAISAL WAS NOT NEEDED FOR THIS LOAN ) 4. AROUND A YEAR LATER - DUE TO REDUCTION IN INCOME I BEGAN STRUGGLING MAKING MY MORTGAGE PAYMENTS. XXXX WAS & STILL IS OUR SERVICER 5. WE HAVE STRUGGLED & CONTINUE EVEN WITH MORTGAGE MODIFICATION TO MAKE THE PAYMENTS. IN AN ATTEMPT TO BE PROACTIVE IN HOLDING ON TO OUR HOME WE ARE DOING THE ONLY THING WE CAN DO WHICH IS WE ARE ROBBING XXXX TO PAY XXXX IN ORDER TO KEEP OUR HOME 6. IN XXXX XXXX WE DECIDED WE WOULD TRY TO REFINANCE HOPING THAT WE WOULD HAVE ENOUGH EQUITY IN ORDER TO MAYBE ELMINATE THE FHA MONTHLY MORTGAGE INSURANCE PREMIUM WHICH WOULD HELP LOWER OUR PAYMENTS - **THIS IS THE PROBLEM- WE WERE TOLD THAT WE OWED WAY TOO MUCH TO REFINANCE & WE ALSO COULD N'T SELL IT BECAUSE WE WERE UNDERWATER & OWED TOO MUCH. WE WERE TOLD THAT WE SHOULD GET OUR APPRAISER FROM WHEN WE PURCHASED THE HOUSE BECAUSE IT SOUNDED LIKE WE MIGHT HAVE PAID TOO MUCH - SOMETHING DID N'T SEEM RIGHT.
7. WE COULD NOT FIND THE APPRAISAL OR ANY OF THE CLOSING PAPERWORK SO WE CONTACT UNITED WHOLESALE & WERE TOLD THAT THEY WERE UNABLE TO LOCATE THESE PAPERS & REDIRECTED US TO CONTACT XXXX XXXX XXXX & WE DID AND XXXX XXXX XXXX SENT US ALL OF THE CLOSING PAPERS.
8. WHILE REVIEWING THE APPRAISAL WE DISCOVERED THERE WERE SOME ERRORS - WE NOTICED OUR HOME ALSO ON THE MAP CALLED THE SUBJECT PROPERTY - IT HAD BEEN PLACED ON THE WRONG PLACE ON THE MAP. OUR STREET IS CLEARLY INDICATED IN THE UPPER RIGHT CORNER OF THE MAP & OUR HOME WAS PLACED ON THE LOWER LEFT CORNER OF THE MAP.
9. WE THEN NOTICED THAT ALL OF THE COMPARABLE HOME SALES USED TO COME UP WITH A VALUE OF OUR HOME WERE WRONG. THE MILEAGE TO EACH OF THESE HOMES WERE WRONG - THERE WAS NOT ONE CORRECT COMP DISTANCE FROM OUR HOME TO ANY OF THESE COMPS.
10. ALSO IN NEIGHBORHOOD SECTION IT STATED OUR HOME WAS LOCATED IN XXXX TENNESSEE & JUST ABOVE THAT WAS THE INFORMATION ABOUT OUR HOME & IT CLEARLY SHOWED THE CORRECT ADDRESS & LOCATION IN XXXX TN.
11. WHEN XXXX XXXX XXXX PROVIDED US THE PAPERWORK THEY ALSO PROVIDED US A FORM CALLED DIRECT ENDORSEMENT FOR FHA HUD APPROVED MORTGAGE IN WHICH AN FHA DIRECT ENDORSED UNDERWRITER SIGNED OFF THAT SHE CERTIFIED THAT ALL DATA SUPPLIED BY THE LENDER USED TO DETERMINE THE QUALITY OF THE LOAN WAS USED & SHE CERTIFIED THAT IT MET THE GUIDELINES & WAS ELIGIBLE FOR HUD INSURANCE.
12. WE ARE DEEPLY UNDERWATER ON OUR MORTGAGE - WE ARE DROWING - OH HOW WE HAVE SUFFERED TRYING TO HOLD ON TO OUR HOME. WE ARE IN HOME OWNERSHIP XXXX. WE WANT TO KEEP OUR HOME & YET WE KNOW IT IS A MATTER OF TIME BEFORE WE LOSE IT.
13. WE WROTE A NOTICE OF ERROR TO UNITED WHOLESALE ADDRESSING THESE ISSUES IN XXXX XXXX HAD IT DELIVERED BY FED EX AND WE ONLY RECEIVED A VAUGE RESPONSE THAT IT WAS IMPOSSIBLE FOR THEM TO LOOK IT UP GIVEN THE AMOUNT OF TIME & REDIRECTED US AGAIN TO XXXX XXXX XXXX AND WE HAVE SENT SEVERAL LETTERS FROM WHICH WE HAVE RECEIVED NO RESPONSE.
14. RECENTLY ANOTHER LETTER WAS SENT TO BOTH VIA USPS OVERNIGHT 15. A FOLLOWUP CALL WAS MADE ON XX/XX/XXXX TO UNITED WHOLESALE WHERE MY WIFE WAS TRANSFERRED TO XXXX XXXX SERVICING MGR WHO STATED THAT WE CAME TO THEM ASKED FOR A LOAN TO BUY A HOUSE IN XX/XX/XXXX & THEY GRANTED OUR WISH AND THAT WAS IT. MY WIFE ADVISED THAT HIS EXPLANATION WAS NOT GOING TO WORK. HE SAID WELL YOU MUST HAVE THOUGHT YOUR HOME WAS WORTH IT WHEN YOU SIGNED THE CONTRACT. OUR CONTRACT WAS CONTINGENT UPON FINANCING & IF THE UNDERWRITER HAD DONE THE JOB THAT FHA ENTRUSTED HER TO DO AND PROPERLY UNDERWROTE THE APPRAISAL SHE WOULD HAVE DISCOVERED THE ERRORS & THE HOUSE NO DOUBT WOULD N'T HAVE APPRAISED AND WE WOULD HAVE BEEN DENIED OR FORCED TO RENEGOTIATE OUR CONTRACT 16. THERE IS NO DEBATE HERE ONLY ERRORS IN B & W
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| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX, we completed a refinancing on our house at XXXX XXXX XXXX, XXXX XXXX, TN XXXX. This new loan is held by United Wholesale Mortgage, and the loan number ends in XXXX. The loan that was to be paid off by the transaction was, at the time of closing, also held by United Wholesale Mortgage, and the loan number ended in XXXX.
On XX/XX/XXXX, after the closing of the refinance but prior to the payoff posting, XXXX XXXX was transferred to a new servicer, XXXX XXXX. Also on XX/XX/XXXX, the funds to pay off Loan XXXX were delivered to United Wholesale Mortgage by the closing company, XXXX XXXX XXXX. As servicing of this loan had since been transferred, the payoff was forwarded to XXXX XXXX.
According to XXXX XXXX, they rejected this payoff as the funds provided did not match what their records showed the correct payoff amount to be. They have been unable to provide me with an explanation as to why the initial payoff quote from the refinancing was not honored. XXXX XXXX further states that the funds were then returned to United Wholesale Mortgage, as that is where they originated from.
The end result of this is that Loan XXXX is still active with XXXX XXXX with a balance around {$310000.00}, and Loan XXXX is active with United Wholesale Mortgage with a balance around {$340000.00}. I have two mortgages that both purport to be the first priority mortgage on my house when only one should exist. To this point, no one at United Wholesale Mortgage has been able to tell me what has actually happened to the {$310000.00} in funds that should have paid off the original loan.
Quite frankly, no one at United Wholesale Mortgage even seems all that interested in finding out what happened to the funds or helping me to solve the issue. I have spent countless hours over the last several weeks trying to resolve this issue to no avail. On different occasions, I have been told that the funds were returned to UWM and just needed to be reissued to XXXX XXXX, that the funds were never retuned at all by XXXX XXXX, and that the funds were returned but were sent all the way back to XXXX XXXX XXXX. To say that I now have doubts about the competence of your customer service is a severe understatement.
XXXX XXXX is adamant that they no longer have the funds from the transaction. They are also still holding XXXX XXXX as an active loan. As I have not made a payment on it since the refinance took place, they also now consider me to be in default on this loan. I worry that, because this loan still has first priority as a mortgage on my house, they will eventually attempt to foreclose on it if I do not begin paying them. I have avoided that at this point because I worry that it will muddy the waters even further.
I have begun making payments on XXXX XXXX to United Wholesale Mortgage, as this should be the active mortgage on my home. I do not make enough money to make payments on XXXX XXXX and XXXX XXXX simultaneously. If XXXX XXXX continues to press the issue that I am in default with them on a first priority mortgage, I will likely have no choice but to cease making payments to United Wholesale Mortgage on Loan XXXX and begin making payments to XXXX XXXX on Loan XXXX. Again, I would prefer not to do this as I worry it will only complicate things further.
I need United Wholesale Mortgage to definitively tell me what happened to the funds from my refinance. My best guess is they are currently being held by United Wholesale Mortgage, since both XXXX XXXX and XXXX XXXX XXXX are adamant that the funds are not in their possession. Once the funds are located, I need assistance in getting them to XXXX XXXX to clear the balance of XXXX XXXX. This loan has also continued to accrue interest for the last XXXX months, which will need to be addressed and should not be my responsibility.
I have attempted to solve this issue for weeks now.
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| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I was XXXX so I requested SCRA protection from UWM. Upon returning I relocated and needed a new loan so I sent in a waiver request to waive all of my protection on XX/XX/XXXX, and asked for an updated bill once the status is current. Never heard ANYTHING back from UWM, not even an acknowledgement letter. Fast forward to XXXX, my loan started showing " delinquent '' for {$0.00}, and received a bill for XX/XX/XXXX for {$450.00} in excess than my regular payments. I sent in a message to bring up the issue, and called the service number which I was told the issue will be fixed by XX/XX/XXXX when my loan was originally set to reinstate before the waiver. I was enrolled in XXXX so I waited, nothing. I went into underwriting for a new loan for a different property on XX/XX/XXXX, called UWM to reflect the issue again, was told once I made a payment the loan will be current, 4 different agent tried to make a payment none went through, NO ONE knew what happened. Stayed on the phone with UWM on XX/XX/XXXX for XXXX hours straight, finally someone figured out what to do and promised to remove the SCRA by the XXXX so I can make a payment. I found out then someone did waive my SCRA but did not inform me, and did not send a bill, and marked me delinquent which was why I could not pay. Finally on XX/XX/XXXX I was able to make a payment for XXXX which I never received a bill for AND for the incorrect amount to bring the loan back to current. On XX/XX/XXXX my account was AGAIN on hold and I was not able to make payments, AND I was at risk of being " delinquent '' again for the XXXX payment.
Called and costumer representative removed the hold, but the hold was quickly put back on and was told everything would be fixed by the XXXX. UWM decided to reverse my payment and put it in a suspense account. During the wait my underwriter wanted a letter stating I was out of XXXX and current. I have been released from XXXX XXXX since XXXX, not to mention I waived my protection and UWM took my payment, so I requested the letter, always get transferred to debt collection because UWM reversed my payment and debt collection refused to acknowledge the money in suspense account was paid. I had to insist that I have no control over what UWM does to my money once it is paid, they refuse to recognize my account was current so refused to provide a letter, and eventually I was told they will have the letter for me on the XXXX when they fix my account and put the correct amount towards my payment. XX/XX/XXXX came, NOTHING. Called and found out they only re-sent an old letter informing me I was under SCRA dated XX/XX/XXXX, I reminded the person I put in a waiver which was supposed honored and that's why they billed me ( without any written records ). They could not find any letter. Now my purchase contract is about to expire and my loan was conditionally approved since XXXX, all I needed was UWM payment history and proof showing I was no longer under SCRA. UWM serviced my loan horribly, did not have any form of communication for SCRA protection, they keep extend their own deadline and just don't know how to fix things correctly. I felt like I was being mocked for asking them to fix their own mistake, especially when they took my payment without wanting to show my loan is current.
Another thing, I requested SCRA in XX/XX/XXXX, and that request was NOT honored until XX/XX/XXXX. There was no communication of what to do and who to contact, the military email address they have on their website told me I emailed the wrong department. And after they forwarded my email to someone else, I received a response for " processing '', then nothing happened.
Calling costumer rep daily and keep being told I owed them money and don't recognize there's NO WAY I could pay was ridiculous. Waiting for a letter/updated statement for 2+ months is ridiculous.
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| 07/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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This is the outline of events through my loan closing - I was required to come up with an additional {$7200.00} that was never agreed upon or disclosed to me. Will also attach GFE that was signed, along with HUD that matches the signed GFE and the actual HUD from the day of closing where you can see in Section L, item XXXX changed XXXX XXXX. our credit was reduced from over $ XXXX to only {$830.00} XXXX.
Mortgage " Lender '' - United Wholesale Mortgage ( UWM XXXX Mortgage " Broker '' - Superior Rate Mortgage XXXXHome purchased - " XXXX '' XXXX/XXXX/15 - email from Broker letting me know the Disclosures are ready to sign ( online for electronic signature through UWM web portal ). XXXX page document that included fee compensation for Broker, a GFE, and breakdown of what fees were covered at closing by Broker/Lender/Borrower.
XXXX/XXXX/15 - returned ink-signed portion of disclosures.
XXXX/XXXX/15 - XXXX page Truth In Lending XXXX TIL XXXX disclosure sent that shows APR, finance charge, amount financed, total payments over loan lifetime, interest rate, & breakdown of monthly mortgage payment.
XXXX/XXXX/15 - Were notified late afternoon that there would be a XXXX week delay in the closing sale of my condo which would in turn delay the closing of XXXX ( issue on my Buyers side ). Called my Broker immediately to inform of the delay in XXXX closing. Was told that 'we can extend your rate lock and wo n't charge you so do n't worry about that, it wo n't be an issue '. Went forward like nothing had changed.
XXXX/XXXX/15 - XXXX page TIL sent over XXXX no one alerted to this coming and there was a lot of paperwork re-sent as the closings were delayed ). Looking at it, not much seemed to change. Overall expected monthly payment went down about {$15.00}.
XXXX/XXXX/15 - Day of closing, attorney informed that it looked like my closing costs had gone up XXXX $ XXXX. Looking further into this, my original GFE on the disclosures that were signed XXXX XXXX/XXXX/15 XXXX showed an origination charge of {$7200.00} and a credit ( benefit ) for the interest rate chosen of XXXX {$8000.00} XXXX. The HUD statement sent over that morning to my lawyer showed the same origination charge but the credit was reduced to ( {$830.00} XXXX. This was a reduction of {$7100.00} that I was required to come up with. As stated on the HUD statement, these are fees which can not change - their new HUD shows that credit as on the GFE and on the new HUD, looking like there is no change but I have many documents showing otherwise ( all are attached ). I was never given a new GFE and asked to sign off on the newly disclosed fees which was extremely misleading. The situation was compounded by the fact we had no contingency to purchase the new home XXXX separate issue we already dealt with, poor guidance from realtor ) - the situation now became pay the additional $ XXXX in costs to the Lender OR lose {$18000.00} deposit/fees already put into the new home and be homeless ( condo was sold XXXX days prior and was living in a hotel ). My situation was well known to the Broker prior to the closing day.
Another piece of evidence that this loan was not being properly handled was the fact that my Broker informed he was 'waiving ' his commission XXXX around {$1500.00} XXXX to help this continue forward. However, my lawyer let me know that the loan would not have been approved unless this fee was waived which would bring down my closing costs. The Lender had not only INCREASED my settlement charges and not disclosed the new fees to me, but then never processed my loan application with the new fees to make sure it would even still be approved. This turned into several hours of back & forth until the loan was approved all while sitting at the closing in my attorney 's office with the Sellers present.
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| 01/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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The problem that I am having with my mortgage company ( UWM ; United Wholesale Mortgage ) is simply removal of a property tax escrow account added to the loan several months after it was funded and despite several months of previous on-time payments. After several months of research, I discovered that due to miscommunication between the XXXX XXXX XXXX Tax Collector and myself despite my repeated, but unheeded attempts to inform the Tax Collector of my change-of-address from Washington, DC to XXXX XXXX XXXX XX/XX/XXXX XXXX my property tax payments had lapsed. Looking back this was most likely due to the Tax Collector Office shutdown in XX/XX/XXXX due to COVID-19. The history is as follows : I paid my XX/XX/XXXX property tax payment ( 1st installment for XXXX ) by a fund transfer from the checking account linked to my XXXX investment account. I received electronic confirmation that the transfer occurred, but for unknown reasons, the XXXX XXXX XXXX Collector did not receive the funds. Notification of this was sent to my Washington, DC address from which I had moved in XX/XX/XXXX. My multiple attempts to notify the Tax Collector of my change my address in XXXX, by mail, by e-mail, by calls, went unheeded. When I refinanced my mortgage in XX/XX/XXXX, I added additional funds to my closing escrow to pay the 2nd installment of the XXXX property tax. However, these funds went to pay the unpaid 1st installment for the same tax year, unbeknownst to me. Several months later, in XX/XX/XXXX, I noted that the automatic payment deducted from my bank account towards my loan, suddenly jumped from $ XXXX to ~ $ XXXX without notification from my mortgage loan servicing company UWM. I stopped the ACH payments after 3 of these payments had been made and began calling UWM " customer service ''. I frequently had to wait on the phone for XXXX - XXXX hours to speak with anyone there. When I finally was able to speak with UWM ( several weeks later ) and was informed of a new property tax escrow account added to my loan, I was surprised by both nonpayment of two property tax payments in XXXX, the accumulated {$1000.00} late payment penalty and the rude, insensitive nature of their debt collector " service ''. I then began confirming my property tax history with XXXX XXXX. Again, after several e-mails, calls with 1-2 hour holds, I finally spoke with the Office and learned of the initial non-receipt of tax payment in XX/XX/XXXX and lack of address change which I promptly corrected for the XXXX time. The time to research and discover these errors required 4 months while working full time as a XXXX XXXX developing XXXX treatments. In XX/XX/XXXX, I made a payment of ~ {$16000.00} to pay off the tax escrow loan and then made two more payments of ~ {$10000.00} and ~ {$3400.00} in XXXX and XX/XX/XXXX to bring the loan payments up-to-date and pay off the still accumulating tax escrow. I requested that the tax escrow loan be closed, having been paid off, to which UWM agreed in XX/XX/XXXX. However, in early XX/XX/XXXX, I was told that they reversed their decision due to a history of past due payments. Of note, I made both property tax payments in XXXX from my own funds and outside of UWM 's tax escrow account as a demonstration of my ability to do this. There is now over {$9000.00} in the UWM tax escrow account while I have already made the second installment of my XXXX property tax payment in XX/XX/XXXX. UWM, is now requiring that I demonstrate 24 months of on-time loan payments with continuing payments to the unused tax escrow account before they will consider closing the tax escrow account. I feel that they are holding my money for their own benefit and not in service of my mortgage loan.
I appreciate your assistance with this matter.
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| 01/10/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX XXXX XXXX, while living in an apartment, I entered a contract to purchase a home for {$150000.00} with a latest closing date of XX/XX/XXXX.
The sale price was including concessions of {$3000.00} for the seller to pay towards closing costs and {$1000.00} allowance for repairs needed. I paid for a home inspection and termite inspections on XXXX XXXX which were both favorable. We had agreed on the closing date of XXXX XXXX as the latest My lending XXXX XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX ordered an appraisal and the result was received by me on XXXX XXXX. The value on the appraisal was {$140000.00}. XXXX explained that the seller would have to reduce the sale price to adjust for the difference or he could submit a request the appraiser reconsider the value or ad other comps. XXXX suggested the reconsideration saying that the comps used were not appropriate since there were others in the area that were better suited. The seller was not able to adjust the price so I agreed to stay in the contract until I was forced to either give moving notice or renew my current lease on XXXX XXXX. I received a second, and third appraisal report from the same appraiser on XXXX XXXX and XXXX XXXX. Both with the same value. I was of the opinion at this time that the value would not change and because of the date, I was constricted to either find another property or cancel the contract so on XX/XX/XXXX I contacted my realtor and asked for the forms necessary to get my {$2000.00} XXXX money back and release me from the contract and then viewed another property but had still not been formally released from the contract so I was not able to put in an offer and lost the opportunity the next day as another buyer went under contract. XXXX contacted me on XXXX XXXX. and said he had spoken to several other appraisers and they agreed that the first appraisal was way undervalued. He said he would request a second appraiser to evaluate the property and if the value was appropriate, we could extend the closing date and work the deal.. I Told him then that I had to renew my lease by XX/XX/XXXX if we didn't have a deal. He said I should not make a decision on the property based on the first appraisal because in his words it was the worst he had seen. On XX/XX/XXXX I had not heard back from him and renewed my lease. In doing so, I have incurred additional rent costs, the loss of {$400.00} for the inspection and termite inspection and the ability to purchase a home until my lease runs out again. I did receive a second appraisal from Class Valuation, United Wholesale Mortgage XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XXXX XXXX from a different appraiser with a value of {$150000.00}. I have two main problems with this process. First, obviously, if I had received the second appraisal first or in a more timely manner, I would have been moved into my own home. Second, now having two appraisals with a discrepancy of nearly 15 % how would anyone know what is a fair value. Also, knowing the the house was purchased less than two years ago for {$130000.00} and having an average appreciation rate in the area of less that 3 % over the last 5 years, how do you explain a nearly 9 % appreciation rate over the last 2 years. I completed a survey for the appraisal management company, XXXX XXXX and expressed my grievance but have not heard from them or received any kind of justification for the difference in values. There should be some accountability in this process. Also the two appraisal reports were very different in the way the values were calculated as there are no adjustment on the second. It appears to me to be an attempt to artificially inflate the housing market to accommodate the professionals in the industry.
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| 08/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Short Version : My loan is in a 180 day forbearance per HR748 as communicated to me by XXXX XXXX, Director - Consumer Affairs at UWM and by a form statement confirming the same dated XX/XX/2020. This was after my initial complaint to CFPB about my rights under HR748 not being granted initially. Since XX/XX/2020, UWM has grossly mismanaged my forbearance period. Even though I am in forbearance currently per the XX/XX/2020 form statement confirming so, my loan has since been designated XX/XX/2020 H.R.748 was signed into law granting borrowers the right to 180-day mortgage forbearance on federally backed mortgages unless the borrower requested a time period shorter than 180 days.
Around XX/XX/2020 I submitted information for forbearance via UWMs website.
UWMs online process did not ask if I requested less than 180 days. I wouldnt have requested less than 180 days had I had the option. My intention was to utilize the full 180 days granted by H.R.748.
XX/XX/2020 UWM auto debited my XX/XX/XXXX payment.
XX/XX/2020 UWM initial notification of the forbearance plan. o Forbearance timeframe was for only 90 days, not 180 days.
o Forbearance was back dated to XX/XX/2020 even though I had already made the XX/XX/2020 payment via UWMs automatic payment setup.
o UWMs Own Website Details on Automatic Payments states If your automatic monthly draft was set up with us, your payment will be stopped when your forbearance plan begins. ( Copy of UWMs own detail of automatic payments handling for CARES Act forbearance is enclosed. ) XXXX XXXX XXXX XXXX XXXX UWM cant both take an auto-debit payment and place my loan in payment forbearance for the same timeframe. UWM did not follow its own guidance on automatic payments relative to the forbearance process.
Around XX/XX/2020 I submitted a complaint to CFPB stating that UWM was non- compliant with H.R.748 by not granting me 180-day forbearance.
XX/XX/2020 XXXX XXXX XXXX, Director Consumer Affairs, UWM responded to my CFPB complaint detailing that my Forbearance Plan had been updated to the 180 days.
XX/XX/2020 UWM notified of 180-day forbearance, however, it incorrectly detailed the dates of XX/XX/2020 to XX/XX/2020. I made a payment on XX/XX/2020. The 180 days technically should be XX/XX/2020 to XX/XX/2020.
XX/XX/2020 UWM incorrectly notified me that my forbearance plan period was ending on XX/XX/2020, seemingly reverting the timeframe from 180 days back to 90 days.
XX/XX/2020 UWM notified me that an automatic extension on my forbearance period ending on XX/XX/2020 was granted and that my forbearance would now end on XX/XX/2020. This is incorrect because my forbearance length is 180 days.
XX/XX/2020 - Notice from UWM stating I missed a payment which can't be true as I'm in 180 day forbearance.
XX/XX/2020 - Another form letter from UWM stating I've defaulted on my loan. Again, not true, i have 2 confirmations from UWM detailing my 180 day forbearance.
XX/XX/2020 - Another form letter detailing that I've defaulted on my loan. Again, not true, I have 2 confirmations from UWM detailing my 180 day forbearance.
XX/XX/2020 - Called UWM Presidential Resolutions Line XXXX to try and resolve, left message, ivr states return call within 24-48 hours. No call back received.
XX/XX/2020 - Called UWM Presidential Resolutions XXXX XXXX to try and resolve, left message, ivr states return call within 24-48 hours. No call back received.
XX/XX/2020 - Called UWM Presidential Resolutions XXXX XXXX to try and resolve, left message, ivr states return call within 24-48 hours.
I HAVE ATTACHED A COPY OF THE LETTER AND DOCUMENTATION I PROVIDED TO UWM TO TRY AND RESOLVE THIS MATTER PRIOR TO SUBMITTING THIS COMPLAINT. IT HAS ALL THE BACK UP DOCUMENTATION DETAILING THE ABOVE FACTS.
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| 01/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
Older American |
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In XXXX 2015 we began applying for a mortgage through XXXX XXXX, President, XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX XXXX Mortgage XXXX XXXX XXXX served as the broker for an application to United Wholesale Mortgage, XXXX XXXX XXXX XXXX, XXXX, MI XXXX. An application was submitted to XXXX XXXX on XXXX XXXX, 2015.
On that same date, XXXX XXXX sent us a worksheet that included a Total Estimated Funds Needed to Close of {$140000.00}. In an attached email she assured us that " the Loan Estimate ... is always higher than the actual because everyone is over estimating. '' She added, " If we have the XXXX Docs back by Monday XXXX XXXX XXXX ) we will be able to order the appraisal, which is key. '' We returned the referenced XXXX Docs ( signed Borrower 's Certification & Authorization ) on XXXX XXXX. However, to our knowledge, the appraisal was not ordered before XXXX XXXX, when XXXX informed us that the appraisal report would be completed on XXXX XXXX. We did not receive the report from XXXX until XXXX XXXX. On XXXX XXXX, XXXX sent a Loan Estimate, including Estimated Cash to Close of {$140000.00}. We were informed that we would have a Closing Disclosure on XXXX XXXX, to allow 3 days ' notice before closing, as required by new federal regulations.
Instead of sending the Closing Disclosure on XXXX XXXX, XXXX informed us that the lender had additional questions for the appraiser to address. XXXX notified the appraiser, and he answered the questions the same day. On XXXX XXXX, United Wholesale Mortgage, via XXXX XXXX sent a Closing Disclosure, described on the Disclosure itself as " a statement of final loan terms and closing costs. '' It included {$140000.00} Cash to Close. Based on this amount being described as " final, '' we had {$140000.00} wired to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
All parties assured us that the closing would occur at XXXX on Tuesday, XXXX XXXX. On that date, we traveled from our home in XXXX to XXXX XXXX to sign the documents. We spent the rest of the business day XXXX waiting for XXXX, XXXX XXXX XXXX XXXX, and United Wholesale Mortgage to prepare the documents for our signatures. When the documents were not ready for signature at the close of business, we returned XXXX, with assurances that notaries from XXXX XXXX XXXX would bring the documents to our home XXXX for signature before noon on XXXX XXXX.
Instead, on XXXX XXXX, we received a second Closing Disclosure - yet another " statement of final loan terms and closing costs. '' This so-called final statement included Cash to Close of {$150000.00}, which was {$6400.00} more than required on the previous " statement of final loan terms and closing costs. '' XXXX offered no understandable explanation for this increase.
When we balked at the additional funds required to close, XXXX suggested that we could reduce, but not eliminate, the difference by accepting a higher loan rate. This was not an acceptable solution. Despite the fact that we did not have the required 3 days ' notice of the actual amount required to close, figuratively speaking, we had a XXXX to our head. If we had not signed, our loan rate would have expired and we would have lost {$6500.00} in earnest money and option fees. We also would have been in breach of our contract with the seller. So, under duress, we agreed to send the additional funds, and the closing took place at XXXX on XXXX XXXX at our home.
In short, our complaints are that XXXX XXXX Mortgage put us at significant financial risk through their untimely request for the appraisal and United Wholesale Mortgage 's " final '' Closing Disclosure of XXXX XXXX was fraudulent.
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| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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United Wholesale Mortgage ( UWM ) engaged in fraudulent practice with us by prevarication and deception during the closing of a proposed loan with them.
Timeline of events is below : 1. Submitted loan application which was accepted, assigned a loan number, and provided a XXXX on XX/XX/22 with an anticipated closing date of XX/XX/22. The rate was locked.
2. It should be noted that we, as borrowers, responded to each of UWMs request within one business day. Thus, UWM had a clear picture of our income as compared to debt, from day 1.
3. Upon acceptance of the XXXX and an agreement by the underwriter to fold the closing costs of the loan on the back end, we moved forward with their request of a property appraisal. The appraisal was scheduled and paid for on XX/XX/22.
4. Over the next 2-week period, UWM requested numerous materials including copies of our lease agreements with our tenants ( the refi was for an investment property ), copies of bank statements and the like. We responded timely to each request.
5. We signed documents for the loan on XX/XX/22 to keep the process moving forward. At this point UWM had several financial documents from us.
6. On XX/XX/22 we received an approval letter from UWM.
7. On XX/XX/22 UWM suddenly changed course and stated that we would have to come to closing with {$40000.00} cash, rather than fold the closing costs back into the loan, as had been discussed previously. At this time, we decided not to continue with the loan as we did not want to pay this amount. UWM knew that we had the money available - we contend that they either wanted us to pay all along and had been intentionally misleading or they came up with a XXXX problem at the last minute. There was no new information for them to suddenly change course. This prevarication came from XXXX XXXX at UWM.
8. Our loan officer notified UWM that we were withdrawing our loan application on XX/XX/22.
9. On XX/XX/22 UWM sent a derogatory letter, a " credit denial '' letter stating that we had excessive obligations in relation to income. To be clear, we had already withdrawn our application- there was nothing to " deny '' at this point. Further, our debt-to-income ratio is 38 % which is far below the XXXX requirements for just about any loan. The income exceeds {$13000.00} monthly while our debt, which consists of JUST XXXX LOANS, is less than {$5000.00} monthly. This refinance was to replace one of the XXXX loans. The adverse action letter came from XXXX XXXX of UWM at XXXXXXXX XXXX Monday XX/XX/22.
10. At XXXXXXXX XXXX Monday XX/XX/22 we received an automated message to log in to the UWM platform to sign the documents to move towards closing the loan.
HOW CAN BOTH OF THESE THINGS BE TRUE AT THE SAME TIME - a loan denial and a request to sign documents to close said loan in the same day just hours apart?
There is either gross incompetence or nefarious intent regarding this process. UWM should be thoroughly investigated. We want ALL of our personal documents destroyed, confirmation that this has been done, and an apology from UWM for wasting our time. They knew from the very beginning of the process what our income and debt profile looked like. They had " proof '' of our income as provided by the numerous financial documents and " proof '' of our debt as provided by the credit report and the mortgage statements that we provided to them. Our only debt is from XXXX mortgages that encompass 38 % of our income. There is no way that one can interpret that our debt obligations are excessive compared to the income. There is something else going on with them. Discrimination perhaps? Please investigate.
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| 10/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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I am writing to bring to your attention a pressing issue I have been facing with my mortgage payments. On XXXX, I proactively set up automatic monthly payments to ensure the timely payment of my mortgage and maintain a positive payment history. However, I was surprised and dismayed when I was charged a late fee, despite having initiated the auto payment process.
Upon discovering this issue, I immediately contacted my bank to confirm that there were sufficient funds available to cover the payment request. To resolve the matter efficiently and avoid unnecessary charges, I reached out to XXXX for assistance before proceeding with any payment. Unfortunately, the response I received from XXXX was both perplexing and disappointing. I was advised to make the payment first and only then seek a resolution after the payment was completed. This approach contradicts the standard practice of addressing issues before payment, leaving me with no choice but to reluctantly make the payment to prevent further complications.
In an effort to facilitate a swift resolution and a refund of the late fee, I composed a formal email outlining the circumstances and attached my bank statement as evidence of the availability of funds on my end. However, my recent conversation with a XXXX customer representative has left me disheartened. When I inquired about the possibility of a refund for the erroneously charged late fee, I was informed that once a payment is made, there is no option to refund or waive the late fee. This response is in direct contrast to the guidance I received prior to making the payment, which led me to believe that a solution could be pursued after payment.
My dissatisfaction with this situation arises from several factors : Mismanagement of Funds : XXXX is responsible for ensuring the smooth collection of funds from my bank, and my bank confirmed that sufficient funds were available.
Conflicting Advice : The initial advice from XXXX recommended making the payment first and then seeking a solution, which contradicts the standard practice of resolving issues prior to payment.
Lack of Consistency : The inconsistency in XXXX 's responses before and after the payment has left me feeling misled and unsupported.
As a result of this ordeal, I am now forced to explore alternative payment methods, such as cashier 's checks, to prevent further complications. This inconvenience could have been avoided had the auto payment setup functioned as intended or if XXXX had provided more consistent and helpful guidance.
I kindly request that you thoroughly review my case, considering the details provided in this email and the supporting documentation. I believe a fair resolution would involve waiving the late fee, which was charged due to circumstances beyond my control and the contradictory guidance provided by XXXX. I have always upheld my financial responsibilities and expect the same level of commitment from the institutions I engage with.
I have previously filed a complaint with the Better Business Bureau ( BBB ) regarding this issue, but unfortunately, it has not yet been resolved. As a result of this unresolved matter, my credit has suffered significant damage, leading to a decline in my credit score. Additionally, I continue to incur late fees on my account. I did receive a letter from United Wholesale Mortgage ( UWM ) concerning this matter ; however, the letter did not provide a clear explanation of the situation. The primary communication from XXXX thus far has been an assertion that I have missed my monthly payment without a detailed explanation or resolution plan.
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| 05/14/2021 |
Yes |
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- Trouble during payment process
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Web |
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UWM Escrow department has made several errors on my Impounded Escrow Account forcing me to seek help and terminate my business with UWM. UWM continues to make misleading statements that are inaccurate based on the many recorded conversations and written forms of documentation. UWM had continued to punish me by continuing to take money from my impounded account and inaccurately disbursing it. I reached out to UWM Escrow Department several times as evident by the many many logged and recorded phone calls beseeching their help to fix their internal issues and correct my impounded account. After many promises and apologies for the almost a year 's worth of errors nothing was ever fixed again only apologies and asking for my continued patience while the issue is reviewed internally. UWM Stating each time UWM would pay me back for penalties that were not of my doing and fix the ongoing internal errors. This never happened. Please review all the recorded Phone calls that UWM has access too for validity of my statements and attachments.
1. UWM continued to take money out of my impounded escrow account and send the wrong amount to cover my property taxes not once but several times. As a result my property taxes were late both times in 2020, XXXX and XXXX UWM stated as can be confirmed by the many recorded phone calls that I would be reimbursed for these fees since they were not my fault but the ongoing error of the Escrow Department at UWM . Unfortunately a company representative claimed to have no record of the over 50 recorded phone calls made by myself stating to me that I would receive reimbursement for both late fees as a result of UWM Escrow Departments errors. Please see Attached.
2. UWM see Attached, lied and stated UWM was not aware of a discrepancy in tax amounts. Please see attached letter sent to UWM by County Tax Office who not only sent this letter but other forms of communication to allow UWM to correct their internal errors. So besides myself constantly calling on a recorded line other forms of communication were sent to UWM in an effort to help correct the mistake from UWM Escrow Department.
3. UWM constant errors forced me to close my impound account because in the middle of all the mistakes made on my impounded escrow account UWM choose to reassess my impound account and increased my payment over a thousand dollars a month until the internal error from the Escrow Department could be resolved during the upcoming year. This was unacceptable to me.
4. UWM forced me to refinance my Home Loan due all the internal errors from UWM causing my payment to increase over a thousand dollars monthly and in the process of doing so UWM legal department choose to provide inaccurate statements about my Home loan in an effort to force me to pay more interest to delay my loan. Please see attached. UWM denied such claim please see attached.
5. UWM took it upon themselves to pay more then one Insurance company claiming to be my Home insurance provider from my impounded escrow account. Not sure how this happened when my account showed first company and subsequent companies receiving payment from my impounded Escrow Account. UWM told me I had to call each company and request for reimbursement even though it was UWM who sent payments from my impounded escrow account.
6. How is it possible that UWM could make this many internal errors at my expense with no accountability, constant apologizes, statements asking for patience, all while being recorded and with written documentation to support my claims.
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| 11/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I contacted Mrs XXXX XXXX XXXX ( aka XXXX XXXX ), a mortgage broker who works with XXXX XXXX XXXX, on XX/XX/2018 inquiring 30 year fixed mortgage interest rate and related loan costs with 25 % down payment for an investment property. She told me that the 30 year fixed rate would be 4.75 % and the related fees would be {$1200.00} XXXX {$450.00} appraisal fee plus {$750.00} underwriting fee, Exhibit A ).
The loan was a non-point mortgage. However, when I received the Loan Estimate on XX/XX/2018, I noted that there was about {$3000.00} point charge. I told Mrs. XXXX clearly that I would accept a high interest rate rather than have points with the mortgage ( Exhibit B ). She assured me that the loan had no point and she would refund me the points charge after settlement ( Exhibit B ). She also told me that she had to maximize the estimate and the Closing Disclosure ( CD ) would show the accurate numbers ( Exhibit B ). I believed what she told me and expected that the points charge would be removed from the CD, and the CD would show correct numbers of the loan related fees. Per my request, Mrs. XXXX locked the rate at 4.75 % with no points on XX/XX/2018.
The settlement was scheduled on XX/XX/2018. However, I did not receive the CD until the evening of XX/XX/2018, and the CD still showed a point charge of {$2700.00}, and the other loan related fees were {$1500.00} ( Appraisal {$640.00} + Underwriting fee $ XXXX= {$1500.00}, Exhibit C ) instead of {$1200.00} as I was told in the beginning ( Exhibit A ).
After settlement, I emailed and texted Mrs. XXXX many times asking her to refund me the point charge, and she did not respond to my emails and texts. I also called her many times but she did not answer my calls. When I eventually reached her, she had no intention to refund me the point charge.
In summary, Mrs. XXXX and the lender United Wholesale Mortgage had the following violations of ethics for mortgage professionals and mortgage related laws : 1 ) Intentional misrepresentation and deceptive actions regarding mortgage related costs : As shown in Exhibits A and B, I was told that the mortgage had no points and the loan related fees were {$1200.00} in the beginning. However, the lender charged me {$2700.00} point fee and other loan related fees of {$1500.00} at closing ( Exhibit C ). If I were told the truth, I would definitely switch to other lender.
2 ) Fraud promises : Mrs. XXXX told me that she would refund me the point charge after the settlement ( Exhibit B ), however, she had no intention at all to refund me the point charge. I was told that the numbers shown in the Loan Estimate were just estimates and the CD would show correct numbers. However, the costs disclosed in the CD were basically the same as those in the Loan Estimate.
3 ) Violation of the Real Estate Settlement Procedures Act ( RESPA ) : According to RESPA, the CD must be provided to the consumer three business days before the loan is closed. However, the lender did not issue the CD until the evening of the scheduled settlement date ( Exhibit C ). If I were provided with the CD three days prior to the settlement, I would have an opportunity to request the lender to correct their wrongdoings before I closed the transaction. Because the CD was issued in the evening of the settlement ( Exhibit C ), I was forced into a dilemma : closing the transaction as scheduled and paying the extra fees due to the broker/lenders fraud actions, or postponing the transaction to solve the issue and paying the penalty per the purchase contract.
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| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Earlier this year, my husband and I refinanced our mortgage. We were required to prepay our XX/XX/XXXX property taxes as part of the refinancing. Our closing agent, XXXX XXXX, did not successfully forward these property taxes to the local government. It is possible that XXXX XXXX sent a check that got lost in the pandemic shutdown. Nonetheless, XXXX XXXX clearly did not have any processes in place to ensure that the property taxes were paid / the check cleared, because in XX/XX/XXXX, we started getting notices from our new mortgage company, United Wholesale Mortgage, subserviced by XXXX, with property taxes handled by XXXX, that the XX/XX/XXXX taxes were never paid. After intervening multiple times directly with XXXX XXXX, over the course of four to six weeks, including having our mortgage broker contact them, they finally canceled their earlier check and paid the XX/XX/XXXX taxes plus the penalties in late XX/XX/XXXX.
In the meantime, I followed all the steps that UWM / XXXX / XXXX instructed me to take to resolve the situation. I sent emails to both the XXXX and XXXX email addresses provided ; I sent documentation ; I called XXXX multiple times. I never got a response to any of the emails that I sent, and although the XXXX representatives were always courteous on the phone, they never were able to solve the situation or direct me to anyone who could. I told them multiple times that I had paid the XX/XX/XXXX property taxes in XX/XX/XXXX and it was inappropriate to collect them from me.
Despite all the information that I sent UWM / XXXX / XXXX, they paid both the XX/XX/XXXX and the XX/XX/XXXX property taxes in XX/XX/XXXX, after XXXX XXXX had finally paid the XX/XX/XXXX property taxes. They also then set up an escrow account -- which my mortgage explicitly did not have -- and started billing me for the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX property taxes, which, as you can imagine, is a sizeable amount of money.
I have subsequently called UWM / XXXX / XXXX multiple times, explaining that ( 1 ) I do not want and did not ask for the escrow account ( 2 ) the XX/XX/XXXX property taxes have already been paid by Nations Title, and if UWM / XXXX / XXXX went ahead and paid them after my multiple attempts to ask them not to, it is UWM / XXXX 's responsibility to try to get that money back from the government, and not to try to collect it from me. I also reimbursed UWM / XXXX for the XX/XX/XXXX property taxes ( again, I do not want to escrow ).
Two calls ago, more than a week ago, I was told that if I did not want to escrow, I had to submit a written request. I submitted that written request. I never heard back. When I called on XX/XX/XXXX to confirm that the large escrow payment would not be taken from my checking account today, XX/XX/XXXX, they said it was already in the system and could not be changed. They also promised that a manager would call me back. The manager never called.
Today, a very large sum of money was taken out of my checking account that I have not authorized and have repeatedly told these companies that it is not appropriate to take from me. I have been very disappointed by their lack of responsiveness. Contacting them is like sending a letter into the void -- but I have a greater confidence that the void would actually do something.
If anyone is reading this, I strongly recommend avoiding UWM, XXXX, and XXXX, if at all possible.
Meanwhile, I have also escalated this matter with the taxpayer advocate in my local government.
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| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage has had terrible customer service as I have been speaking to them weekly since the first week in XXXX. Nobody knows what is going on with my account and they continue to give me the run around on the phone even after escalating my claim.
I have been in constant contact with UWM since the first week of XXXX when my monthly mortgage payment jumped from {$1500.00} to {$260000.00}. That is extra {$1100.00} that is now being added for taxes and insurance. First thing is I paid my house insurance separately and should not be billed for insurance. Secondly, I never received an email, phone call or letter in the mail stating that my account will be getting charged for taxes. When we took out this loan it was supposed to be an escrow free loan. This change in payment caused me to call and question everything that was going on and thats when I realized this was no small mistake. Little did I know this would turn into a XXXX month battle with UWM. When I checked my town website for taxes I was mortified that I had a lien on my house for unpaid taxes. When I went to my town clerks office they said the bill was sent to UWM which in turn UWM should have notified me right away since this mortgage was not set to pay taxes. I received nothing so to prevent more late fees from accruing I paid off the balance for the XXXX taxes which was {$3500.00} ( of that total {$330.00} was interest accrued ).
When I called UWM again they mentioned a check being sent out in XX/XX/2023, however they could not provide me with a check # or whether or not the check has been cashed or deposited. I confirmed with my town tax collector they had no check on file. My tax collector was able to get me more information than every single representative I spoke to at UWM. After again calling UWM and escalating I found out that core logic sent out XXXX new payment checks. Why XXXX, I have no idea considering I uploaded proof that I paid the XXXX taxes. My tax collector cashed the that was received for a total {$3500.00} and then returned the check for {$3400.00} on XX/XX/2023. This should have automatically been credited back to my account. Instead I am still being charged for the full amount of the escrow advance.
The escrow advance that I am being charged for is {$7300.00} which is a lot higher then what my taxes are. My taxes are {$3500.00} typically {$3200.00} without late fees ( due XXXX ) and {$3400.00} ( due XXXX ) for a total of {$6900.00} ( include late fees ). There is discrepancy in how much the escrow advance should be as I am now being over charged. I also should not be held responsible for the {$330.00} late fees for my taxes. My account should go back down to what I was paying monthly before the tax diabolical happened. I should be paying {$1500.00} until UWM can complete the investigation that has been going on XXXX months now.
It is really disappointing that a company can not just cancel a check and refund my account. Its also more amazing that the only way you can contact core logic is through email according to every single one of the agents who I spoke to over the phone.
I have submitted proof of the following documents to UWM : Proof I paid XXXX taxes proof XX/XX/XXXX core logic never received funds proof that the second check was returned proof of how much my taxes are escrow Advance applied to my account My biggest concern is they will not resolve this issue and I will be stuck paying an additional {$3400.00} towards my taxes.
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| 02/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Before taking out a mortgage with this company ( UWM ), I specifically spoke to their representative about not having PMI on the mortgage. This conversation took place around XX/XX/2019. The representative explain to me that I needed to make 1 payment once the mortgage started, and then they could remove the PMI from the mortgage. The representative said that the company would just use the appraisal that was just done to close on the property since it was so new. The reason the representative gave was that the equity in the loan could not be transferred via purchasing the property at the time of sale, but the equity would be considered once the loan has begun and a payment was made. There was 25 % equity in the home at the time of purchase. The 1st appraisal that the mortgage company ordered to approve the loan and purchase the property was XXXX, and the purchase price of the property was $ XXXX, with XXXX down to close. I closed on the loan, and purchased the property. Within the first 8 weeks of owning the property I completely updated the property, and put approximately XXXX in upgrades in the home. I then contacted the mortgage company to remove the PMI as I had already made my first payment toward the mortgage. The mortgage company then stated they needed to send out another appraiser to do another appraisal on the property, despite telling me initially that they would use the 1 that was only 2-3months old. The mortgage company hired a different appraisal company to come view the property, and when this appraisal came back it was at XXXX, and so the mortgage company said they could not remove PMI because there was not enough equity in the home. Upon looking at the 2nd appraisal that was done I noticed huge inconsistencies. Two of the comparable 's that the appraiser used had recently sold for approximately XXXX, but the appraiser shows a XXXX reduction in the value of each of those properties with no explanation at all. The 3rd comparable that was used was a property that was not livable in the condition it was in, and needed a ton of work before being habitable. I seen this property myself because I actually put in a bid to buy it as a project. I then asked my realtor to run new comps just to see where the neighborhood was currently selling, and it was still at 300-320k plus depending on if your home was updated. I asked the mortgage company to explain how would a home lose XXXX in equity in 2 months, in which they can never give a response and just keep saying we understand your frustration and we are looking into it. I spoke with supervisors repeatedly over months, and they still have not solved anything. The last conversation I told them a new appraisal needed to be ordered, paid for by them, and it needed to be a mutually agreed upon appraisal company, not some company that just works for them. The mortgage company said they could agree to do that and needed to go through the approval process to get a 3rd appraisal done. This conversation took place in early XXXX of 2019. Since then I've called numerous times and left messages for the supervisors handling this matter to call be back to discuss, because a 3rd appraisal has still not happen, and I'm not getting any call backs at all. They are just ignoring me. Meanwhile I'm still paying $ XXXX/month for PMI, that should not be on the mortgage to begin with. I've attached both the 1st and 2nd appraisals so that you can see the extreme inconsistency with the 2nd appraisal.
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| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello My wife and I purchased an apt in XXXX XXXX, Florida and had a mortgage with United Wholesale Mortgage. Within a day of moving in we set up autopay on the uwm.loanadministration.com website. We set it up using our account # and routing #. It showed on the website it was accepted and still to this day it is accepted. We have come to find out that UWM has not accepted any of our payments and reported missed payments to the credit bureaus and our credit score has dropped by over 180 points. This is incredibly frustrating since we were punctual with all payments and very much rely on our credit score to run our business. UWM says they sent us mail and tried to call us. We are on the road with our business the majority of the year and that is why we immediately set up autopay. UWM also said they called us. We did receive a call from an unknown number claiming to have important information about our mortgage, but they could not verify any information about us and only asked for personal information which we were not comfortable giving out. We had no choice but to hang up. We run a business and get daily calls from people asking for private information - calls about our mortgage, auto insurance, auto warranty, equipment warranty, promotional spam calls and have lots of experience in declining these types of invasive calls. We know the best course of action and most secure form of communication is to use the online portal between the company providing a service and us. We do this with our bank, phone bill, auto insurance, electric and so on. Each one of these companies strongly encourage to use the online portal only. We have spoke to UWM and they do not care to help us at all. They said they called and sent mail. Mail is not an acceptable form of communication nor is a phone call which can not verify who they are calling from. We live in a technologically advanced society. You would think that a company like UWM would understand this would get up to date. There is no notification on the website and it still shows our ACH set up as valid. We just got off the phone and spoke with UWM - we explained to the agent that email and the portal would be the best form of communication with us. She said that email isn't secure enough. Then she went on to tell us we should have received emails about our mortgage payments not going through which we have no evidence of. Oddly enough we went through all the emails from UWM. There were ones saying " congratulations on autopay '' and one encouraging us to get " paperless ''. We asked her if she could provide proof that these emails were sent and she would not give an answer on this. This is all taking up a lot of our time and we are very busy often working everyday trying to run our business. It all comes down to the fact that UWM has a terrible website and customer service. We are just a number to them and they could care less about how they have ruined our credit score. We just had to buy another XXXX XXXX for our business and our credit score cost us dearly and we have a high interest rate. We are just asking for UWM to do the right thing and help us repair our credit score. I write this as I am still looking at another window open on my computer congratulating me on my autopay. There is no flag on the account when signing in on UWM website and the message center is empty.
***I am trying to upload screenshots of the emails and the UWM account but your website is not allowing me to upload***
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| 03/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I want to report this mortgage company ( United Wholesale Mortgage ) who you would expect to be competent in handling and processing escrow accounts with their loans. My experience with them confirms the exact opposite. I think it could be really bad processing with their terrible system, or just incompetence, or intential. No matter, the issue is, it is costing my and very likely others like me, a lot of money and wasted time because of how they are screwing up the escrow accounts. I refinanced back in XXXX of XXXX and set up XXXX different mortgages with them for my rental properties. Since then, it has been nothing but one XXXXXXXX XXXX after another. Just about every week their " system '' started spiting out threatening letters telling me they don't have proof of insurance for my different accounts and if I didn't get them proof of insurance, they would find insurance for me and I would have to pay for it, when in fact, I had already sent the XXXXXXXX XXXX in to them. Their message center just spits out standard answers that make no sense at all. The only other way to communicate with them is to call. Not only does it take a unreal amount of time, but the person you talk to is no help and every time I would call, I would get a completely different answer. I could give you a great deal of examples, but I will try to just give you a few. They didn't pay my tax bill in XXXX of XXXX. I was never notified and just found out in XXXX of XXXX that my tax collector had been adding on interest and late fees since XXXX. They made multiple payments out of different accounts for premiums and tax invoices for the wrong account out of the wrong escrow account. It was a complete nightmare that as of today ( XX/XX/XXXX ) I am still trying to correct. They took money out of one escrow account for a " gap '' in my insurance for last XXXX. I had to get an email from my insurance co stating there was no gap and stating that they sent them " multiple '' notices of my coverage. I have been trying since XXXX to remove my escrow accounts because of this torture they have been putting me through, but they make it almost impossible to do so. They keep asking for letters and signed requests and then tell me they didn't receive them after I have sent them in multiple times. They constantly give me false information on the phone. Almost every time I call, I get a different answer. At XXXX point they told me my escrow accounts would all be removed on XX/XX/XXXX. It was a lie. It's now XX/XX/XXXX and now they are telling me XXXX of the XXXX accounts will be removed on XX/XX/XXXX. Excuse me for not believing anything they tell me anymore. Bottom line, it's been a complete nightmare and waste of time, money and aggravation. I could give many other examples, but hopefully you got the picture. It's been an unbelievable experience. I've dealt with over XXXX different lenders these past XXXX years and never had any problems with my escrow accounts, which made it that much harder to believe what they were doing to me. I would say it was a form of abuse, for sure! And it's not over yet, unfortunately! I feel sorry for anyone else they are doing this to! I have a huge stack of papers and notes from all of these nightmare situations. If they are needed, I can send them in, but I have already wasted so much time on this, I just want it to end and let me throw out all evidence of this terrible experience, so I don't have to be reminded of it.
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| 04/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hi, We greatly need your help. We initiated a Refinance Loan with XXXX XXXX on XX/XX/XXXX and locked in an incredibly great rate of 2.85 % with cash out. United Wholesale Mortgage ( UWM ) was selected and agreed to fund our loan. We have provided our documents upon request within 24 hrs and have done everything in our power to get this loan closed. We have excellent credit above 800, stable employment with documented income, and our home value is more than 2 times the mortgage refinance amount. We have never missed a payment in over 10 years of home ownership.
This loan is now over a month and a half into the process and the loan is not closing caused by delays from United Wholesale Mortgage ( UWM ), meanwhile lock extension rates are accruing on our behalf. UWM is unresponsive and we are unclear what is needed to finalize our loan and why our loan hasn't closed. In addition, we do not feel that we should have to pay the loan rate lock extension fees, which are unfairly charged to us, as we have met all requirements in a timely manner. We are being charged nearly {$1900.00} in extension and I was just notified by XXXX XXXX that we are going to miss the close deadline again, meaning even more fees.
On XX/XX/XXXX, I received notification from XXXX XXXX that UWM was not funding loans and basically leaving borrows out to dry ( not just our loan, but all loans they agreed to finance ). We were told that UWM was not responding to the XXXX XXXX team and delaying the process. Since UWM had not been responding to our Loan Consultant, I took it upon myself to reach out to UWM directly. I first spoke with a service rep who said that contrary to what XXXX XXXX told me, UWM is funding loans and wants business now. I relayed this message to back to our Loan Consultant at XXXX XXXX, who has a paper trail to document their lack of response and delay from UWM.
I then reached out to the UWM loan Account Executive assigned to our account. He said he was legally not able to answer any questions or help me out, but would get in touch with XXXX XXXX. Nothing was resolved.
Last effort, I reached out the the AVP at UWM with a detailed email explaining the situation. I have not received a response.
This has been a very frustrating and stressful process. I realize that things are a crazy with the Pandemic and understand that delays could potentially occur due to people working from home, in addition to the low interest rates that sparked a whirl wind of refinances. I have been patient with the process, but there is a lack of communication and an uncertainty if we are going to get this refinance at the incredibly low rate we locked in of 2.85 %, which will likely not going to come around again anytime soon.
We want to close our loan with the original terms that we we agreed to. We do not feel that we should be responsible for the fees associated with the delays caused by UWM.
During this pandemic, I am also working from home, raising XXXX kids and home schooling, yet, I am turning around on all the requests that have been made in a timely manner. I am upholding my end of this loan agreement and have been ready to close this loan for over a month. I ask that UWM do the same.
Please help us secure this loan that I have invested much time and money ( paid for appraisel ). Please let me know if I can supply any documentation or information that can help out.
Thank you for your assistance.
Best Regards,
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| 05/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I own a condo which is 24 % of the general building and therefore owe only 24 % of the lot taxes. On XX/XX/XXXX, my mortgage company, United Wholesale Mortgage, incorrectly paid property taxes on the entire lot, paying about 4x more than what I owed and overdrawing my escrow account. In early XX/XX/XXXX, I first notified my company of this mistake via a chat feature in my online portal, which they told me I would need to correct with the tax office. The tax office then told me that it was an issue for my mortgage company to fix, so I reached out again via a contact form on the portal on XX/XX/XXXX letting them know that the tax office confirmed it was theirs to correct and providing them with the correct tax account to link. They did not do this. They also asked me to fax this information to them, so I did on ( I believe ) the same day. As far as I am aware, the mistake was still not yet corrected and they appear to have made no effort to resolve the issue. One of my neighbors works at the tax office, and through him I was able to get a refund issued to my mortgage account -- {$6000.00} was refunded on XX/XX/XXXX. The second Instead of reflecting their mistake, the mortgage company nearly doubled my payments to make up for the negative escrow account that they overdrew. Starting XX/XX/XXXX, I was charged {$4100.00} per month instead of {$2800.00}, and these increased payments continued through XX/XX/XXXX. Multiple times during this range I again reached out to the company ( again, through their chat on my online portal ) to let them know that these increased payments were incorrect. I was told once that they would be readjusted by the end of XXXX, which did not happen. I followed up in early XXXX ( via portal chat ), and they again told me that they would reevaluate my account and fix the incorrect payments. This finally happened for my XXXX payment. On XX/XX/XXXX, the mortgage company issued a check to reimburse me for the overcharged escrow, which amounted to {$7000.00}. However, there was an issue on my bank 's side cashing the check, and it was cancelled. I immediately contacted the mortgage company over the phone when this happened ( XXXX ) and was told that the check would be reissued in 8-10 business days. I sent an additional email on XX/XX/XXXX with information from my bank that would allow the mortgage company to have my money directly deposited into my account, as I was out of the country for several months and would not be able to receive the check in the normal mail. They responded on XX/XX/XXXX confirming that this information was provided to the team for processing. A month went by without receiving a check or further communication, I sent a follow-up email on XX/XX/XXXX requesting an update on the check being issued. They responded that day that I would receive an update within 24 hours and never received another response or the check. I sent three more follow up emails, one on XX/XX/XXXX, one on XX/XX/XXXX, and another on XX/XX/XXXX. I did not receive a response to any of those three emails. As of today, XX/XX/XXXX, I have not received any further correspondence from the company nor the check that I am do. They are not responding to me anymore and their withholding of my {$7000.00} is causing me financial difficulties, as did them drastically increasing my mortgage payments for months due to their mistake.
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| 03/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We closed on our current home in XX/XX/XXXX. Our current mortgage, United Wholesale Mortgage ( UWM ), started servicing our loan in XX/XX/XXXX. Since then w have paid our property tax together with our mortgage payment, dispersed equally over a 12-month period.
That year, in XXXX, we paid {$4100.00} in property tax. This tax amount was based on the previous owner 's taxes since we bought the property mid-year. In XX/XX/XXXX UWM was sent a property tax bill for XXXX so they could calculate my monthly payment based on the current tax amount ( for XXXX ). The tax bill, for XXXX, was {$7500.00}. In XXXX or XXXX, UWM did their annual escrow review analysis and projection for the upcoming year, XXXX, calculating the tax payments to be based on the {$4100.00} tax amount, NOT the correct amount of {$7500.00}. When I spoke to them, they blatantly lied to me saying they didn't receive the bill. That's a joke! And I know they were sent the bill because I also received it - just as an FYI from the property appraisal 's office.
So basically, they didn't consider the most current tax amount, which was almost double the amount and just continued to use the old, incorrect tax bill amount.
As a result of this, my escrow was depleted and went into the negative, so when they paid my tax bill in XX/XX/XXXX, they had to put up their own funds to make up the difference. This was in XX/XX/XXXX, but they said nothing. They failed to inform me of this in any shape or form, not electronically, not via regular post. They did not let me know this was happening. Just like they failed to prepare a correct escrow review analysis and correctly calculate my payment for the upcoming year, XXXX. Three months went by before they bothered to let me know of this, namely this week, in the first week of XX/XX/XXXX, I received a newly prepared escrow review analysis, stating that since I was in the negative due to incorrectly calculated previous payments, I need to make up for {$6000.00}, and that means my monthly payments will now go up by {$840.00}! {$840.00} more a month! Unbelievable! Why? Because they NEGLECTED to notify me of the negative escrow account because they NEGLECTED to provide the correct review of my escrow account last year, so I could have been prepared for a higher payment. This is NEGLIGENCE on their part and now I must pay for it by having to come up with an extra {$840.00} in less than a month! Because someone on their team didn't do their job. Furthermore, they're not even willing to speak with me! They denied my request to escalate my concern with the supervisor and left my grievance with customer service representatives both times I called, who technically is powerless to make any kind of decision. They don't even have access to a lot of information. That is UNACCEPTABLE!
Not only did my mortgage company FAIL me as their customer, but they also failed me to offer any kind of solution. They FAILED to communicate with me about any changes. They just slapped me with " here you go, your mortgage payment will go up by {$840.00} in less than a month '' without any explanation WHY they didn't do a correct escrow review analysis. There needs to be accountability and this company obviously feels that it can get away with no accountability.
Please note the attachments Please assist me in this matter.
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| 12/11/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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Consumer Financial Protection Bureau ( CFPB ), I hope this email finds you well. I am writing to file a formal complaint against united wholesale mortgage and XXXX XXXX regarding the ongoing issue of funds being withheld for completed work on my property. This situation has caused significant distress and has resulted in two contractors filing a lien against my house.
As per the law, mortgage companies are prohibited from withholding funds, especially when the job has been completed. It has been almost six months since the work was finished, and I have yet to receive the funds necessary to settle the contractors bills.
I kindly request that the CFPB review the details of my case and take immediate action to address this matter. The delay in payment has caused significant financial hardship and has resulted in the contractors filing a lien against my property, which is both inconvenient and potentially damaging to my creditworthiness.
Their process is absolutely absurd they had put me through the worst possible conditions. Since my house had been flooded from the moment we received the check they were terrible at communicating with customers who are suffering a loss and financial burden due to the loss.
I have called several times their wait times are one to two hours long. Soon as I get on the phone with them they mistake me for another customer. At one point the representative addressed me as XXXX XXXX and released all information regarding XXXX XXXX loan and I told them I am not XXXX XXXX I am so confused she then apologized and pulled pulled up my account to which she still stated the wrong name.
On Wednesday XX/XX/XXXX in the morning around XXXX I called to confirm that the documents have been verified, confirmed and communicated to XXXX XXXX XXXX spoke to management team ) they had put urgent on my file as there was two liens already on process and repairs have been made they kept me in the dark of what is needed they never communicated with XXXX XXXX my adjuster to ask for what they need to clear the funds at XXXX they finally confirmed after 5 months long process of back and forth. Then THE SAME DAY XX/XX/XXXX at around XXXX I have received the text stating that they are canceling the payment because they did not receive what they needed. At this point I am highly confused. I called them again with XXXX my XXXX XXXX we demanded to speak to a manager again this time NOT XXXX we spoke to XXXX XXXX. At this point XXXX spoke to XXXX and explained in DETAIL WHAT SHE NEEDED. It was then confirmed I waited 3 days after once again CONFIRMING WHAT THEY ALREADY GOT.
TODAY PRESENT TIME. Same issue they dont read or review what is submitted to them they make it very very difficult for consumers I trust that the CFPB understands the urgency of this matter and the negative implications it may have on the mortgage companys compliance with regulations. I request a prompt resolution to this issue, including the release of the funds owed to me and the removal of the contractors liens on my property.
I appreciate the CFPBs attention to this matter and look forward to a swift and satisfactory resolution. Should you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your immediate attention to this matter.
Sincerely, XXXX
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| 10/06/2022 |
Yes |
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Web |
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I filed a previous complaint regarding United Wholesale Mortgages outright refusal to participate in the credit qualifying assumption of my FHA mortgage to a third party buyer as a part of my home sale.
In the response the lender claimed the credit qualifying packet had been sent to the assuming party on XX/XX/2022 however it is now XX/XX/2022 and the assuming party has not received a packet. I would ask the lender to provide proof that this packet was in fact sent on XX/XX/2022. In the lenders response the director of consumer affairs asked me to contact them directly with any issues, I did make contact with XXXX XXXX and another member of his office on Monday XXXX and have received no response. I received a conflicting response from the lender to my complaint with the Mn attorney generals office that states UWM considers it their discretion who they allow to assume a mortgage. A packet was sent to me which was meant to request an assumption, however I already formally requested an assumption and provided this information 2 months ago to their research team as I was directed to do. Furthermore it was indicated that I had a single conversation in which I was given false Information by one employee and that the employee will be retrained. In fact I had more than 10 phone conversations totaling hours of phone conversations with United Wholesale Mortgage, speaking with members of different divisions, departments, campuses and offices. I spoke with the loan servicing department multiple times, the XXXX department multiple times, the client concierge department multiple times, and I had two separate mortgage brokers make contact through their connections on my behalf to a UWM account executive and an XXXX division leader as well as sending at least one email to the owner of UNited Wholesale Mortgage. The XXXX division leader admitted the loan was assumable and instructed me to call in to servicing and if I was met with resistance to involve him again and he would personally see this through. I did meet resistance from servicing and have not been able to get a response from the division leader in multiple attempts since. On 3 occasions I have been told that if they do proceed with the assumption, that they will drag the process out for 6 months, when I pressed them on how that could be possible they stated that this includes their response times, indicating that there would be 30 days between every communication with the research/assumptions department. Additionally, I have never received a direct response from the research team to my official request on this assumption. By law lenders are required to provide information to borrowers regarding their loan and they are required to do so in 30 days. The research team extended their response an additional 15 business days, however that time has passed and I have not received direct communication. On 3 separate occasions employees did try to help me and enter my assumption into their system for processing and each time they were denied because They were REQUIRED to enter a relationship to the assuming party and this denied because I have no relation to him. I believe there needs to be an investigation into UWM practices regarding mortgage assumptions, this has been a company-wide disregard for a borrowers request.
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| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I set up a bill pay through XXXX XXXX for United Wholesale Mortgage on XX/XX/XXXX. The payment was set to be made on XX/XX/XXXX. On XX/XX/XXXX the payment was taken out of my account. Around mid XX/XX/XXXX I received the mortgage statement and it stated my payment was past due. At that point I called XXXXXXXX XXXX to find out why United Wholesale Mortgage was showing a missing payment as XXXX was showing that the payment was sent and accepted by UWM. I then was in contact with UWM. They did extensive research to try to find the payment that XXXX XXXX insisted had been sent and that the fund were accepted. The payment information was entered correctly and the bank shows it sent it electronically.
Every week in XXXX and up until XX/XX/XXXX XXXX insisted that the funds were accepted by UWM and that at this point there was nothing they could do and that it was out of their hands since the funds had already been withdrawn and accepted. UWM informed XXXX that they do not accept electronic payments, only paper checks. I opened a claim through XXXXXXXX XXXX XXXX XXXX. On XXXX XXXX I was informed by XXXX that the payment to UWM was processed according to the information provided. XXXX also said no adjustments would be made to my account at this time. I continued to be in contact with the bank and UWM in hopes to get a resolution. On XXXX XXXX once again I was in contact XXXX Claims department on a 3 way call with UWM. This time the customer service agent from XXXX informed us that the payment actually went to XXXX XXXX XXXXXXXX ( XXXX XXXX is the Parent Company ). At no point has XXXX mentioned that it was sent to a different mortgage company these past 2 months that we have been calling and going back and forth and they insisted the payment had been sent and accepted by UWM. My contact at UWM and I immediately call XXXXXXXX XXXX to try to get a hold of someone that can possibly help us track the payment they somehow accepted. The Customer service rep at XXXX unfortunately was not able to help as they need an account number or social security in order to help us. They said there was no way of accepting a payment if there is no account or social security on file. However, the UWM no is saying that the payment was sent and accepted to XXXX. I was never informed of this information until XX/XX/XXXX. I questioned them as to why they are not able to help resolve this huge mistake that the bank made. The XXXXXXXX XXXX told me it is out of they hands and they can not retrieve the money or do anything at all because the money was accepted and it was past 30 days and they could no longer cancel the payment. I even went to XXXXXXXX XXXX in person as I am getting no where via phone. The XXXX XXXX rep told me the exact same thing they have been telling me over the phone. He sent an email to people higher up regarding the situation but informed me that they might not be able to do anything to retrieve my money. In a few days it will be 3 months this ongoing issue has been dragging on and I am at a loss. The bank made the mistake from the get go and failed to provide me with the correct information and I need assistance retrieving my money that was taken out of my account and sent to the wrong company without my authorization. The bank insist the payment was sent to UWM.
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| 04/09/2023 |
Yes |
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- Trouble during payment process
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Web |
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I XXXX XXXX XXXX sent 2 payoffs of {$300000.00} each in the form of 2 legally processed and state registered bank instruments to United Wholesale Mortgage XXXX A Bill of Exchange was sent by registered mail tracking # XXXX was sent on XX/XX/XXXX and was Delivered and received on : Tue, XX/XX/XXXX, XXXX XXXX, by servicing department : A 2nd Bank verified note draft of {$300000.00} was sent with certified mail via the XXXXXXXX # XXXX with return of green delivery slip on XX/XX/XXXX and delivered on XX/XX/XXXX and was accepted, signed by XXXX XXXX.
The Bank instruments had clear instructions included for processing, and detail instructions were outlined in the case of dishonor. XXXX had 4 days to Dishonor in writing & return to Maker with certified notice of rejection/dishonor, or the Acceptor authorized agent for owner deems this draft is used as Money payment payoff of debt.
UWM has not returned the legally processed note draft or Bill of Exchange but has decided to keep these legally bank business instruments, and still send me demand of payment statements.
UWM can not say that they do not take such payment because both Bank documents are a negotiable instrument pursuant to UCC code 3-104. NEGOTIABLE INSTRUMENT. They must be accepted because they are in the Banking Business! Further proof of bank acceptance will be provided as well including case law that supports the Bill of Exchange The International Bill of Exchange and New Credit Agreement Debt Payoff Security NOTE Draft Bank Business Instruments are legal tender as national bank notes, or notes of a National Banking Association, by legal and statutory definition ( UCC 4-105, 12CFRSec. 229.2, 210.2, 12 USC 1813, 31 USC 5312 ( 2 ) ( C ) ), issued under Authority of the United States Code 31 USC 392, 5103, which officially defines this as a statutory legal tender obligation of THE UNTIED STATES, and is issued in accordance with 31 USC 3123 ; HJR-192 ( 1933 ) ; and Public Law and Policy 73-10, Chapter 48 112-113 ; Highland Capital Mgmt . v. Schneider ; and Ward v Bank One which establish and provide for its issuance as Public Policy in remedy for discharge of equity interest recovery on that portion of the public debt to its principals and Sureties bearing the Obligation of THE UNITED STATES.
See also Bank One v. Robert Ward, ( Sara Sue Fugate ) et al, Florida case # 2001 31518 CICI, XXXX XX/XX/XXXX. The term person includes corporations, such as Defendants, as defined in Blacks Law Dictionarys 4th Ed. ( Pg. 1299 ). Because Defendants authorized bank agent signed or accepted Plaintiffs U.S. Currency S.E.C. State Registered Formal New Credit Agreement Debt Lien Payoff Financial Contract Security NOTE Draft and Bill of Exchange as an Order to Pay Bank Promissory Note draft as money which is a negotiable instrument it is binding on all Defendants, thus making it a legally binding simple contract that must be enforced in all courts and of which the United States of Americas institution of contract is respected including the 50 independent states.
2-304. Price Payable in Money, Goods, Realty, or Otherwise.
( 1 ) The price can be made payable in money or otherwise. If it is payable in whole or in part in goods each party is a seller of the goodswhich he is to transfer.
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| 10/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX we closed on a purchase of the Property. XXXX was the mortgage broker for a loan funded by XXXX XXXX XXXX and advised us regarding the documents and insurance needed to fund the loan.
In an email dated XX/XX/XXXX at XXXX XXXX, XXXX XXXX of XXXX informed the us that, in addition to other documents, that we would need to obtain an XXXX insurance policy on the Property prior to closing. In an email dated XX/XX/XXXX at XXXX XXXX, we responded to XXXX XXXX email regarding the documents needed. In his email, we asked Can you clarify why an XXXX is required? We noticed the last company sent us an XXXX policy and are unsure of the differences. We replied to them asking them to adjust. At XXXX XXXX on the same day XXXX XXXX replied to the us as follows : The XXXX policy is for condos only. Since this property is deeded as a condo, you only need walls-in coverage because you pay the monthly HOA dues which includes additional insurance. Does that make sense?
Later in the day on XX/XX/XXXX, I replied to XXXX XXXX as follows : After speaking with the insurance agent she said because the community does not have a master association that we would actually need an XXXX policy. Will you please re-confirm what policy we need because every " we are receiving is an XXXX. Thank you. At XXXX XXXX, XXXX XXXX again responded as follows : The association does have a master policy. I have requested this from the HOA. The mortgage paperwork indicates that XXXX and XXXX XXXX XXXX processed the loan as if the property was a condominium with exterior insurance coverage provided by the association.
Based on the representations made by XXXX and the repeated confirmation from XXXX XXXX of XXXX, we purchased a XXXX policy with XXXX XXXX XXXX XXXX ( XXXX ) instead of an XXXX policy. Unfortunately, shortly after we closed on the Property, XXXX XXXX hit the coast and damage to the Property was sustained. Specifically, we had significant roof damage, among other damage sustained.
Due to the damage sustained by XXXX XXXX, the Property was partially exposed to the elements. We diligently acted to protect the Property by contacting the insurer and the association and proceeding to try to have the Property repaired. However, when they undertook this endeavor they were informed that, in fact, there was no blanket master policy for the Propertys association, the property is not part of a condominium and that they should have obtained exterior insurance coverage ( contrary to the repeated representations of LCA ).
Due to the incorrect and negligent representations of XXXX and XXXX XXXX XXXX, we and out XXXX young children are currently displaced from their home and without insurance coverage for the damage that was sustained to the roof. Although we took diligent steps to make sure the property was properly insured, the continued negligence and misrepresentations of XXXX cause them to be uninsured for the exterior of their home. XXXX improperly advised us, against repeated question, that the policy needed to properly insure the Property was an XXXX and not an XXXX.
We are now left displaced with our XXXX young boys and both banks are continuing to point the fingers at each other for weeks while no resolution is in sight.
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| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We requested a return of funds from our escrow account to pay the supplemental tax bill on X/X/17 . We received a check on XXXX in the amount of {$1500.00}, with the check dated on XXXX . Upon receipt of the check, we tried 3 diffe rent ways to deposit the check into our account, through the mobile app ( taking a photo ), at the banks ATM machine, and finally with a bank teller. We received error messages with a ll 3 a nd were informed the check could not be deposited. The bank teller told us it was 1 of 2 rea sons. Either the check was already deposited or it is a bad check. I called a service representative on XXXX and explained what happened, she said the funds have not cleared their account so it seems that it is a bad check. She requested the issue of a new check. The new check was dated for XXXX in the amount of {$1500.00}. The check was received on XX/XX/XXXX , and a ll 3 atte mpts of depositing the check were made again only to receive the same error and told the check could not be deposited. Contacted a service representative on XXXX and they tried to escalate it to a service supervisor but no supervisor was available, we were told a note would be left on our account and to call on XXXX and we will be sent to a supervisor right away. Called on XXXX and the representative did not see any notes on our account so we explained the situation again and was transferred to a supervisor.We then explained the situation to the supervisor and she said she would over night a third check. She did clarify that overnight the check does not mean we would have a check the following day. The check must go through 3 dif ferent departments before it can be sent out, and to therefore expect the third check on XXXX or XXXX . I asked if it is possible to do a direct deposit of the funds into our account since they receive our monthly payment through direct deposit. The supervisor said this is not an option. Contacted the service department on XXXX to check on the status of the check because it has yet to be received. Spoke to another supervisor and she saw that the check was issued but it is unclear if it has been mailed out. Said s he will call us back by XXXX with an update. Received no phone call. Contacted the service department on XXXX to check on the status of the check because no update was given on XXXX . Spoke to another supervisor she said it is still unclear if the check has been mailed out. Said she will call us back by XXXX with an update. Received no phone call. Contacted the service department on XXXX to check on the status. Got yet a nother supervisor. This supervisor explained that a third check has not even been issued, even though we were told on multiple occasions it had been, and it is unclear when they will cut the check and mail it to us.It has been It has now been 40 days since we originally requested our money and have still yet to receive it with the uncertainty if we will ever receive it. We are highly frustrated with XXXX XXXX XXXX and their lack of care or concern. We have given multiple opportunities for them to reconcile and have been beyond patient. We want our money back, plain and simple.
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| 05/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Here is a brief run down of what has happened with United Wholesale Mortgage over the last two months.
In XXXX we were told that there was an issue with our account. We were unaware until then that there was anything wrong. I pay our mortgage with autopay with XXXX XXXX XXXX XXXX, so I don't usually worry about this payment.
When I spoke with the woman at UWM in XXXX, she explained to me that the previous XXXX ( when our payments went up ) there was a slight discrepancy in the payment. This was my fault. I failed to adjust the auto-payment to reflect the new principal and interest payment. As a result, the payment was slightly short. They applied this payment strictly to principal, so it appeared that we were behind a payment. The woman on the phone explained that if we paid {$210.00} that our account would be up to date. She was going to reverse the fees because this was not a regular issue with our account, and she was going to pull the payment that was put strictly into principal and apply it correctly. At this point, we thought that everything was corrected. Our payment of {$210.00} was processed on XX/XX/XXXX coming out of our XXXX XXXX account.
A week plus ago, XXXX got a phone call saying that there was an issue with our account once again. I explained my previous conversation with the new UWM member, but she told me that everything that the original woman explained wasn't accurate. I asked her to listen to the previous call or look over the notes, but she told me that she wasn't able to do that. She stated that I needed to pay an additional $ XXXX plus {$900.00} in fees. I asked to speak with a supervisor at this point. I am happy to pay the $ XXXX if I need to pay it, but I am confused as to why. After speaking with the supervisor, she said she was going to look further into the account. She said don't pay anything additional at that time. She promised that she would call me either way a week ago Friday, and I still haven't heard a word. She was going to listen to the original call and try to determine what was accurate, and she was hoping to get the fees reversed for me. I still haven't heard a word from them. I am concerned that this is going to negatively affect our credit. Like I said before, I am happy to pay the $ XXXX if we owe money. I am just confused as to what happened and the major discrepancies between last month and this month in what we owe.
After calling daily ( some days more than once ), I finally got an answer from a supervisor. He then explained that we owed {$2100.00} but he had reversed the {$900.00} in fees. He said that they were also trying to reverse the credit dings on our account. We have not heard anything back regarding the credit reports, but I ended up paying everything because I was afraid that they would continue to file reports against our credit. The {$2100.00} was processed from our XXXX XXXX Account on XX/XX/18.
We still don't understand what happened over a year ago, why it took SO long to make us aware of the issue, why the amount changed every time we spoke with them, or why we were told something different each time we spoke with UWM.
We want our credit corrected and an explanation errors.
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| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was impacted by Covid-19 and was put on the forbearance program XXXX of XXXX. I have been trying to get a streamline modification since XX/XX/XXXX.
On XX/XX/XXXX I call United Wholesale Mortgage to come off of forbearance and to be reviewed for the streamline loan mod. I have been asking for 2 MONTHS now and they have done absolutely nothing. Ive spoken to over a DOZEN agents. They have started and restarted the review process 3 times and never know why the previous review fell through. All I hear from them is either your loan is under review please call back in 3-6 weeks or youre currently not in any loss mitigation program, your home is at risk for foreclosure and we need to set you up on a program.
All I have ever asked for is for the strreamline flex modification as outlined here by my investor, XXXX XXXX : XXXX : XXXX And here by CFPB on pages 4 and 5 : XXXX XXXX XXXXXXXX Here are a summary of some of the calls I have had with UWM representatives : XX/XX/XXXX- youre being reviewed for the streamline. Youll be getting a letter in email letting know what you were approved for in 30 days. agent states she will give me a follow up call the following day. Never recieved a call.
XX/XX/XXXX - agent on line tells me that the underwriter on my file has informed him that there should be a decision by the following day, Wednesday XX/XX/XXXX.
XX/XX/XXXX - Contrary to what previous agent told me on XX/XX/XXXX, no decision was made and agent in line informs me loan is still under review.
XX/XX/XXXX - Agent tells me I am not being reviewed for any workout program and that my house is currently at risk of foreclosure.
On XX/XX/XXXX - Agent asks me a few interview question regarding my situation and tells me she has set everything in motion for me to be reviewed ( again ) for the streamline modification and I should have an answer in XXXX days.
XX/XX/XXXX - <10 business days later> Lady tells me Loss mitigation team has not been involved with my loan at all ; that I am not in review for any program and I need to fill out a formal loss mitigation application for a STREAMLINE program or my house is at risk for foreclosure.
WHY IS THIS SO HARD? IS THERE ANYONE COMPETENT THAT CAN DO THIS RIGHT? WHY CANT I GET ONE PERSON TO SPEAK TO ME AFTER GOING THROUGH THIS FOR MONTHS? I AM ABSOLUTELY FED UP OF THE LIES AND BEING PUSHED IN CIRCLES FOR MONTHS.
This is not even to bring up the fact that my previous complaint with the CFBU against UWM on XX/XX/XXXX was never resolved. UWM Director of Consumer Affairs, XXXX XXXX, in his CFBU response letter on XX/XX/XXXX stated : Per your request, however, the deferment was not processed and at this time your loan is still under forbearance until XX/XX/XXXX, XXXX
This never happened. The deferment went through against my explicit instructions and against Mr . XXXX written word that it was stopped.
At this time, I just dont have the mental energy or wherewithal to deal with the deferment issue. I just want this modification to be resolved so I can sleep at night knowing my house is not going to be foreclosed on. I have tried my best to resolve this with UWM but they have proven they do not care.
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| 07/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I did a cash out refinance on an investment home. When the mortgage was filed XXXX XXXX by XXXX XXXX and issued by United Wholesale Mortgage they erroneously attached 9 parcels of different properties to this loan resulting in liens filed on those 9 properties. The property tax bills for all parcels were assigned to one mortgage resulting in potential missed tax payments due to them not being mailed to me on properties free and clear of all mortgages and an enormous tax bill for one small home. The enormous tax bill which created a significant escrow deficiency was not enough for UWM to question a possible error or the fact that a small balance loan had 9 different parcel numbers attached to it didn't issue a red flag to an employee. The misfiling also includes a property I no longer own. I became aware of this issue while trying to secure another loan on a different home I am purchasing. While reviewing and submitting current debts to the new loan application they noted seeing an excessively negative balance in my escrow account. I reached out to UWM ( XX/XX/2021 ) and had a customer service rep tell me it was local county issue sending them the tax bills for all 9 parcels and that i needed to contact my local govt tax dept and have them rectify. i also reached out to the loan originator for assistance since she set up the loan. The county tax dept assured me that UWM made the request for all 9 parcels via electronically and then deferred me back to UWM. The loan broker and i conference called UWM to try and gain further understanding. We spoke to a different CSR and they didn't know why and said nothing was in the file. Again we thought we were only dealing with missent tax bills.
On XX/XX/2021 i received a phone call from my current loan office ( on my new purchase ) to tell me that the mortgage with the tax bill issues has been filed against other properties I own free and clear. The mortgage filed with the county had a incorrect legal description that identified 9 different properties and homes including one I no longer own. The recorded mortgage now is showing a lien on all 9 properties. The LO I am using in my new purchase reached out to XXXX and i reached out to my previous LO who originated my loan for assistance in getting the parcels released with no response for hours. I am under contract and have a deadline to close a loan on a new purchase in 9 days .... my current LO has indicated the possible impact this error could affect me financially in obtaining a XXXX on my new home. I have been bounced back and forth with each pointing fingers at eachother. The issue is a big lender like UWM has no consistent contact or shared dept info or ability to contact them as a property owner for assistance. I have contacted the Title company, the mortgage holder, the county tax dept, the originating mortgage broker, my current loan officer and an outside title company for suggestions on how to remedy this expediently and efficiently. I was told that it could take 1-6 weeks to get a response from UWM by the title person assigned to request a release that will clear the 9 parcels affected.
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| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My first mortgage payment was due XX/XX/2022 to United Wholesale Mortgage ( UWM ). On XX/XX/2022, I signed up for autopay and received confirmation email that confirmed enrollment and stated my first autopayment is due due XX/XX/2022. The autopay function didn't pay XX/XX/2022, because I hadn't paid XX/XX/2022. I got a notices that my account was delinquent and would go into foreclosure in XX/XX/2022. A " 30 days past due '' alert was added to my credit report.
On XX/XX/2022, I contacted UWM paid the past due amount plus one late fee totaling : {$3700.00} on XX/XX/2022 to rectify the payment. I asked them to remove the past due alert from my credit report and they denied. They said I needed to file with the credit reporting company.
In XX/XX/2022, I filed a Dispute with XXXX. I didn't realize there were 3 credit bureau 's that I needed to file with.
On XX/XX/2022, I filed claims with all.
XXXX Claim : XXXX XXXX XXXX : XXXX XXXX Claim : XXXX On XX/XX/2022, I contacted all of the credit bureaus and the agents informed me of this : - XXXX - updated the dispute, the alert remains on my credit. They instructed me to file complaint with CFPB. I filed complaint XX/XX/2022.
- XXXX - updated the dispute, the alert remains on my credit. The agent refiled to dispute the " Status of the Account '' and to " Remove the 30 Day Past Due Payment '' alert from credit report. Refiled on XX/XX/2022.
- XXXX - updated the dispute, the alert remains on my credit. The agent refiled the dispute to " Remove the 30 Day Past Due Payment '' alert from credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX UWM ( United Wholesale Mortgage ) Loan. Acct : XXXX I have an excellent payment history for over 30 years. I have never been in default on a mortgage loan. I would like you to investigate the dispute to remove the rating to remove the " 30 Days Past Due '' alert XX/XX/2022 to from my credit report.
On XX/XX/2022, I got an email notice from UWM that my first mortgage payment was due XX/XX/2022. See attachment.
I logged into my UWM account and signed up for Autopay on XX/XX/2022. On XX/XX/2022, I got an email from UWM confirming that I was enrolled in Autopay stating, We will automatically process your first payment on XX/XX/2022. I thought since I enrolled in Autopay, that the first mortgage payment was now due XX/XX/2022, not XX/XX/2022, according to that email. See attachments.
I received a Delinquency Notice from UWM XX/XX/2022. See attachment.
On XX/XX/2022, I confirmed with my bank that the XX/XX/2022 Mortgage didnt get paid through Autopay. I called UWM and paid in full the XXXX and XX/XX/2022 mortgage totaling {$3700.00}. I also paid a late fee of {$79.00}. See attachments. I asked them to remove the " 30 Days Past Due '' alert from my credit report. They declined.
This was an honest mistake. Ive paid the mortgage on time monthly since XX/XX/2022 with an additional $ XXXX to the payment. This can be rectified by removing the alert to restore my credit history. Please investigate this complaint. I appreciate your consideration in this matter.
Best, XXXX XXXX XXXX
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I requested forbearance of my mortgage loan with United Wholesale Mortgage ( UWM ) in XX/XX/2020, following the passing of the CARES Act to address issues related to the COVID-19 pandemic. Shortly thereafter, I received a letter from UWM, dated XX/XX/2020, stating that our forbearance plan would begin on XX/XX/2020 and continue through XX/XX/2020. If we did not request a repayment plan, loan modification or extension of the forbearance plan on or before XX/XX/2020, payments would re-commence on XX/XX/2020.
On XX/XX/2020, I contacted UWM by phone requesting that my loan be brought out of forbearance by debiting my bank account the full amount then due. On XX/XX/2020, UWM confirmed via the UWM online message center that they would debit my account and bring my loan current ; however, that did not happen. E-bills state that the payments were reversed due to insufficient funds ( NSF ) but that is incorrect and I have account statements to evidence the same. Subsequently, I made similar calls and/or electronic communications through the UWM online message center ( and received similar feedback from UWM ) on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. However, despite these multiple calls and/or communications, my payment has not accepted and my loan continues to be under a forbearance plan.
On XX/XX/2020, I wired the deferred payments ( in the amount of {$10000.00} ) to UWM. On XX/XX/2020, I was told by a UWM representative by phone that my payment made by wire had been received and I would receive an electronic letter by XX/XX/2020 that my loan was out of forbearance and in good standing. On XX/XX/2020, I did not receive such letter so I called UWM again on the afternoon of XX/XX/XXXX and was told my payment was suspended and had not been applied to my account and was pending supervisor approval. I called UWM again on XX/XX/XXXX and twice on XX/XX/XXXX. On the XX/XX/XXXX and XX/XX/XXXX phone calls, I was told a manager would call me back to discuss the issues with applying my payment. To date, a manager has not called me back.
In addition to the foregoing, commencing in XXXX, UWM started to charge me late fees although UWM refuses to accept my payment of {$10000.00} and bring my loan out of forbearance.
At this point in time, I have spent approximately 20 hours on the phone and/or online with UWM. This has caused me, and my partner, an immense amount of stress. Further, my partner and I have lost several opportunities to buy a home because we can not obtain financing while the UWM loan is in forbearance.
It is critically important that my payment be applied to my loan no later than XX/XX/2020 and that my loan be brought out of forbearance on XX/XX/2020. We have requested multiple times that UWM address this issue immediately by ( 1 ) applying my {$10000.00} payment to my account, which brings the loan current through XX/XX/2020, ( 2 ) removing all late fees, and ( 3 ) removing the loan from forbearance and providing written evidence of the same. To date, none of the foregoing have occurred.
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| 10/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage can not justify the amount of XXXX I paid for trial period as a request for loan modification. They have mislead me and didn't applied the total amount of {$11000.00} to my account.
I have paid {$11000.00} as trial payments for 6 months. My loan was in forbearance and after I received the requested payment trial notice I made {$1800.00} for 4 months and {$2000.00} for 2 months.
These trial payments were requested by the letters dated XX/XX/XXXX and XX/XX/XXXX.
I made XXXX XXXX in respect of letter dated XX/XX/XXXX and {$2000.00} in respect of letter dated XX/XX/XXXX. I have contacted United Wholesale Mortgage and asked them to answer simply, like a basic mathematics question : " How much money did you apply to the Interest and how much to the Principal from the {$11000.00} '' For more than a month, they can not justify that they applied this amount entirely correct. In many emails ( please see attached ) they promised will provide answers but they never did. Have they stolen the funds? Have they paid something they shouldn't have paid with these money? AGAIN : How much is interest that you applied from {$11000.00}? How much you applied to the principal from {$11000.00}? BE AWARE : the only period that these payments could be CORRECTLY APPLIED is : XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX. These payments with a total value of {$11000.00} should have been kept in suspense and applied when the Loan Modification entered in effect ( XX/XX/XXXX ). On only XXXX particular months can be applied : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ON XXXX I STARTED MAKING PAYMENTS AGAIN. Any other option is an error or something that you make it look like an error.
Again : in 4 months, how much was intrest and how much was going to principal from {$11000.00}????????? I have reasons to believe that you have manipulated my account so badly so you can hide the payments I made for the trial period. Stop abusing my account.Stop trying to mislead me in order to defraud me. Answer in writing please. Provide evidences when you are asked, don't just dissappear after more than a month of conversation, please. Why are you constantly abusing me? Refund my money immediately please. I can prove that more than {$6800.00} out of {$11000.00} you have directed somewhere else and you never applied to my account. Stop lying on a Government Website please. I have evidence that you previously lied here, on this website ( Consumer Financial Protection Bureau ). Stop please the abuse, you have inflicted lots of emotional fear and distress. Is terrible feeling to live in fear that you are trying to mislead me for unjust enrichment, every notice from you ends up in errors and lies and deceiving practices. Please stop the abuse : you should never believe that you can abuse because you are under the comfort of an error and omissions insurance. There is a limit for that. You can not use the excuses of errors indefinitely for your persistent abusive practices. Stop please, Stop! You have injured me immensely.
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| 08/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage ( UWM ) refinanced my home on XX/XX/XXXX. Included within the refinance was an escrow account to cover my homeowners insurance.
On XX/XX/XXXX I was notified by my homeowners insurance that my payment was past due and not yet received. At that point I submitted a request via UWM 's secure website asking why payment had not been made and that I was unable to determine that they had made payment via their website.
I received a secure message back on XX/XX/XXXX from them stating that I can update my insurance information via a secure portal and they provided instructions to do so. As my insurance had not changed, and was still the same information they had on their online portal I determined this was an inappropriate response.
Instead of moving forward with " changing '' my insurance information, I instead chose to call their XXXX main phone number for support later that day on XX/XX/XXXX. At that point, a gentleman stated that he too saw that my escrow account included homeowners insurance. He stated that the first payment they had indicated was for XX/XX/XXXX. I stated that as my home refinance closed in XX/XX/XXXX, and that UWM knew my insurance was up for renewal in XXXX, as determined by the XX/XX/XXXX due date, UWM should be aware that a payment was needed in XX/XX/XXXX. He agreed and said he would reach out to the insurance department for more information and call me back on Monday, XX/XX/XXXX.
I did not receive a call on Monday, XX/XX/XXXX.
I did not receive a call on Tuesday, XX/XX/XXXX.
I called UWM back on Wednesday, XX/XX/XXXX. At that point I spoke with a XXXX who claimed that as the homeowners insurance was not funded at the time of closing this was not UWM 's fault. I stated that insurance was included within the escrow and she agreed. She then stated that UWM making this payment would impact my future escrow calculation. I stated that I understand that UWM made a mistake, but that the insurance must still be paid. I was comfortable with my escrow adjusting to make up for this error as these were still my funds to pay. As such, XXXX provided me with instructions on how to submit a bill to UWM via an email address and that a check would be overnighted to pay for my homeowners insurance that at this point was more than a week past due. I followed those instructions within the hour on Wednesday, XX/XX/XXXX and requested confirmation in the email for when the payment was sent.
I did not hear back on Thursday, XX/XX/XXXX.
On the evening of Friday, XX/XX/XXXX, I sent a reply to the auto-response email that I received on Wednesday XX/XX/XXXX from when I sent them the bill stating that if I did not hear back about payment being sent by noon on Monday, XX/XX/XXXX that I would be initiating this complaint with the CPFB.
I still have not heard back and am unable to tell that my homeowners insurance has been paid. I don't understand how UWM can hold my escrow account hostage and not pay these bills.
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| 12/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I lost my house in the XXXX XXXX lightning fire. After settling with insurance I had to sign over a joint check to my mortgage company XXXX United Wholesale Mortgage ) who has in turn elected to delegate the management of my funds to at least ( 2 ) other primary parties. These ( 3 ) entities work together to pass me around in circles and never be held accountable while withholding my rebuild money from me.
I settled with insurance for $ XXXX, my rebuild costs are almost double that even after downsizing ( XXXX XXXX burned down, building back XXXX XXXX ) and doing as much of the work as I can myself. I have spent over $ XXXX to date, have taken out a $ XXXX personal loan in order to continue making progress while I fight for my funds to be released, and have only been reimbursed $ XXXX. I have had to take a leave of absence from work due to the stress and amount of effort required to be able to continue.
If I call for a progress inspection at this point ( ext. framing complete, roof partial ) and get an arbitrary low percentage assigned ( past has been completely arbitrary ), I will get next to no money released and I will be very hard pressed to show significant progress for any inspections after. I plan on doing all the interior work myself, due to budget constraints. I wont be able to take any more loans and will be completely stuck while the bank continues to sit on my money ( and loan it out to others at a higher rate, which is why they have no motivation to actually help me ).
Because of this situation, I need a clear definition of how % complete is being calculated before calling for the next progress inspection. I should have all of my money released if I am 75 % complete. This simple calculation should be ( value of work in place ) / ( value of claim ) = % complete. I have been fighting for months to get this very simple question answered and have exhausted all options I can think of.
I have tried to fight this for months now any way I can, including : my own calls, letters, and faxes ( all go un-returned or standard pre-canned responses when I do get them, I have started recording all my calls with them as this is the only means of documenting ), contacting the insurance commissioner ( says not them since my money or issue is no longer with an actual insurance company, despite it being insurance money ), department of financial protection ( referred to me by the insurance commissioner, who in turn says not their department, try the insurance commissioner ), filing complaints with the Better Business Bureau ( closed my cases as soon as a company sends any kind of response, regardless of whether it actually answers the question.
I have a lot of documentation and have been dragged along for months, these companies have been non-responsive to my letters and have not acted in good faith. I need to know how % complete is calculated and am contemplating pursuing these entities to recover the damages they have inflicted upon me.
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| 04/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My daughter and I have a mortgage serviced with United Wholesale Mortgage located at XXXX XXXX XXXX XXXX XXXX. Ph : XXXX. We opened this is XX/XX/XXXX. My daughter moved to XXXX and shortly after opened up a local bank account with a local credit union. She got the accounts mixed up in XXXX and XXXX and had XXXX returned items not for XXXX however, but for an error as the bank account was closed. In XXXX she had her online payment privilege 's taken away and was told she needed to mail in certified funds for XXXX yr. I called in and spoke with an agent in XXXX after we received a notice that they sent back a partial payment. Turns out they lost one half of the money order sent and we had to send in another half plus the returned money order on a rush to cover that payment for XXXX. NOTE XXXX MAILED IN PAYMENT WAS RECEIVED AND CREDITED. They told us to dispute the online payment reinstatement due to the error and XXXX XXXXXXXX XXXX guidelines are that if XXXX or more XXXX XXXX happen within a certain timeline. So we are trying to get our online payments back on. But in the meantime we are fighting to pay our monthly payments. XXXX we sent in XXXX payments. Only XXXX of those XXXX received. ( XXXX month payment we are 90 days out to get back ) Now in XXXX we have already sent in XXXX payments with tracking confirming receipt and its the XXXX and they still say they have not received our payment. NOTE : NOW 3 MONTHS MORTGAGE PAYMENTS WE ARE OUT AND WONT GET REFUNDED FOR 90 DAYS ). My daughter is XXXX and living on her own. This is creating a hardship and can not keep paying XXXX or XXXX mortgage payments each month in order to avoid a 30 day late on our credit reports. We need our online payments reinstated and they said they will get to it XX/XX/XXXX. Her funds are not being refunded from her bank until 90 days so she is {$2700.00} in the hole and doesn't have money to pay her bills and cant keep this up! We have sent the bank statement showing she had funds to cover the payment so they can reinstate our online payment privilege 's. Receipts to show payment made and tracking info was received all 3 times. Yet no one can figure out why they sometimes get it and sometimes don't. No can help when we call, nothing get done in time and when we do get a response they don't help. We just need our online payments reinstated per guidelines and we can avoid a hardship that they are creating.
Its important to note that In XXXX I was on vacation when I got the mailed notice regarding the returned partial payment and that the mortgage had not yet been paid. This was on the last day of the month after hours. There was no way to make a payment, online privilege 's were taken away for my daughter but I thought if I could go on the account and make my own account I could pay online, but I couldn't. I tried to do an instant money gram and they do not accept those either. Unless its business hours or you can pay online, THERE IS NO WAY TO PAY.
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| 08/03/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/2021. United Wholesale Mortgage ( UWM ) is responsible for paying my taxes and home owners insurance from my escrow account. Although they collected the escrow from my mortgage payments submitted, they never paid my insurance. I received a notification from XXXX XXXX that my insurance was cancelled due to lack of payment. I notified UWM through their customer portal communication channels and attached the letter of cancellation from the insurance company. I contacted XXXX XXXX Directly and made the payment directly from my checking account. I had to work with the insurance underwriters and sign a waiver that stated during the time I wasn't covered and to the time the insurance was reinstated, I incurred no loss. Thankfully a loss didn't occur during that time the policy had lapse, otherwise I would have not been covered. UWM knew the renewal date for my home owners insurance yet never paid the policy. The renewal date was clearly visible on my Escrow account profile on their website.
Since I had to pay for the insurance out of my own pocket, I contact UWM on XX/XX/XXXX to request a refund of the money they collected through escrow for the insurance they never p [ aid. UWM refused to refund me my money, and several days later, after the insurance was already paid and reinstated on my own, they sent a check to the Insurance company for the coverage that was current at a zero balance. This was a deceptive effort by UWM to conceal the fact that they never paid the insurance. They attempted to cover their mistake by sending XXXX XXXX a check, long after it was already resolved. XXXX XXXX sent me the money that they received from UWM, yet it took almost a month to get my money back.
Still to this date have not gotten a response from UWM regarding the XX/XX/XXXX communication with the attached cancellation letter from XXXX XXXX. UWM is deceptively trying to conceal the error on their side.
I requested UWM to remove my portion of the insurance handled by escrow and told them I would manage my insurance myself. They refused and keep quoting PMI rules. This is a VA loan and I have no PMI obligations on this loan. Every time I call UWM I get a different answer from a different representation. Since UWM records call for quality assurance as part of their customer support line, I started recording the calls personally. I have several recorded calls with UWM representatives contradicting each other on the same call.
UWM is consistently mismanaging mortgage loans and banking transactions. Just recently they had a major issue with unauthorized withdraws and deposits into customers bank accounts, causing overdraft fees and other charges to customer accounts. Their mortgage financial solution is poor at best. One of my original complaints was their inability to handle my escrow payments and balance, consistently making corrections because of their financial solution is so poorly designed.
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| 04/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I am filing a complaint against mortgage broker XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX accepted a deposit for an interest rate lock commitment without securing it with a reputable financial institution as advertised. Ultimately, I did not receive the advertised rate or terms, nor did I receive my money back at closing.
Despite my initial hesitancy, XXXX reassured me that the company XXXX XXXX was the investor providing my loan and that I would receive my deposit back at closing. On XX/XX/XXXX, I signed a rate lock agreement and wired him {$3100.00} for a nine-month rate lock at 5.24 % ( expiring XX/XX/XXXX ). I sent him a loan application the next day. However, I did not receive the TILA required Loan Estimate within three business days.
In fact, I did not receive a Loan Estimate until six months later, on XX/XX/XXXX. The first Loan Estimate document from United Wholesale Mortgage did not reflect the loan product or the terms of the loan we agreed upon months earlier.
Upon receipt of these documents, I communicated concerns about incorrect terms, missing information and my missing rate lock credit, which were ignored. XXXX later claimed the deposit was used to pay discounts points for a lower rate. The final Closing Disclosure on XX/XX/XXXX failed to show points paid and instead added a {$3300.00} fee noted as a " Transaction Coordinator Fee '', questionably, that was very close to the amount of my refundable rate lock deposit. XXXX repeatedly changed the explanation of where the deposit money was applied. In his latest email on XX/XX/XXXX, he called the deposit a fee for real estate services, a clear departure from the original intent.
As a result of XXXX 's negligence, I was denied the advantage of a rate lock in a rapidly rising interest rate environment. Two weeks before my closing date, I was forced to seek a new lender and to close at a much higher interest rate, which caused me significant financial harm.
To date, XXXX has failed to account for my rate lock funds and refused to provide a full refund for a rate lock that was never secured. He misrepresented a company called XXXX XXXX as an institution that would be providing my loan. On XX/XX/XXXX, an approval document sent to my builder shows his home address as the company address, a change from the previous letterhead.
XXXX was dishonest in his communications, breaching contract and failing to provide legally required loan documentation. He violated regulations designed to protect consumers in North Carolina. Although he is a sponsored broker of XXXX XXXX XXXX XXXX, the owner, XXXX XXXX, has denied responsibility or liability for his actions.
I am writing to bring this misconduct to your attention and seeking a full refund of my rate lock deposit of {$3100.00}. All claims made in this complaint can be substantiated with written evidence. Any sensitive information was redacted.
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| 01/04/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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On XX/XX/2022 I made a phone payment to United Wholesale Mortgage for my loan payment of {$1600.00} as they stated they had not received my allotment payment that the military had sent to them. On XX/XX/2022 I made another phone payment as they stated they had not received my allotment payment that the military had sent to them. At this point I was getting harassing 's phone calls from them. Both of these payments were not posted to my mortagage account by United Wholesale Mortgage for unknown reasons noone from their company could seem to help me. My bank statment was showing the money out to them, my military statement was showing payment that way so at this point they had double payments on my end and they were showing no payments on their end. In my frustration I called my daughter to help me as I was seeing the money coming out of my XXXX account and my bank account. At this point my daughter took control. We printed my LES statements and sent them they then " found '' the money from the military and posted that to my account that fixed that. They however can't find my money I paid from the phone payments. We have provided bank statements showing the XXXX payments to their bank, letters from XXXX XXXX all of this documentation and still they are unable to provide the payments to my mortgage or refund the money back to my XXXX XXXX account. At this point they owe me {$3200.00} along with the unnecessary late fees and finance charges they charged my account while they stated I was late when in reality is was them not posting my payments to my account both the phone payments AND the XXXX payments which is {$60.00} which may not be a lot of money to them but to me a XXXX retired veteran on a fixed income it is. Because of the questions my daughter has asked and social media questions she asked because she gets no response from the company they have since sold my loan with no notice and are now holding my XXXX mortgage payment that received from XXXX and not transferring that to XXXX XXXX XXXX Bank even though we have the XXXX statement showing their bank was paid the money. They state they can't find it. That is an additional XXXX that is owed to the new mortgage company. This is how United Wholesale Mortgage treats its XXXX and trying to work with the same person is useless that is absolutely impossible so every time I call in I have to talk with the same person and resend the documents so that person has to research it themselves and get back to me which never happens. I am at a loss and out of money. My daughter is out of money to help me. Please help me get my money back I have proven I paid them my bank records should be enough I don't know which of their customer 's loan has my payments posted to their account but I need my savings back and I need my current lender to get my XXXX payment because of course they are showing me past due.
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| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I sent a payment instrument ( copy included ) XX/XX/XXXX certified mail with a return receipt which was signed for on XX/XX/XXXX that was held and not returned to me, and UWM has failed to XXXX out my account. I have now led it with the U.S. Treasury to pay o my balance using my XXXX XXXX XXXX trust. UWM is now obligated to le a 1099-OID form to receive the funds from the U.S. Department of Treasury XXXX and failure to do so should result in a corporate violation of my rights per HJR 192 of 1933 and 15 USC 1692 A-K. Their failure to accept my payment as such is both an illegal and unlawful act by their corporation.
There was no return of my negotiable instruments, which means they have now accepted one ( 1 ) payment toward this account. UWM company has failed to pay o the balance owed, failed to acknowledge the reason as to why the instrument was not accepted for payment even though it was not returned, which by denition is accepting payment per each letter sent, and has continued with defamation of character in credit bureau reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hand-printed on the front. On the back, I've indorsed it with the beneficiary signature in acceptance for payment which you may draw from my XXXX XXXX XXXX trust.
Also, a coupon is worth whatever the face value it has printed on it ; Moreover, I mentioned earlier and you may have noticed, I signed the back of the coupon as a beneficiary as an attempt to make a payment on this debt ; Also, if my payment is refused then by this law the billing statement is void ; EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum Be It Known : The green return receipt returned to me evidences a Common Law-contract between us under the Postal rule, which states : The postal rule ( also known as the mailbox rule or " deposited acceptance rule '' ) is a term of common law contracts which determines the timing of acceptance of an offer when mail is contemplated as the medium of acceptance. The general principle is that a contract is formed when acceptance is communicated to the offeror. The mailbox rule is an exception to the general principle. The mailbox rule provides that the contract is formed when a properly prepaid and properly addressed letter of acceptance is posted. One rationale given for the rule is that the offeror nominates the post office as the implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. The main effect of the mailbox rule is that the risk of acceptance being delivered late or lost in the post is placed upon the offeror. If the offeror is reluctant to accept this risk, he can always require actual receipt before being legally bound.
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| 04/01/2019 |
Yes |
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Web |
Older American, Servicemember |
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ATTENTION : HUD-OIG AND CFPB AMENDED XX/XX/2019 VA HOME LOAN OVER PRICE {$300000.00}. BUILTXXXX.
XX/XX/2019 COMPLAINT AGAINST ( UWM ) UNITED WHOLESALE MORTGAGE.
PRICE PLACED UPON THIS HOUSE WE BOUGHT IN XX/XX/2019, ISN'T EVEN WORTH. {$300000.00}. I DISCLOSED HERE BELOW THE CONDITION FINDING HUMONGOUSLY BAD.
THANK YOU FOR THE INFORMATION : I CERTAINLY ASKING FOR HELP WITH OUR ( VA HOME LOAN ) THROUGH ; " UNITED WHOLESALE MORTGAGE '' HERE IN XXXX, ARIZONA. WE FELT LIKE WE BEING OVERLY CHARGED. AS FAR AS PRICE WISE FOR THIS OLD HOME WE BOUGHT FROM THEM ... IN THE AMOUNT OF : {$300000.00}. AND ISN'T WORTH THE PRICE.
AFTER A MONTH WE MOVED IN..WE DISCOVERED SEVERAL DISCREPANCIES INSIDE THE HOUSE. IT DEEMED LIKE NO INSPECTION WAS EVER MADE TO THIS HOUSE BEFORE PUT IT ON THE MARKET. ACCORDING TO ITS CONDITIION. " DIRTY FLOOR, CEILLING LIGHTS & FANS AREN'T WORKING PROPERLY, REMOTE-CONTROL TYPE FANS & LIGHTS FIXTURED. SOME CEILLING BRACKET LEFT WITH WIRES HANGING WITHOUT A LIGHT BRACKET.
SLIDING DOOR IN THE BACK TO THE SWIMMING POOL. AND PATIO CAN'T EVEN OPEN, WAS FULL OF MUD, AND DIRTS. WE HAVE TO SCRAPED THEM OFF CLEAN, IN ORDER TO FREE THE GLASS DOOR, AND SCREEN DOOR TO MOVE FREELY.
THE SWIMMING POOL WAS ABSOLUTELY DIRTY FILTHY, CAN'T EVEN SEE " TILES DESIGNS '' DUE TO SCUMS COVERED IT. WE HIRED POOL PEOPLE TO DRAINED AND CLEAN-UP INSIDE, AND REFILLED COST US HUGE AMOUNT OF MONEY. SPRINKLERS WAS NOT WORKING AT ALL, EXCEPT ; WASTING LOTS OF WATER FLOWING EVERY WHICH-WAY ; AND NOT SPRINKLING UP AS IT SUPPOSE TO : COST {$700.00} DOLLARS. TOILETS, KITCHEN, GROVES ALONG THE WALLS INSIDE THE WHOLE HOUSE ITSELF ARE EXTREMELY DIRTY.
WE DID SIGNED THE CONTRACT, and it falls under : " FALSE STATEMENTS STATUTE '' SECTION ( 2 ) Especially, the general federal Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the federal government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use a document known to contain a materially false statement or entry. Wilful Concealment.
To which ; Compensatory Damages, and Punitive Damages can be consider from the defendant 's conduct is deemed especially egregious. Discourage repetition of such conduct, and set an example for others who might be tempted to engage in similar conduct.
We are asking for a Rectification price ; placed upon this house. Its NOT Worth {$300000.00} dollars. According to its condition ; NOT reasonable, logically justifiable or justified, conforming to or in accordance with established rules, standards, principles of LAWS AND CONSTITUTIONS. Also ; my Tax-Exemption and my VA home loan benefit, entitlement has not been considering, nor acknowledge at all. Still shown on ESCROW payment legitimately.
Respectfully : XXXX & XXXX XXXX XXXX XXXX VETERAN XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX, Arizona XXXX
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| 05/09/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XXXX ( loan servicing ) under United Wholesale Mortgage applied both escrow and monthly payments in error resulting in delinquent account reporting to the credit bureaus.
Example 1 : {$2600.00} escrow payment was made on XX/XX/2020.
- XXXX/UWM reversed the escrow payment the same day as payment was made and applied it as the XX/XX/XXXX payment weeks prior to due date.
- No notification was provided to me that this occurred.
Example 2 : {$2300.00} XX/XX/XXXX payment made on XX/XX/XXXX was applied to principle only.
- No notification was provided to me that this occurred.
Example 3 : {$2300.00} XX/XX/XXXX payment made XX/XX/XXXX was applied to principle only.
- No notification was provided to me that this occurred.
I was notified that UWM was transferring ( selling ) my loan to a new company. I found all of these stated errors during my review of the account in mid XXXX when ensuring my escrow and other balances where in order.
I immediately notified UWM of the errors in an attempt to correct my account prior to the XX/XX/XXXX transfer date. UWM agreed they had made errors and reversed the escrow payment back to escrow and reversed the XXXX payment from principal to a monthly payment and removed the late fees.
The errors continued though ... the XXXX payment that had been applied to principle was reversed but applied to principle again a second time. UWM 's lack of response time resulted in transferring of the loan to my new mortgage company with escrow and payment errors. Although I am making progress with the new mortgage company to correct UWM and XXXX errors, I have been reported to the credit bureaus by UWM/XXXX as being delinquent XXXX days for my XXXX payment. This has dropped my XXXX credit score to XXXX. This is after UWM assured me that they were in error and nothing would be reported.
I have disputed the report with all three credit bureaus, called UWM, emailed UWM, used back channels through mortgage brokers over the past two weeks but have gotten zero results and still have a XXXX credit score and need to make a major purchase.
UWM and XXXX have made major errors that have impacted my credit and resulted in me spending over 50 hours attempting to minimize the damage. As a customer, I would expect a mortgage or servicing company to at least be able to perform the basic function of applying my payments correctly. If they can not do that and don't have the understanding to make corrections they should find work that is not as important as mortgages.
What should be considered is legislation that would require mortgage companies to compensate customers for the time spent in correcting errors made on the mortgage company 's behalf. I would bet they would improve their processes and certainly their response time knowing these errors would impact the bottom line.
Please help!
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| 04/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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To whom it may concern, I live in XXXX Florida, area that was heavily impacted by Hurricane Irma. I was given an option of forbearance by XXXX for 3 months, after which period I would either pay full amount owed ( {$7000.00} and change ) or do a loan modification and trial payments. I was told multiple times that negative credit reporting would be suspended during forbearance AND trial period for loan modification. I was even sent the letter spelling this out.
I am in the TRIAL MODIFICATION program and have made ALL of my payments ON TIME and in FULL.
On XX/XX/XXXX XXXX XXXX XXXX has reported me to all three credit bureaus as delinquent on my loan.
As a result, my credit score has dropped by 88 points over night.
After your incorrect reporting to the bureaus, credit bureaus reported the same to all of my banking institutions, and as of today, my credit worthiness has dropped from excellent to fair. First one of my banking institutions lowered my credit card limit from {$50000.00} to {$3000.00}, second banking institution lowered it from {$22000.00} to {$1000.00}, and third one from {$20000.00} to {$750.00}. All of my balances above these laughable credit limits became due immediately, and interest started accruing.
At the same time, I was working on a loan for my business which was supposed to be closed today XX/XX/XXXX but has been put on hold indefinitely because I do not meet criteria for the loan anymore. My credit score is simply too low.
I have spoken with numerous employees of your company, from following departments : Natural Disaster department, Loss Mitigation Department, Customer Service department, which got me nowhere. Calls I made :XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX At this point, your false reporting has affected me more than hurricane ever did. You destroyed my credit rating, my credit limits with various financial institutions ( which in order to be repaired even after you remove negative reporting would take hard credit pull for each of the accounts that were affected, which will again negatively affect me for the next 24 months ), prevented me and my business getting a business loan which we need to service clients order which has already been placed ( severely risking, me losing the said client ), and cost me a tremendous amount of time by bouncing me around different departments.
My livelihood and my familys livelihood has been severely affected by your actions.
I kindly ask you to do only what you already stated that you will.
Please do not report negative status and remove the reports that you already made as quick as possible.
Thank you.
XXXX XXXX XXXX XXXX XXXX P.S. The letter you sent me has been attached to this document.
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| 05/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I currently have a mortgage with XX/XX/XXXX. I am a XXXX in XXXX County. In XX/XX/XXXX Hurricane Irma struck and we requested a disaster forbearance for our home. XX/XX/XXXX granted the forbearance to the end of XX/XX/XXXX. At the time my mortgage payment was {$2600.00} per month. I had never been late since buying the home in XX/XX/XXXX. They told me at the end of XX/XX/XXXX to call them to set up new terms for the mortgage. I did so and was put on a 3 month " trial '' period of an increased payment from what I had been paying prior ( {$2600.00} to {$2700.00} ). At all points in this forbearance and modification of the loan have I followed all of their requests without fail. In XX/XX/XXXX they reported to my credit report that I am 60 days delinquent on my payments thus literally destroying my good credit. I have requested with them that they fix the credit report with an explanation the I have been under a forbearance due to disaster and have paid all payments that they have requested. I did so in writing to them and have, as of yet, had anyone correct this on my report. I've been complaining since XX/XX/XXXX ( the very day of the credit reporting ) for them to fix this and was assured they understood and would do so. This has been to no avail. I have lost my good credit, had my credit cards either reduce my credit limits or outright cancelled my credit. On top of this, they now state that I have a " lien '' on my house and they requested I go to the XXXX county records office to " prove '' that this is not the case because I presumably have a " common name '' and they now have the modification of my mortgage on hold. I went to the county records office and found no such " lien '' under my very specific name and faxed them all that was on the county record.
My grievance is twofold. They are taking advantage of people that suffered through a natural disaster and misreporting this to the credit bureaus that I am late on payments when I have followed to the letter what they have requested. I want my credit report accurately reflected as what has really happened. Also, the underwriters appear to be playing a game stating I have a lien on my property that does not exist just to stall on the final arrangements for the mortgage payments from this time forward. I want them to quickly resolve these problems as soon as possible. No more stalling, no more games, no more requests to run 20 miles to the county courthouse to find non-existing liens on my home or in my name.
I researched the XXXX XXXX XXXX web site for complaints against XX/XX/XXXX and found two other complaints from Hurricane Irma victims that are similar to mine. The company needs to be held accountable for their misdeeds against the victims of natural disasters and do what is appropriate.
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| 08/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My name is XXXX XXXX and my loan is serviced by United Wholesale Mortgage.
My loan number is XXXX.
I have previously made a complaint regarding United Wholesale Mortgage, different than this one.
Because I made the complaint on CFPB website and also closed a loan modification agreement with the investors ( XXXX XXXX ) for a lower interest rate than the one offered by United Wholesale Mortgage, the mortgage servicer provider ( UWM ) RETALIATES against me.
They have OVERCHARGED my ESCROW account by applying {$9100.00} that represents a full amount for the entire billing cycle for a year starting XX/XX/XXXX. I repeat starting XX/XX/XXXX, a full year ESCROW shortage for a SHORTAGE that doesn't exist but " will eventually exist starting XX/XX/XXXX " ( according to their absolute misleading escrow analysis ).
My payments have been established through the loan modification contract and already includes the payments for the ESCROW.
Before we closed the contract, UWM have sent me a letter ( same letter they sent to the investors- please see attached ) in which is clearly specified the monthly payment of {$1800.00}.
This payment includes : Principal & Interest {$1100.00} + ESCROW : {$710.00} + Monthly escrow shortage : {$46.00}.
I have agreed to pay this.
After we close the contract for the loan modification and made my first payment of {$1800.00}, United Wholesale Mortgage made another " ESCROW ANALYSIS " by which reflects that starting XX/XX/XXXX my ESCROW ACCOUNT will have a SHORTAGE of {$9100.00}.
Reason why they have divided this amount to 12 months and they add to my monthly billing starting XX/XX/XXXX another {$760.00} for the " XXXX XXXX ".
The TOTAL now for a month is {$2600.00}.
Can you just imagine this? : They charge 2 years AHEAD for the ESCROW SHORTAGE that didn't even occurred.
Why do we still have a loan modification agreement if they can do whatever they want and charge years ahead whenever they want?
Who stops this company from abusive practices against me?
If they did an ESCROW analysis in the beginning, why did they do another one AFTER we CLOSED the contract?
Is this legal? Is this abusive practice industry standard?
My understanding is that I can be required to pay a part of the estimated annual total in advance, but no more than a maximum of XXXX of the total.
Moreover, UWM is hiding this particular bill dated XX/XX/XXXX by which they have OVERCHARGED THE ESCROW ACCOUNT.
THIS PARTICULAR BILL WAS SENT TO ME BUT IS MISSING FROM THE ONLINE DOCUMENT CENTER. - please see attached.
WHAT WOULD YOU DO BELIEVE IF YOU WERE IN MY SHOES?!
Please STOP retaliating against me! Please STOP the constant abuse to OVERCHARGE me!
Please understand that I am a human being and you are INJURING ME IMMENSELY BY YOUR ACTIONS!
|
| 04/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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In XXXX, when I closed on my home, I was not informed that I was required to pay for the insurance premium upfront. At the time, paying the premium would not have been an issue. After several months, I received a letter that the premium needed to be paid for the insurance not to be canceled. I immediately called United Wholesale Mortgage to see what needed to be done and why the premium had not been paid. I was told that UWM needed to know where to send the payment and that it would be resolved. XXXX XXXX contacted UWM on XX/XX/XXXX and XX/XX/XXXX requesting the payment. UWM never reached out to me to ask that I send the payment out of pocket. A couple of months later, I received another notice that the premium still had not been paid. Once again, I called UWM to see what was happening and even spent a couple of hours trying to get UWM, XXXX XXXX, and myself on a three-way call. After being unable to set up the call due to someone always disconnecting, I provided UWM with all the contact information for XXXX XXXX. I asked if there was anything else I needed to do to resolve this, and I was told by the UWM agent that there was no further action required on my part and that the matter would be resolved. Fast forward to XXXX, I received a notice that my mortgage payment would go up {$750.00} per month and that the first new payment was due in 15 days. I called UWM again to see what was happening and was informed that the insurance matter had not been resolved as I had been told. Instead, I was placed on forced insurance, which was a premium of around {$5400.00}, and backdated to XXXX. This resulted in a much higher mortgage payment. The quote I initially secured with XXXX XXXX went from {$1600.00} per year to {$3400.00} per year when I tried to reinstate my original quote. I am not sure why not a single person informed me that the initial payment was to be made by myself and not by escrow. If I had known this, I could have easily handled it right after closing. Now I am struggling to provide with a single income while my wife is a full-time student taking care of our XXXX son. Being a new parent is supposed to be an exciting time, but the stress of trying to get this resolved with minimal response and struggling to meet this new payment has taken a devastating toll on my family. I have submitted several requests to UWM to rectify the situation and have been stone-walled with multiple denials. They could not even find the courtesy to respond to my requests, and I have had to find out by calling for an update and requesting that the response letters be sent to me. This was not an instance of laziness on my part, but this situation would not have occurred if there had been better communication on behalf of the mortgage company.
|
| 03/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
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Web |
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In XX/XX/XXXX I received a letter from United Wholesale Mortgage that my escrow account was going to be short and I need to either send in a payment for {$850.00}, or my monthly payment would increase. Which was weird being that I just started my mortgage with them. I mailed a check which cleared on XX/XX/XXXX. I also mailed my mortgage check. On XX/XX/XXXX I received one of their robo calls to call them back. The lady in customer service informed me that my mortgage payment never arrived. I made an over the phone payment and asked if they " found '' my check to notate I made my XX/XX/XXXX payment. I looked at my bank account online and saw they had processed my check and were still in the process of running my phone payment. I called them to ask to cancel my phone payment as th9is was money to buy XX/XX/XXXX presents. The lady I talked to said it would take 2-3 weeks and it would be better to go to my bank. I went to the local XXXX branch and explained to them what happened. They were confused why United Wholesale Mortgage would send me there, but processed a Reg E dispute. This dispute was declined by XXXX as I gave verbal authorization over the phone for the payment. We had just sent in another payment for XX/XX/XXXX which had cleared when we found this out. I call United Wholesale Mortgage and explained what my bank said as was told I had three payments process, so I was covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received a letter for United Wholesale Mortgage saying my XX/XX/XXXX payment was returned NSF XXXX ; I called to ask about this, as I never sent a check in XX/XX/XXXX. After repeated phone calls to them and countless hours spent by myself and my banker at XXXX, now I received another letter saying they are sending me to foreclosure. I have sent them, on multiple occasions, proof that my two checks have been paid, and my phone payment was processed. Every time I call them to resolve this, since they apparently have no outgoing phone lines and can not call a customer back, I have to resend the same information and am told this issue is in the cash department. Attached you will see the same item I have faxed to them over and over again. You will see two checks clear my personal account and one phone authorized payment. you will also see no credit back from United Wholesale Mortgage to My account. If my check, as they claim but can not prove, was returned, I would have that money in my account. You can Cleary see that they took three payments from me. Now they have put myself and my wife through emotional distress trying to resolve this. They have all of my proof that they have been paid, and can not provide me one item showing that they have not.
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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I refinanced my loan in XX/XX/XXXX which moved my home loan from United Wholesale Mortgage ( UWM ) to XXXX XXXX The new lender paid the County tax for the year, under XXXX XXXX XXXX in the amount of {$1700.00}. XXXX XXXX confirms tax is paid in full for the property, and only one payment was received.
However, UWM is claiming that they also paid the County tax, despite multiple confirmations from XXXX XXXX saying only 1 payment was received, and it came from XXXX.
I initiated calls with UWM starting XX/XX/XXXX to resolve the issue and to receive payment from UWM, because as it stands, I have 'paid ' taxes twice in one year.
UWM claims to have attempted several calls to XXXX XXXX and says they have left messages and even spoke with " XXXX. '' However, in my calls to discuss with XXXX XXXXXXXX tax dept, I learned that they don't have voicemail, nor an employee in the department named " XXXX. '' XXXX XXXXXXXX requested that UWM provide proof of payment ( check #, wiring info, etc. ) to support their claim of a payment sent and received by the County, but they have not provided this information.
I have requested to speak to managers and asked for call backs, but they have not called me. UWM says the issue is under investigation with resolution date of XX/XX/XXXX, but I was also told several other dates of resolution that have since lapsed.
UWM also shows they received a refund of this exact amount posted to their internal account/system on XX/XX/XXXX. This is likely the " bounced '' payment to the County, and I am getting the runaround from UWM saying somebody else has my money ( XXXX XXXXXXXX ), it's being investigated, or that they simply don't owe me anything.
Summary of Calls : XXXX Reviewing details, call back on XX/XX/XXXX for update XX/XX/XXXX XXXX XXXX sending back a payment, takes 3-4 weeks to process XXXX Actually takes 3-4 weeks from now ( spoke to XXXX at XXXX XXXX XXXX who doesn't exist ) XXXX Claimed that no refund for tax due, they were about to hang up. I asked why I haven't received my escrow, then they said it was coded incorrectly. Submitted an investigation, said it will be resolved within a week.
XX/XX/XXXX Claims they are waiting to talk to XXXX XXXX XX/XX/XXXX ( called twice ) UWM says I'm not talking to the right XXXX XXXX tax dept, and a payment was definitely received. Called XXXX XXXX, they have no proof of payment from UWM or their affiliates ( XXXX ), regardless of which XXXX XXXX tax department it was sent to.
XXXX Nothing they can do about the issue, other than wait until they complete investigation on XX/XX/XXXX XXXX Still no info from XXXX XXXX, they claim that XXXX XXXX isn't returning calls left on voicemail ( they don't have voicemail )
|
| 01/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
Due to the COVID pandemic, I suffered financial loss in being laid off. I applied for forbearance of my mortgage load. From XX/XX/XXXX Through XX/XX/XXXX. In late XXXX I called the loan servicing company United Wholesale Mortgage to talk about next steps. Specifically, I was curious about the qualifying factors for deferring the balance to the back of the loan. I was placed on hold for an hour and did not get a response.
I called back the following day, and was told that my account and the balance had been placed in deferment ; which I did not request. I was told then, that it was a mistake and was taken off deferment and I chose to continue forbearance for an additional 3 months ( XXXX ).
In XXXX XXXXI got a letter saying my payment was due and the balance from the original forbearance was deferred. Confused because of the conversation I had I called and asked to clarify and to speak with a manager. I was told a manager would call me back. No one ever did. I called again about a week later and again no one called me back.
In XXXX XXXX/XXXX XXXX I got a call back from management. I spoke to XXXX, employee ID XXXX. She assured me that she would fix the deferment issue and cancel that request that was never made. She would send me a letter explaining that it was fixed and would make sure that XXXX would also be in forbearance.
Additionally, throughout all this time, they have reported me to the credit bureau twice when part of the CARES law says that homeowners in these situations would not be reported to the credit bureaus.
Furthermore, I got a call from XXXX employee ID XXXX on XX/XX/XXXX, reminding me that my forbearance would end on XX/XX/XXXX. I asked if I already had a balance in deferment and she explained I did. I never got the letter XXXX promised and the issue was never fixed. XXXX said she would escalate the issue and get me a call back. No one called.
Finally, I called on XX/XX/XXXX to confirm that my option to defer the balance and begin paying on XX/XX/XXXX.I spoke with XXXX and Now I am being told that deferment is not an option because I already deferred a previous balance. This is ridiculous! Im being given the run around and no one is helping.
I have asked them several times to speak to management and I am only told that they will call me back and they havent. The only time someone supposedly did with XXXX the manager did not do anything that they said theyd do. Supposedly all calls are recorded but only management can listen to these calls.
All I am asking for ; is for all balances from XX/XX/XXXX-XX/XX/XXXX be deferred to the end of the loan. Thats all I need. My hardship is over, and I am ready to start paying. Please help.
|
| 10/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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Property Address XXXX XXXX XXXX XXXX XXXX CA XXXX I had a hardship. I went was laid off, placed on XXXX then XXXX. during this Time, I reached out to my mortgage company for a home modification. 10 months later ( sending documents, being told my account was with the underwriter, reisending documents ) I received a foreclosure notice on the door XX/XX/2016. This is after months of Submitting and resubmitting the documents, the same documents over and over. From XX/XX/2016 until XX/XX/2016 the same thing continue to happened, However XX/XX/XXXX they did n't push my sell date, claiming the Friday before the Monday it was to be sold, that they had n't received a document that I sent and had proof of sending. So I contacted a Bankruptcy Attorney. That Monday, my attorney reached out, they advised him that the sell date was postponed and that they had received my documents and that it was under review. Within a few weeks, I began to receive request for additional documents. The attorney reached out XX/XX/XXXX to get an update and to ask what was the plan because we need the information for court. The same day the modification was approved. and faxed over to my attorney. During this time I was forced to go back to work because they would n't help. The mortgage company has charged me over XXXX in fees. I have no issue with paying what I owe for not paying the mortgage. my issue is that my financial income has not changed in terms of what I make and was bringing home via XXXX. If they could approve the modification now, why did n't they approve it when I first submitted the documents. I would n't owe this much. I believe that they purposely did n't approve the modification because my house is in an area where the property value shot up due to the XXXX coming to my city. I purchased my house at XXXX with XXXX % percent down. The modification is for XXXX. Those are fees associated because they would n't approve my modification loan for months. Why should I have to pay for the underwriter workers dragging their feet, waiting 30 days to ask for documents, then waiting another 30 days and ask for the same document this was a continuous cycle, planned to either wait until I did n't submit a document to sell my house, or rack up fees to make my property un-affordable for me. This practice is not fair. I am a single mother, with a XXXX, XXXX XX/XX/XXXX. I had to go back to work, which the doctors did not approve all because the bank would not modify my loan. then when they do decide to modify my loan the payments are the same. The loan amount his higher along with the property Taxes. I am so confused, how can they do this to me! please help me ... I am so in need of your help!
|
| 11/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
|
|
I am a mortgage broker that used to work simultaneously with United Whole Mortgage ( UWM ) and XXXX XXXX ( now XXXXt ). I would shop both lenders for my clients to get them the best possible rate and pricing. As you are aware, UWM came out with a Broker Addendum ultimatum that dictated that if we wanted to continue working with them, we had to stop doing business with XXXX. It further stated that if we signed the addendum and still sent loans to XXXX, we would be fined by them. I elected to not sign this addendum and UWM cut me and my clients off from doing business with them.
I received a call from UWM 's Vice President of Sales, XXXX XXXX on XX/XX/2021 asking me to sign up with them again and he would give me his best top tier pricing that they offer to their largest broker companies, even though I am a small one man shop. But, I still had to sign the addendum agreeing not to do business with XXXX. I asked him point blank, " does UWM allow their largest broker clients or any broker to continue doing business with them and XXXX without signing the addendum or enforcing their fine on them or cutting them off from doing business with them if they did sign it and still used XXXX. He said " absolutely not, they apply their rule evenly to all brokers ''. I called up my former UWM rep, XXXX XXXX on the same day and he said the same thing that they are not allowing brokers to work with them and XXXX.
Today, I had an interesting conversation with XXXX XXXX a retail Loan Officer with XXXX Lending out of XXXX, AZ. I called him from a solicitation I received in the mail regarding refinancing my house. We spoke at length ( 23 minutes ) about what his company could do for me on a loan and informed me that his company works with the top wholesale lenders in the nation, UWM and XXXX. I did not solicit this information from him, he said it as as a sales tool and that he has loans going currently with both UWM and XXXX right now. I asked him about the ultimatum addendum that UWM wanted them to sign as well and he said his CEO, worked it out with UWM that UWM 's ultimatum did not apply to them. He said, " we had to punch them in the nose then give them a hug ''. When calling into their company it states their calls may be recorded for training purposes, so the call may have been recorded.
I know CFPB is aware of this ultimatum that UWM imposed on the broker community. It seems to me, to be a anti-competition / anti-trust violation that hurts consumers. What is CFPB 's position on this issue and the fact UWM does not apply it to all their brokers across the board?
I look forward to your reply.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
About XX/XX/2020 I received a letter from my homeowners insurance payment was delinquent and that my insurance was going to be cancelled. I promptly called XXXX and asked why I was receiving this letter, wasnt that supposed to be paid through the escrow account, and the representative assured me that the payment would be sent next day air to avoid cancellation. That did not happen.
About XX/XX/2020 I received a telephone call from my insurance broker telling me that my insurance had been cancelled due to nonpayment. I again called XXXX and requested to speak to a supervisor. I did not receive a call back. According to my insurance broker, the insurance company received the payment from XXXX after they has already cancelled the policy. I purchased replacement insurance that same day. I called XXXX back and I verbally requested that my escrow account be closed. I called on XX/XX/2020 and spoke with XXXX to check on the refund of my escrow account and he told me the request had to be done in writing. He provided an email to send the letter to. I again asked to speak to a supervisor. I received no return call.
Then I receive an email that says I had to submit the letter through the website. I did so immediately. A letter from XXXX dated XX/XX/XXXX states that my hazard insurance is expiring. That is incorrect because I paid for a new hazard insurance policy. I again called and was told that there would be a resolution by XX/XX/2020. I again asked to speak to a supervisor. I received no call back.
According to the XXXX website, when I check my account, the hazard insurance expired on XX/XX/2020. The letter stated that they were going to charge me, for the insurance that I did not have because of the irresponsibility of the escrow department at XXXX which caused my insurance to be cancelled in the first place. I called XXXX and a representative assured me I would not be charged. I asked to speak to a supervisor. I received no call back.
On XX/XX/2020 I called and spoke with XXXX. She again assured me that I would not be charged and that she or a supervisor would call be back by XX/XX/2020. No call ever came. On a letter dated XX/XX/2020 XXXX stated that my case is under review.
On XX/XX/2020 I called XXXX to check on the status of my case and was promised a call back. XXXX removed money out of my escrow account, for the insurance that I did not have because of their incompetency. I called XXXX the representative would not refund the money and would not transfer me to a supervisor. XXXX is an unresponsive, irresponsible and incompetent company. I would like my escrow funds returned. Including the funds they removed to cover their mistakes.
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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I was pre-approved to apply for home on XX/XX/XXXX with Nexa Mortgage for price {$290000.00}. I applied for XXXX Loan on loan with Nexa Mortgage to buy a home at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX with a binding contract on XX/XX/XXXX. I received the contract to buy the home.The Mortgage broker XXXX # XXXX is XXXX XXXX, phone number XXXX. The Loan Process was XXXX XXXX XXXX. The loan was supposed to be processed within theXXXX days to close on the loan my XX/XX/XXXX With XXXX XXXX Mortgage XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was informed that I had submitted all documents that was needed process the loan during the XXXX day contract time to buy the home and loss my {$300000.00} earnest money, inspection fee {$300.00} and {$500.00} appraisal. The loan processor continued to ask for documents needed past the XXXX day period and informed me that the underwriter did not know what he was doing and was no longer working at the company.
My Realtor Agent XXXX XXXX with XXXX XXXX informed Buyer to sign a Notice of unilaterally extend closing for XXXX days. I had until XX/XX/XXXX to close the contract with the seller XXXX XXXX.
My contact was not closed on XX/XX/XXXX due to the Buyer gives notice to the other parties to XXXX XXXX and sale agreement that the closing date is extended for 8 days for the following reason ( XXXX ).
A. Buyer 's mortgage lender, if any, ( including " all cash '' transactions or the closing attorney could not fulfill their respective obligations by the date of the closing due to no fault of the Buyer.
B. Buyer 's has not received required estimates or disclosures, and Buyer is prohibited from closing under federal regulations.
A copy of the notice unilaterally extended closing date for XXXX days was signed by buyer and seller.
The processing time of not closing my XX/XX/XXXX with Nexa Mortgage not being consistent of the XXXX day timing process caused Buyer to have a notice of unilaterally extension closing for 8 days. Nexa processing the loan was not within a 15 day period caused me to have to extend to 8 days and losing the XXXX 's {$3000.00} earnest, {$300.00} inspection fee and {$500.00} XXXX. The appraisal was completed on XX/XX/XXXX and The closing date of the contract was on XX/XX/XXXX. The XXXX XXXX XXXX decided to close the contract after the appraisal on XX/XX/XXXX and request the {$3000.00} earnest money although the buyer 's mortgage lender or closing attorney could not fulfill their respective obligations by the date of close due to not fault of buyer and not receiving required estimates or disclosures and Buyer is prohibited from closing under federal guidelines.
|
| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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A year ago, my husband and I purchased our dream home and finance our mortgage with UWM. Our experience through the financing process was seamless. We were very happy with the services we were provided. We were so happy that we referred other friends and families to finance their homes with your institution. Soon after COVID hit and like many families, we were financially affected. Our baby had just arrived and I had to go on an extended leave without pay to care for our daughter. As a result, we opted to refinance our mortgage to help make ends meet. Unfortunately, we were not able to refinance with UWM being that the cost and rate was not as competitive as other financial institutions to meet our financial needs. We began the refinancing process in XX/XX/2020. By XX/XX/2020, the request was submitted to UWM. When we began the refinancing process it was explained to us that a CEMA would be needed. We patiently waited but unfortunately to date, we have not been able to close on the refinancing. Our refinancing bank has exhausted all measures in attempting to obtain all the documentation needed from the custodian that is holding the collateral files. The attorney representing XXXX XXXX has been trying to obtain the collateral files from the custodian since XXXX and has followed up countless times with no result. I contacted XXXX XXXX ( attorney representing UWM ) on two occasions and all I have been told is that the custodian stated they will expedite the request but three months later we are still waiting. I attempted to obtain the name of the custodian for our mortgage and Mrs. XXXX said that information can not be disclosed to me. As a customer, who has been paying for a mortgage for the past year, I do not understand why this information can not be disclosed. Today, we were informed that out rate lock can no longer be held. As customers, we have made it our priority to make sure we continue to pay or mortgage timely. We have done the impossible to try to stay on top of our payments while we are able to refinance. We are highly disappointed that a financial institution rated so highly and who we recommended to our friends and family has let us down in a time of need. I have called UWM countless times in the past month and have not been offered no valid explanation as to why this process has taken as long as it has. As a result of the lack of diligence, we will no longer be able to keep our rate lock without having to pay a weekly fee. My husband and I are in hopes that UWM can provide us with answers as to why the custodian is holding our collateral documents and is not releasing them. We are in dire need.
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| 03/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a re-finance home mortgage through XXXX XXXX XXXX ( henceforth known as XXXX ). It was set-up with an escrow account for home owners insurance as well as property taxes.
XX/XX/XXXX I received an overdue tax statement from my township stating my winter property taxes were overdue.
That evening we first contacted XXXX and then promptly followed the instructions in trying to get the delinquent tax notice paid. All information required was provided multiple times via e-mail and fax ( pictures, .pdf, etc ).
My wife handled the situation until XX/XX/XXXX when I took over because the stress was too much for her to handle with her XXXX struggles. Number of phone calls between XX/XX/XXXX and XX/XX/XXXX is >4 but unknown to me.
XX/XX/XXXX at XXXX XXXX EST : Spoke with Customer Service Rep and supervisor. Confirmed fax # and information re-requested was received. Feedback was requested by COB. No feedback.
XX/XX/XXXX at XXXX XXXX EST : Confirmed with local township taxing authority that tax bill was indeed submitted to XXXX. Local tax authority informed me that the issue was handed to the county on XX/XX/XXXX due to the closing of the books. Township also submitted a formal inquiry to try to help me with resolving the issue.
XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with a different supervisor. Feedback was issue would be resolved by XX/XX/XXXX after amount due and legal description were clarified by taxing authority. Phone call to be received within 5 business days max ( most likely 3 ).
XX/XX/XXXX : E-mail from township informing me that inquiry was received by service agent of XXXX. Township clarified reconciliation needed to be complete with county and that it was in settlement.
XX/XX/XXXX : Phone call received by my wife from customer service rep stating issue was still being worked on. She asked them to contact me as I am the primary phone number and have taken over the issue to see it resolved.
XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with customer service rep and supervisor. Internal inquire supposedly submitted again within XXXX. Feedback requested by end of day.
XX/XX/XXXX at XXXX XXXX EST : No feedback received. Follow-up phone call initiated requesting support of not only super visor but also next level up manager due to lack of resolution thus far. Confirmed last notes on account was from phone call earlier in the day. No action or feedback other than they are working on it. Manager assured next action would be completed by XX/XX/XXXX.
Based on previous commitments, expectations of resolution are low by the time the county takes next action.
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| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi there, My name is XXXX XXXX, I am a XXXX XXXX and have three properties in XXXX XXXX. One primary residence and two rental properties.
One of the rentals was under renovation and another is being rented.
My tenant got laid off during covid-19 lock down and was unable to pay the rent.
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from united wholesale mortgage that dropped my score by 100 points.
I called UWM very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance ( file attached ). Customer rep from UWM submitted a request and told me I would receive a letter from UWM next 20 days. She also advised to file a dispute with credit bureaus witch I did same day.
I just received XXXX dispute results and it still shows 30 day late payment.
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX.
I have 2 accounts with UWM and I paid my personal property on time but I did not have funds to cover the rental property.
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences.
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic.
Loan number with united wholesale mortgage XXXX ( account was just refinanced ) Property address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX report number : XXXX
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| 01/06/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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On XXXX XXXX, XXXX I signed contract to purchase a home for {$120000.00} and this is what happened : This house and approximately XXXX others are all built on the wrong lots and I am in litigation because I have been evicted from my own home. The problem came in XXXX when a survey was performed that set an entire area of the plat off at least XXXX feet to the west. My house is built XXXX feet to the east across the street from the actual property. The deed states Lot XXXX section XXXX, but the house it built on Lot XXXX section XXXX. I paid a surveyor to survey this area and all he did was pull the old survey and stamp it and never went out to the property otherwise he would have known it was the wrong lot. Further digging into this due to the eviction lawsuit, the county knew that the survey was off based upon a letter written in XXXX, but still issued building permit for my house in XXXX. I have been trying to work with the mortgage company, but I am in default of the loans I have already paid thousands of dollars and down payments for a house I will not own. The title policy refuses to pay based upon the exclusion of the survey, but have agreed to represent me in the eviction case, the present mortgage company just had the loan pulled from investments because it was in default and forced the original loan company to take it back because it was more than clear to them that this is a faulty loan. This is all unfair and unjust to me as a consumer that I have to pay for something that is clearly not mine. Now the original mortgage company who retained the loan is threatening me. My credit is being ruined I had good credit, but now because of this I am being ruined financially. I want restitution for this loan I paid for due diligence I did everything right I paid for a title search a survey, etc. and I am the victim. The owner of the land clearly wants the house the judge has n't ruled on eviction because it is so complex with the other XXXX homes, the county is involved, multiple builders, multiple title policies, multiple surveyors, multiple banks, mortgages and an unbelievable amount of issues. No one knows what to do it will be in litigation for the eviction for years. Ca n't file lawsuit until eviction is final meanwhile my credit is destroyed and I will never own this house and foreclosure is threatened on a house the bank does n't own. I have all the documentation to prove this I want to be discharged from this debt the original mortgage company is at fault by providing me with a untrue faulty loan on a house that I do not own.
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| 01/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have a loan under United Wholesale Mortgage, my loan is a XXXX XXXX Loan and I have used 6 months of the 12 months under the Cares Act. The problem I have is I have called to extend my forbearance and they keep telling me they put in the request and I should be good but then nothing happens. I have been calling since XXXX to get everything worked out. The only thing anyone tells me is they will be putting in a request, they don't call anyone else or try actually solving the problem. I was able to get one month added but only after being on the phone for over 20 hours ' worth of phone calls. They gave me one month and I called in again in XXXX to extend for another 6 months per their policy. They keep doing the same thing, no one is handling my account at all. We found last time that the system was just Auto closing my tickets and the if they only put a request in the system it will just keep closing it. I also get a different story each time and told I have to wait. Its been over 30 days and no one is actually trying to help, the normal time as I understand is 7-10 days. They are simply saying they are putting a request in and then nothing happens. Under the Cares act I'm allowed 12 months of forbearance I've used 6 and they do not need to be consecutive. I have spent another 20 hours on the phone since XXXX to try to resolve this and no one is doing more than just submitting a service ticket in their system. There is something wrong with their system, or they are simply not processing these requests. Both are wrong. It seems like they do not have any standard practices in place for these issues and because representatives give different answers and assurances each time, it hard to believe they are actually doing anything or care too. One even told me I have a forbearance when I don't. I have been told they would call me back and they don't, I have been left on endless holds ... It just keeps going on. What no one has done is actually call or talk to anyone in the loss department or anyone that can actually help. They will only put in a service ticket and those service tickets don't go anywhere.
Overall, it seems to me under the Cares Act that I do qualify for this forbearance and that UWM should be taking care of this as part of their responsibility under the cares act and they are neglecting to do so weather intentionally or out of incompetence.
I need help trying to get this resolved as all my attempt to try to resolve it with UWM have resulted in the person putting ins request and no one actually taking care of the issue.
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| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My Complaint is Against United Wholesale Mortgage ( UWM ).
On XX/XX/XXXX my loan was paid in full ( by way of a Refinance also with UWM. I have never had an Escrow account with either of my mortgages with UWM ( I pay my own property taxes and homeowners insurance ). I am owed a Refund for Overpayment of the Paid in full loan- Not a refund of any Escrow account as I've never had an escrow account with UWM. The amount I'm owed is in Excess of {$3500.00}. It is now XX/XX/XXXX ( 41 Days Later ) and I have still not received my money.
On XX/XX/XXXX as per UWM online records, UWM received wired funds to pay the mortgage in Full of {$480000.00}. On that day the Principal Balance indicated on their website was {$480000.00}.
On the UWM Website, it indicates 2 refund payments, one for {$3600.00} and another for {$4.00} both on XX/XX/XXXX and both with the reference " Escrow to Mortgagor Disbursement '' On Monday XX/XX/XXXX at XXXX XXXX, I called UWM to find out the status of my refund ( Loan had been paid off over 30 days at this point ). I spoke with the initial representative and then a supervisor ( didn't document their names ). They both gave me different dates as to when my Check had been mailed out and the initial representative further told me that they do not control the USPS. After getting conflicting information as to when it was mailed and when I might reasonably expect to receive my refund, the supervisor said that it could take up to 10 days from mailing date and recommended I wait until at least the end of the week to see if it arrives in the mail ( XX/XX/XXXX or XXXX ).
On Wednesday XX/XX/XXXX at XXXX XXXX, I called UWM for a 2nd time, this time Representative XXXX told me they recommend waiting at least 21 days from mailing date and so i should wait a while longer. I told her that was now unacceptable and that I wanted the payment reissued to me in an overnight package. She sd. that couldn't be done. I asked why a multibillion dollar corporation could not use XXXX or XXXX XXXX to expedite my overdue refund. She just continued to say it was not possible. Lastly, I asked simply how I could get my money as soon as possible. XXXX sd. that all she could do was request a cancellation of the supposedly mailed check and reissue which would now take 3 to 4 days of additional processing time and then whatever regular USPS mail time would be. I said OK, well whatever you need to do to get me my money.
I feel that UWM is playing games, is not being forthright in issuing me a Refund and may be in breach of the law.
XXXX XXXX
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| 07/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I write to request a 3 month extension of my forbearance to allow for United Wholesale Mortgage ( " UWM '' ) to process my pending deferment application.
Due to a COVID-related incident, in XXXX of XXXX I was placed on a 3 month forbearance with UWM ( see attached ). Three months later, while still experiencing a financial hardship related to COVID, I received an additional 3 month forbearance ( see attached ). The forbearance was scheduled to end XX/XX/XXXX.
On XX/XX/XXXX, I contacted UWM to apply for a deferment of the outstanding balance that accrued during the forbearance period -- approx {$25000.00}. I was told it was too early to apply and that I should wait until mid-XXXX. It was explained to me that the deferment application takes 10-14 business days, and once approved, my loan would be placed back into repayment status and my regular monthly payment would resume.
On XX/XX/XXXX, I contacted UWM and applied for a deferment. I was told it would take 10-14 business days and that my deferment would be approved because the forbearance related to COVID. I was told that I would continue to receive notices to contact UWM for a " loan workout '' ( see attached ) but that I should ignore them because my deferment application was pending. Thereafter, on XX/XX/XXXX my loan was taken off forbearance and placed in repayment status. I contacted UWM on XX/XX/XXXX to inquire when my deferment would be processed and asked how I should submit the monthly payment for XXXX. I was told to wait, to be patient, and to NOT make any payments.
It is now XX/XX/XXXX, and the only correspondence I have received from UWM are letters telling me to contact them to " work out '' an agreement to payback the outstanding balance. When I call, customer service tells me that the letters are standard and that I should ignore them. Moreover, I am told that my deferment application is still under review. During a phone call XX/XX/XXXX, I was told that UWM takes 30 days to process deferments so I would likely not receive a response until mid-late XXXX. By that time, I will be past the grace period and UWM said they would have to report the delinquent payment to the credit bureau.
UWM completely misrepresented the deferment process to me when I first applied for the forbearance. Further, they misrepresented to me the timeline for applying for a deferment. Each time I call I receive the same response -- wait. Meanwhile, I risk getting a negative reporting because of UWM 's misrepresentations. Please correct this immediately.
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| 05/13/2021 |
Yes |
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- Trouble during payment process
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Web |
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I have a complaint with a deed in lieu and/or foreclosure since my last payment in XX/XX/XXXX. For some unknown reason my mortgage company rejected my request on XX/XX/XXXX and they have not processed a foreclosure. They have continued to use my escrow account to pay for taxes, home insurance and even paid for some lender fees? I have no intention of keeping the property to which they have been aware of. On XX/XX/XXXX they have requested documents I had already provided to them for the rejected Deed in Lieu weeks prior to their latest delay. There is a note on my account stating my account is not eligible to make payments and to call XXXX for assistance. My loan number is XXXX for property XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have continued XXXX XXXX and XXXX and their lack of action is continuing to be a problem for my XXXX health. I am trying to process the irresponsibility of the real estate professionals who chose to rip me off. I am XXXX XXXX XXXX and would like to move out of my sons home and put this behind me.
They continue to show my loan as unpaid on my credit report and this has caused me financial problems. I have been in contact several times in the last year with my Mortgage Lender, United Wholesale Mortgage aka XXXX XXXX XXXX XXXX Mortgage, regarding a home loan I have in XXXX, TN. They have changed my loan specialist for my account almost monthly and have not spoken to my latest specialist as she wont return my call. I had to vacate the property in XX/XX/XXXX due to lack of hot water for several weeks which started a month after I moved in. I purchased a home in XX/XX/XXXX with a full warranty supposedly to be provided by the seller, however the warranty was XXXX ordered and paid for by my Realtor for {$480.00} XXXX. The home warranty company has not repaired or replaced the defective water heater even after several service call requests. XXXX XXXX XXXX breached the contract and I did some checking into the realtors and discovered the sale was based on questionable actions and undisclosed information.
I had reported the problems to my mortgage company United Wholesale Mortgage XXXX When I first approached the mortgage company with the issues they thought I was trying to do a deed in lieu, I stressed there was some fraudulent actions by the people involved in the home I purchased. I received no help from my mortgage company and to this day I have received no help. They have used ALL my Escrow funds to pay bills for that home that should have been foreclosed on months ago.
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| 07/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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I contacted mortgage broker XXXX XXXX, XXXX with XXXX in XXXX of 2015 to get a mortgage pre-qualification to begin shopping for houses. When we found a house that we loved and made an offer in early XXXX we requested a closing date of XXXX XXXX in the offer based on what XXXX indicated would be a reasonable amount of time to secure the mortgage. On XXXX XXXX I went to XXXX 's office to sign all of the application paperwork and asked again if we would be on track for a XXXX XXXX closing and was told that we should be OK. I was asked for various documents along the way and always responded quickly, normally the same day. I followed up a few times about the date since I was planning to secure friends to assist with the move and we were selling the existing house that we were living in the following week. On XXXX XXXX I received a conditional commitment and was told that we still looked good for a XXXX XXXX closing but they just need to tie up a couple things. The issue came on XXXX XXXX, I sent an email asking for a status at XXXX XXXX and received the following response at XXXX : " We got all of the conditions related to you cleared ; however there is a condition related to the appraisal which should have been cleared by the appraiser earlier this week ( basically, an " explain why you did XXXX on comp # XXXX '' type question ), which the appraiser did not take care of before leaving on vacation for this week. We are requesting " backup '' to see if the appraisal management firm can fill in for him on it, but since it 's an explanation of a judgement call I ca n't say for certain whether than can be cleared before next Monday. So that makes it likely that your closing gets pushed to the middle or end of next week. " Basically I was told about one full business day prior to the date I was supposed to close that it could not happen. I had time scheduled off work, a rental truck reserved, friends planning to assist, had to make the sellers of our other house adjust their timing. The feeling I got was that these things happen in this industry and everyone pointed fingers at it being someone else 's fault, the underwriter needs something, but the appraiser is on vacation, the broker can do anything with United Wholesale Mortgage, and XXXX would not give any information to applicants, etc. I understand that things happen, but to be given such little notice was extremely stressful and resulted in additional costs of having to pay movers and adjust my schedule - let alone settle in to my new home.
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| 09/20/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Problem started First week of XX/XX/XXXX, after 100 % XXXX sought escrow to be reduced because of property tax reduction that would decrease our monthly payment over {$130.00} or more and as I contacted the mortgage company and asked what they needed and sent in the awards letter and the new tax estimate directly from the property tax commissioners office with his name and telephone number on the paper ( I submitted 4 times to an XXXX that identified herself as in the escrow DepXXXX of the mortgage company.. The Company on several occasions even spoke to a 3rd party including me on the call From a XXXX XXXX company verifying if I had a mortgage with this company and they said on several occasions our loan number was not with them ; however, we have never missed a payment or had a late payment in any mortgage history. We have been canceled by 2 reputable mortgage companies because this company placed us unknowingly on a forbearanceXXXX XXXX XXXXXXXX situation that was explained to us by another mortgage company that we were blocked from securing refinancing because of this major decision made by the mortgage lender without our knowledge and consent the lady XXXX called me on XX/XX/XXXX and said everything had been corrected and our records were clean and I requested a letter stating this because we need PROOF that we never asked to be put on forbearanceXXXX XXXX as this s has caused us major intentional delay and excess spending because of this company not honest and willing to correct and release accurate information on our account.. they have been collecting our money including the call on XX/XX/XXXX and paid on the phone with a confirmation given to be called again by XXXX on XX/XX/XXXX saying payment didnt go through and I told her this is out of order and I will not be penalized for her mistake and checked with my bank from another line and they said that amount was not taken she promised that since it was their fault about the transaction there would be no late charge.mind you as I had received the XXXX statement prior to call and checked my email XX/XX/XXXX and the Company has issued another statement with a {$30.00} late fee! PLEASE HELP US RESOLVE THIS AS WE FEEL THAT THE MORTGAGE COMPANY SHOULD REIMBURSE US ALL THE EXTRA MONIES WE PAID ON OUR MORTGAGE AT THE HIGHER INTEREST BECAUSE THEY INTENTIONALLY DID THIS TO US BECAUSE THEY KNOW WE HAVE NEVER MISSED A PAYMENT AND WANTED TO REFINANCE WITH ANOTHER COMPANYTHE MONTHLY REFUND SHOULD BE GIVEN FROM XX/XX/XXXX THROUGH PRESENT
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| 09/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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|
|
Web |
Servicemember |
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We refinanced with United Wholesale Mortgage in XXXX. We closed on XX/XX/XXXX, and signed a document that stated we were not in a flood zone. However, the second paragraph stated that if something changes, UWM can require flood insurance. On XX/XX/XXXX, we received correspondence stating that we were now required to purchase flood insurance. We have lived here for 11 years and never been required to purchase flood insurance, so I called and asked why and what had changed. They stated FEMA is saying we live in a flood zone. I have a survey of my property that was done when the lots were split and it shows that I am not in a flood zone. There is a stream running through my property, however my house is elevated and back from the flood zone. I have asked on three occasions to get the documents the company used before closing and the document that supports the change after closing. I have received nothing but the document I signed at closing. My last call, the rep stated that my survey was not in my file ( I submitted it during the refinance ) and I should upload it to the company webpage and she would send an email explaining the submission of the survey. This was yesterday the XXXX of XXXX, then I received an email telling me that my submission was insufficient or inaccurate, and I should call. When I called today the XXXX of XXXX because of the email I received, I was told to submit the documents again and she would send another email. I am getting the run around, this refi that was suppose to save me money has now cost me over {$2000.00} in flood insurance as well as an additional {$680.00} that UWM charged me for a lapse in coverage that I don't need! And that money went directly to them! I am not able to speak to anyone except the front line call center who can not help me and who several have been really rude. I have repeatedly asked to speak to a supervisor or someone in the insurance department and I have been told that is not possible. I am beyond frustrated, and because this happened I went and read reviews on the company, there are numerous bad reviews for the same exact reason of having to purchase flood insurance. There is definitely a pattern. If I had known that I would be forced to buy flood insurance, I would not have refinanced my mortgage. In addition I have contacted FEMA and was told that a survey of a property should be sufficient to provide to the mortgage company. I have attached a copy of the scanned survey, it is divided into 8 pages due to its size.
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| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To whom it may concern, We are issuing a formal complaint against United Wholesale Mortgage ( UWM ) who currently holds our mortgage and escrow account. We believe has violated the law under XXXX. Detailed below is the months long process of attempting to correct our escrow account, have funds owed to us refunded by the institution, and have our escrow payments revaluated to the appropriate amount required to make all payments ( property tax and insurance ).
UWM practices are unfair to the public. As you can see, it has taken 13 calls to UWM to have our escrow account reevaluated, in the meantime, we are required to pay ~ {$600.00} essentially overfunding our escrow account. We still are required to write a letter to have funds owed to us returned, with no guarantee the funds will be returned to us, not documentation or letter provided to us as to the result of their investigation.
The definition of Unfair per the CFPB : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material.
An unsubstituted increase of {$600.00} a month in escrow funds is a significant impact to us the consumer. That amount is not insignificant and it carries a financial burden. In the information detailed below, it is clear the UWM staff mislead us, did not provide promised follow-up, failed to provide details as to the review of our account.
Although their UWM staff appear to be untrained, providing misinformation, and making promises they company cant keep, truly it seems as though the customer service is set up to deceive their customers. As outlined in the CFPBs definition of deceptive acts or practices : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material.
It is clearly evident in the details below that the misinformation provided by UWM staff is purposeful, designed to confuse and frustrate people into giving up.
See attached letter for full description and timeline
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| 11/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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I'm looking for assistance with United Wholesale Mortgage account number XXXX. UWM recorded the incorrect Property Identification Number ( PIN ) aka the parcel ID on the security deed and has paid the escrows to the wrong property for XXXX and XXXX. The incorrect parcel ID XXXX XXXX. XXXX XXXX paid off the taxes and now has two liens on my property in XXXX county. UWM 's failed attempt to fix the issue has raised my monthly escrow payment by {$510.00}, which in order to keep my credit clean I have been paying for the last 4 months. I've also been unable to sell this property since I first contacted the bank in XXXX. Now, I have been dealing with UWM 's support number for 6 months with no forward movement. Are you able to help? Any advice on getting this corrected.
Long version : I purchased a home in XXXX XXXX in XXXX. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. Correct parcel ID : XXXX XXXX. XXXX County account number is XXXX. I took out a mortgage for 80 % with escrows from United Wholesale Mortgage. I'm in the XXXX XXXX XXXX and XXXX for 9 months at a time. I would get an email from the bank every XXXX stating your taxes have been paid to the county, great, no worries.
I returned home in XX/XX/XXXX from a long tour to XXXX and I noticed a letter from a XXXX XXXX, who I've never heard of before. The letter read " We have purchased your unpaid property taxes and now have a lien on your home. XXXX XXXX is actually XXXX, XXXX.
I checked the XXXX county property tax records ' website it states, " XXXX and XXXX sold ''. I checked the closing documents : the parcel ID on the title deed matches the parcel ID on the county 's website. The PIN, aka parcel ID, on the security deed is incorrect and the same incorrect parcel ID is on UWM 's website property tax receipt.
For two months, beginning on XX/XX/XXXX. I called the UWM. Working with different people, trying to resolve the issue. UWM quickly changed the parcel ID to the correct parcel ID. So this year my property taxes were to be paid properly.
UWM 's solution is to send the county a check. This is wrong, however, the county has already been paid by XXXX XXXX. Now XXXX XXXX needs to get paid so they can issue a letter releasing the liens. UWM 's action caused an escrow adjustment on their escrow account stating that I'm short {$6600.00} on escrows. This raised my monthly payment by {$510.00}. In order to not get a bad hit on my credit I have been paying it for over four months.
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| 09/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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Web |
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I hope this letter finds you well. I am writing to express my deep concerns and distress regarding the ongoing interactions I have had with your organization. As an XXXX who identifies as XXXX, I have always held the belief that every individual deserves to be treated with fairness, respect, and dignity. Regrettably, my recent interactions with your team have left me feeling targeted and marginalized, despite my genuine attempts to seek assistance and clarity on my mortgage situation.
Over the course of our communications, I have found that the information provided by your representatives has been anything but clear and professional. The constant correspondences and documents mailed to my residence have not only been overwhelming but have also come across as misleading and at times, contradictory.
I have actively sought assistance for my mortgage due to the hardships presented by the XXXX pandemic. Despite my diligent efforts in ensuring that my application for assistance was complete, I was repeatedly informed that it was not. This has not only caused me undue stress but has also led to an environment of uncertainty about the future of my residence. It was disheartening to receive multiple foreclosure packages, giving an impression that I was on the brink of losing my home. The emotional toll of facing the insecurity of potential displacement can not be understated.
Ironically, after the repeated intimations of my application being incomplete, I received a letter from your end stating that my mortgage assistance request was indeed complete and devoid of any missing documents. Yet, in a bewildering turn of events, I once again find myself receiving foreclosure packages and being advised to reapply.
The inconsistency in communication and the lack of transparency have made an already challenging situation even more difficult for me. I am earnestly seeking the assistance that I am entitled to during these unprecedented times. I implore you to review my situation with the seriousness and urgency it warrants.
In conclusion, I kindly request clear answers to the following questions : Is my application for mortgage assistance complete and under review?
What is the current status of my mortgage, and are there any impending foreclosure actions?
What are the next steps I need to undertake to ensure the security of my home?
I appreciate your attention to this matter and hope for a resolution that ensures transparency, fairness, and empathy.
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| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I closed on a conventional mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/XXXX. I opted to have my property taxes and home insurance premium included in an escrow account.
On XX/XX/XXXX XXXX withdrew the XXXX premium from my checking account ( {$510.00} ) based on my auto pay preferences on file. ( XXXX includes a discount ). On XX/XX/XXXX UMW sent a payment to XXXX ( {$530.00} ). XXXX refunded the escrow payment to my checking account. They advised me that I only receive the discount when I pay the premium. I contacted UWM to remove my home insurance from the escrow account. I was advised to wait 6 months and contact them again ( XX/XX/XXXX ).
I called UWM XXXX ( XXXX ) XXXX on XX/XX/XXXX to request removal of my home insurance premium from my escrow account. I was told that I would have to be reviewed prior to action being taken. The service person returned to the phone to say my request was declined. When I asked why, she said that MN State Law dictates that XXXX XXXX loans do not allow escrow accounts to be change for 5 years from the loan anniversary date. I asked to speak with a supervisor who gave the same reason for denial. I have looked up the explanation in MN State law and it is in there.
My complaint is that upon reviewing all of my closing documents/disclo-sures, there was nothing citing MN 's law requiring a 5 year waiting period to change my escrow choices. Had I known there was a 5 year waiting period, I would not have opted to have an escrow account for the homeowners insurance. ( I am enclosing pg. XX/XX/XXXX of the closing document " Mortgage '' which addresses Escrow/Loan disclosures [ highlighted in red saying " any time '' ] and is a MN-specific boilerplate form which should have conformed to MN law. Also enclosing pg. 4 of Closing Disclosure addressing Escrow rules and makes NO reference to a 5 year waiting period.
The Title Company is Legacy Title ( XXXX ) XXXX. I'm not sure if they share in the lack of correct disclosure.
I also contacted XXXX, as they were requested by UWM to have me sign and return a document that changes the Payer from me to UMW. I was told that XXXX could not bill the discounted amount to UMW. I must sub- mit this form to the XXXX Home Office before XX/XX/XXXX. If this form is not on file, XXXX will not pay UWM 's escrow billing statement, and I will be considered to be uninsured ; UWM can then make me choose an insurance vendor of their choice.
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| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I noticed that a recent credit report of mine included a thirty ( 30 ) day late payment that was reported on XX/XX/2021 and posted to my credit report on XX/XX/2021. This remark is in conjunction with a payment that was due to United Wholesale Mortgage ( UWM ) on XX/XX/2021. The payment of {$2200.00} was made on XX/XX/XXXX, however, the payment was reversed due to a bank error that I was never notified of on XX/XX/2021, just three ( 3 ) days before my next payment due date. This left very little time for proper notification and correction, as once a payment is thirty ( 30 ) days late, it is to be reported to the credit bureaus.
Had it not been for a lack of awareness regarding this issue, I would have a perfect payment history, one that I take very seriously. I truly believe that this does not reflect my credit worthiness nor my commitment to repaying my debts.
I was never directly notified of any issues regarding the above mentioned payment by United Wholesale Mortgage. After becoming aware of the derogatory remark on my credit report, I spoke with someone from UWM via telephone who advised me that I was attempted to be reached via telephone, however, those phone calls were only made to the " primary '' phone number, which at the time was ( XXXX ) XXXX, which is not my phone number. I was then advised that UWM is not allowed to leave any voicemails, indicating that no information regarding the payment was ever or would have ever been provided through a voicemail. I was also advised that a letter via US mail was mailed to my home address on XX/XX/2021. To this day, I still have not received that letter. Even if I had, the likelihood that I would have received it before the next payment due date of XX/XX/XXXX is low.
I take my finances very seriously. As soon as I became aware of this reversed payment, I immediately made a payment of {$4600.00} that included all owed amounts, including the payment for XXXX as well as XXXX, as well as the late fees and reversal fees associated. I have never missed a payment, ever. This is a terrible mistake that I sincerely hope does not have to follow me for the next seven ( 7 ) years.
I filed disputes with all major credit bureaus as well as with UWM. I provided descriptive information to UWM that indicated the lack of notification, however UWM has failed to take responsibility and has stated that they will not change the reported information.
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| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / United Wholesale Mortgage that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane XXXX. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. UWM maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the UWM online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted UWM regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the UWM portal during this entire period was {$0.00}. UWM relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by UWM stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, UWM stated that I had not been delinquent in payments. Upon closing my loan with UWM, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.
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| 10/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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During the course of establishing billing notices, I opted to be notified by electronic means. United Wholesale Mortgage, UWM, agreed to provide said notices without paper billing, a decided advantage to them. The company then proceeded to send billing notices based on receipt of the previous monthly payment plus 31 days. Per the record from my account website the following occurred.
The XX/XX/XXXX billing was sent by email on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XXXX/XXXX/XXXX now 17 days late. I was charged a late fee. At this point I realized that a payment I had made in XX/XX/XXXX had not been properly credited. I made 2 monthly payments in XX/XX/XXXX but was given credit for one monthly payment and a payment to principal. This was not what I had requested and after conferring with a customer service representative, it was corrected, the late fee rescinded and no adverse credit reporting was made. I received a corrected statement on XXXX/XXXX/XXXX. The next statement for XX/XX/XXXX arrived in my email on XX/XX/XXXX. The XXXX statement arrived on XX/XX/XXXX. I paid as soon as I received this statement although it was not on the first as provided. The XXXX statement arrived on XX/XX/XXXX. I paid this statement on XX/XX/XXXX as I was out of the country and did not have a secure connection. The XXXX electronic statement arrived on XX/XX/XXXX which was a day after the date that caused late charges to accrue. I immediately made payment. I immediately contacted a customer service representative. The representative said that UWM had set up its electronic billing so that it did not generate an electronic monthly statement until receipt for the previous month was made and then 30 days later. Thus, the electronic statement was not sent till after late charges accrued because of the method of electronic billing by this company. The representative told me the late fee would be waived because it was the company error on the billing. When this did not occur I contacted the company again. The representative I spoke to advised that since I had a previous waiver due to the company mistake in XXXX, I was not going to get a waiver and I must pay the late fee. I tried again in writing by email and was ignored. Thus, the company billing scheme appears to generate late payments and increased late fees of {$42.00}. I want the fee waived.
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| 02/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to express my concerns about my current lender overcharging me in escrows for taxes. I believe that their actions are unfair and in violation of industry standards.
Recently, Our condo received a tax bill and we did not get individual bills yet as the lot was not subdivided yet for each unit and this will only be done on XX/XX/XXXX. However, I am only responsible for 10 % of the current taxes. The lender is claiming that my upcoming school tax bill on XX/XX/23 will be XXXX dollars. This is untrue as they are looking at last years bill which was XXXX bill for the whole condo instead of separate bills. Despite this, my lender is now overcharging me in escrows for taxes, resulting in financial strain for me. Additionally, with my next school tax bill being significantly less, my lender will be in violation of keeping more than XXXX of my annual obligations in escrow at any given time.
Furthermore, I tried to just begin taking care of the taxes myself as the lender was doing a poor job with their analysis but my lender denied my request to waive escrows, and my payment is set to increase by more than {$2000.00} next month ( XX/XX/23 ), which is a burden that I can not afford and will ultimately result in me defaulting on my mortgage. I am extremely concerned about the lender 's actions and the negative impact it has on my financial stability.
Finally, on XX/XX/23 we received 1 town tax bill for the whole condo which was paid by the condo sponsor attorney on XX/XX/23. The town verified that they rejected payment from my lender and my lender is still claiming that I have an escrow shortage for a payment which they never made!!
Furthermore, They denied my escrow waiver request saying that my XXXX is above 80 % but my lender clearly has in their guidelines that they are ok waiving escrows even up to 95 % and I am below this figure.
Please see attached documents supporting my claim.
I believe that it is the responsibility of regulatory bodies like yours to ensure that lenders adhere to strict standards of accountability and transparency and that consumers are protected from such unfair practices. I respectfully request that you investigate this matter and take appropriate action to ensure that my lender complies with all regulations.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 10/27/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
Servicemember |
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To Whom It May Concern, I am writing to formally bring to your attention a matter of great concern and urgency regarding a COVID forbearance issue that has arisen with my mortgage lender, UWM ( United Wholesale Mortgage ). I understand that the Consumer Financial Protection Bureau plays a vital role in safeguarding the rights and interests of consumers, and I hope to receive assistance in resolving this matter.
I was granted a COVID forbearance, which was a lifeline for me during a challenging period, and it was in effect until XX/XX/2023. However, upon the conclusion of the forbearance, I received a statement from UWM that requested an unmanageable lump sum payment of {$40000.00}. This action appears to be in direct violation of the Consumer Financial Protection Bureau 's policy, which expressly prohibits requiring individuals who were on a COVID forbearance from making lump sum payments at the conclusion of the forbearance period.
I have reason to believe that UWM, along with other lenders, may not be adhering to the CFPB 's regulations, particularly when dealing with minority borrowers like myself. As a military veteran who was willing to make sacrifices for the safety and values of our nation, it is deeply disheartening to have my rights violated by a United States company. I believe that no borrower, regardless of their background, should be subjected to such unfair and unjust treatment.
I am seeking your assistance to rectify this issue promptly and ensure that UWM complies with the regulations set forth by the CFPB. I am willing to work with UWM to establish a repayment plan that aligns with my financial capacity, as per the guidelines and principles established by your organization.
I kindly request that the Consumer Financial Protection Bureau investigate this matter, hold UWM accountable for its actions, and ensure that my rights, along with those of other borrowers, are protected and upheld. Any guidance and intervention you can provide to address this situation would be greatly appreciated.
I look forward to a swift resolution of this matter and the restoration of my financial security. Please do not hesitate to reach out to me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or if you would like to discuss this matter further.
Thank you for your attention and understanding.
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| 09/07/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My complaint is about United Wholesale Mortgage and they way they are managing my payments and how after 4hrs of phone calls on XXXX for XXXXsec. XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX forXXXX sec, XXXX for XXXX secs for a total of 4 hours and 6 minutes wasted. All these calls were recorded by me and them. Still, I can't get an accurate amortization schedule. I wanted my amortization statement to reflect my monthly payment of {$1200.00} with an additional principal payment of {$450.00} monthly and NOT having my additional principal as a monthly payment but only as additional principal.
I've spoken to their reps each time and was transfered to their escalation dept. with no one being able to help my get an accurate amortization schedule. Then I demanded to speak with their superior, they told me they had no superior. I was told this 3 separate times on three separate calls. After I called again, I was connected to an EXECUTIVE in the escalation dept that said they had no superiors I could speak to. When I told the executive that fact they couldn't understand why they would send my demand upwards. I was sent 2 schedules and both were seriously flawed. Wrong monthly payments, wrong principal payments etc. I will attach these where you allow it in this complaint. Their website amortization schedule calculator is also seriously flawed. I was told they knew this already but haven't fixed it yet. My monthly payments are not being recorded accurately either. I pay extra additional principal payments each month. There site shows all my payments as addition principal instead of recording my monthly payment as a monthly payment and I have to call them every month to adjust the payments they recorded to reflect a monthly payment and the additional principal payments as additional principal payments that shows my payment activity is where you can see what I mean. I will include the screenshots of this site where allowed also. You will clearly see how many times they had to adjust my payment info to mirror what I was actually doing. The last entry on XXXX additional payment was a single payment of {$2900.00} yet was recorded as 2 separate payments of {$1700.00} and one for {$1200.00}. I complained about this and it has not been fixed. I find their incompetence unnerving to say the least.
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| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My complaint is against United Wholesale Mortgage. I contacted them in XX/XX/2023 to let them know that I was experiencing a pandemic-related financial hardship and requested a CARES Act forbearance. I was told that as my account was current as of that date, I would need to cancel my autopay and then wait until after XX/XX/XXXXo call back. I called back on XX/XX/2023, and was approved for a forbearance plan with an initial expiration date of XX/XX/23. A copy of this approval is attached to this complaint.
Since that time, I have received several notices regarding my " recently missed payments '' - these notices do not acknowledge the approved forbearance plan and instead advise on derogatory credit reporting, possible foreclosure, deed-in-lieu, and short sale. I called them on several occasions about these notices and am told they don't know why they keep being sent and each representative has confirmed I'm in an active forbearance during those calls. Copy of notice attached. Multiple notices have been received, one included due to page limits for uploading.
I've also received several calls from United Wholesale asking me if I intend to keep the property, advising me of the total currently past due, and asking if I can make a payment. When I mention the forbearance plan, they acknowledge it and then continue asking for payments and threatening foreclosure or negative credit reporting.
These calls are incredibly upsetting. The notices and calls all lead with the intent to instill fear in the consumer. These are not " calling for a friendly update on your financial situation '' calls. I took the responsible path and was proactive in contacting the company and making arrangements before any " debt collection '' activity was needed on their end. Why am I getting treated as though I have no forbearance in place?
My mortgage statement also states that I'm 75 days delinquent and may face foreclosure before another paragraph finally acknowledges the active forbearance. Copy provided with this complaint.
I understand that the payments during the forbearance will still be due and are not forgiven. I also understand the options available at the end of the initial forbearance. What I don't understand is why I'm being threatened with foreclosure and pressured into making payments that are currently suspended while under an active plan.
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| 11/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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To summarize my claim I will start out by stating the facts. I was excited to refinance my home from an FHA loan to a Conventional Loan and save on the PMI insurance. We qualified with a small margin but we qualified. One day before closing docs were to be printed, I informed my loan officer, XXXX that my son ran into an emergency with his car and purchased and financed a new vehicle. My son and I are both listed on the home loan. XXXX mentioned that we barely qualified but being we were closing soon we should be ok as long as they dont run your credit prior to signing the docs I thought that meant everything was good. XXXX had every opportunity to tell us not to sign but he didnt. Loan docs were printed and we signed all of them the next evening. XXXX also failed in advising that we were going to be signing a document stating we did not incur more debt Being that there are so many papers and its overwhelming ; this particularly important statement which I signed didnt register with me. I hold the loan officer, XXXX, as the professional, responsible for not acting in my best interest. He has full knowledge of what goes into these legal documents and failed as my agent. I was honest and upfront prior to signing. XXXX also knows what happens after closing. My loan was audited 6 months later. Basically the owner of the Brokerage decided to ignore my file after the initial contact of notifying me that I signed said paper. He never offered me a solution. Since then UWM my lender has informed me that the current loan has to be paid off.
I just finished refinancing at a higher interest rate. I incurred XXXX in closing costs and my payments went up {$1300.00}. I had to sell my car and take a loss of {$5000.00} in order to qualify for the re-fi.
Property Address : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX I recently found out that the loan officer listed below, does not have license and uses the Brokers number. This means he can not discuss certain things with the client.
XXXX XXXX XXXX XXXX XXXX, owner ( XXXX ) XXXX email XXXX XXXX # XXXX and XXXX # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX email XXXX One reason Im making this claim is so no one else goes through what I have gone through to try and save my home. We as the consumer lean on the professional to act with integrity dealing with someone's livelihood.
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| 06/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have this Mortgage Account opened with XXXX XXXX XXXX ( XXXX ) which is also known as United Shore Financial Services , LLC Account No. XXXX, they opened by Mortgage Account on XX/XX/XXXX. Based on all the documentation I submitted and house Value, they came up with the payment of {$2700.00}.
The distribution is in this manner - Principal {$580.00} Interest {$1900.00} Escrow Amount ( for Taxes & Insurance ) {$180.00} it comes out to be a total of {$2700.00} {$180.00} is the PMI ( private Mortgage Insurance ) which I pay monthly.
So when they approved the loan they already calculated my taxes and Insurance and accordingly how much my PMI should be.
Now three days ago XXXX sends me this letter which states that they have increased my payments from {$2700.00} to {$2800.00} because there are changes in taxes and insurance of my property ( please see attached ).
I called XXXX and spoke with the Supervisor and he said my Taxes and Insurance has changed and that is why they will increase my monthly escrow ( PMI ) payment from {$180.00} to XXXX ( XXXX has made an increase of {$45.00} ).
Well, I have my Home Insurance through XXXX and their insurance for the whole year is {$420.00} which is already paid.
I also called the county assessor office on XX/XX/XXXX and the assessor office told me that my house taxes haven't been prepared yet as I just bought the house 5 months ago and system hasn't registered my name yet, so they don't even know how much are my house taxes yet. So I do not understand on what basis XXXX is increasing my Escrow amount.
When I asked the XXXX supervisor about this, he sent me a PMI disclosure ( Please see attached ) which doesn't mention anything that PMI will be increased anytime and out of no reason, in fact it just states " PMI protects lenders and others against financial loss when borrowers default. Charges for PMI are added to your loan payments. '' So this is an extortion from the Lender. People in southern California can not afford to buy the house, those who can face big extortion from companies like XXXX.
They haven't learned the lesson after loosing a Lawsuit in XXXX over bad FHA mortgages and settling the case for {$48.00} XXXX.
They just increased my PMI by {$45.00} out of their whim and have no explanation to it.
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| 09/28/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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The Mortgage Company is United Wholesale Mortgage during refinancing for some reason my insurance company did not pay my insurance to this Mortgage company. The underwriter said the Notice to my insurance company did not so for 3 months it was not covered. They demanded that I pay XXXX for insurance with them 3 and half times what any other insurance would cost anywhere. I then talked with them and agree to pay XXXX of 3 months and then gave the proof of my new insurance is paid in full. They told me at that time if I paid their insurance they would remove their insurance off my bill they did not. In fact, that told me I will have to pay and increase payment from my payment of XXXX to XXXX and this would be thill there XXXX is paid off and it will force me to pay my insurance. Better known as blackmail. I have been paying my mortgage every month and have not missed a payment only to find out they are only taking the money for principal and not paying the interest on the loan. so it causes me to have a partial payment and they are trying to charge me Late charges as well of {$39.00} but I was never late at all. I have never missed a payment on anything in years no less than 25 years Taxes are paid out of pocket and on time there is no reason for them to take any Escrow on this loan it is a VA Fix loan I am a 100 % XXXX vet on a fixed income and they are just ripping me off. I must be a good payer I have a credit score of XXXX. No late payment everything is on Autopay or paid in full at the time of payment. I have to remove UWM from auto Pay because I fear they remove the money they are illegally trying to get. The XXXX dollars they are trying to take would be a problem for me with the economy being as it is. that money paid for the Gas I need to go back and forth to the XXXX 3 times a week. They are trying to force me to pay money they should not get I need your help right now they are trying to make me pay an additional {$2000.00}. on top of the {$990.00} or {$72.00} extra months this robbery and wrong. If I can't get help from you I will have to go to court for so remedies which to lawyer already recommended I do because they are in violation of the laws. I hope you can help I can't afford to go to court but if you can't help me I have to.
Thank You
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| 10/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My issue centers around poor customer service, inaccurate escrow information ( advisement of a refund and withdrawal of that with no notification ) and lack of response to multiple service and escrow complaints. I knew I was going to have a wide fluctuation on property taxes ( due to building a new house on vacant land ), and contacted United Wholesale Mortgage my mortgage provider. I left multiple phone calls to an individuals voicemail in the Escrow Department and after XXXX months, never got a call. I would also call Customer Service and they said they would leave a message for someone to call me, but once again, no one would ever call. I was able to speak to a few CS reps, one of which helped to calculate my new escrow payment and they advised me of my refund. Three weeks went by and no refund. I called in again and found out they calculated it wrong because they were not an escrow representative and was told I was getting appx 50 % of what they told me as a refund. When I asked why I was n't notified in writing, they had no answer. I asked to speak to a Manager and he advised that he would pull the calls and call me back. I left him several messages over several weeks and never received a call from the Manager with an explanation. I also never received a revised escrow statement until I had to call in and request XXXX. This should have been provided since they recalculated my payment and my refund. I have since submitted a Complaint to their Complaint Department and they have had it for XXXX weeks with no response. While I have n't been financially violated, I am getting the worst service ever and have never been able to speak to a live Escrow Agent at this company. They claim they only let you speak to their front line Customer Service Reps and then the escrow agents do the work behind the scenes. This might be fine until the CS Rep calculates the wrong refund amount, they then Escrow Dept changes it, they hold back the check they were supposed to send you and never advise you that you are not getting the first check and the amount of your refund changed. I find this to be completely unacceptable and would appreciate your assistance in helping me get action and a response to this matter. I have never seen a firm NOT respond to a complaint.
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| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage is using a Financial Scheme/Mechanism to fraudulently OVERCHARGE my Escrow Account.
United Wholesale Mortgage is using MISSAPLICATION REVERSAL in order to ARTIFICIALLY create the Escrow Advance of : {$3000.00}.
My loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX ( due to Covid 19 ).
On XX/XX/XXXX went in effect the Loan Modification.
United Wholesale Mortgage negligently or intentionally gamed/manipulated the payment system and falsely applied payments for the period my loan was in forbearance. ( without me making payments for that period since was in forbearance ). - please see evidence 1 & 2.
More exactly, they applied {$1700.00} to my Escrow Account ( due date XX/XX/XXXX when my loan was in forbearance ) and {$1300.00} out of {$2700.00}. XXXX ( due date XX/XX/XXXX when my loan was in forbearance ) also to Escrow Account. - please see evidence 1 & 2 Here comes the " catch '' : On XX/XX/XXXX they have " performed '' a MISSAPLICATION REVERSAL ( " reversing the funds " ) and ARTIFICIALLY CREATED an ESCROW ADVANCE : {$1700.00} + XXXX = {$3000.00}. - please see evidence 3, 4 & 5.
A fraudulently created ESCROW ADVANCE OF {$3000.00} was charged to my account. - please see evidence 4 United Wholesale Mortgage was invited many times to explain in writing the reason for ESCROW ADVANCE, to justify it, to provide proof of payment ( receipts, bank statements, wire transfers etc. ). - please see evidence 7 Moreover, they were invited to REFUND the money if they can not justify it and or/support it by requested evidences. - please see evidence 7 They NEVER offer a refund or justification or any supporting documents that will justify the Escrow Advance. - please see evidence 8 United Wholesale Mortgage declined/avoided to offer any explanation in writing as well.
Is this fraud? Is my Escrow Account under intense assault by a mortgage company that is truly determined to defraud me?
Why United Wholesale Mortgage is so speechless about it and no real investigation was ever made regarding this overcharges?
The only thing I asked for was to stop abusing me, stop injuring me and refund what was abusively and unjustified was taken away from my account by someone in charged with my loan administration.
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| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a very long story but I'm going to do my best to stick to the pertintent details. All of this started with discrepancy with my property taxes. I went to the XXXX County Board of Assessors Office and reached a reasonable agreement to settle the property taxes. However, there was still an issue with the amount that they needed to correct. I notified my mortgage company to let them know before any problems were to arise. My mortgage company UWM ( United Wholesale Mortgage ) said I had nothing to worry about and thanked me for letting them know. All of this began just before the COVID-19 Pandemic Lockdown. I wrote a letter to UWM explaining the situation, as well as attaching supporting documents. I never heard back. I frequently called UWM to monitor the situation and asked them more than once if I should just pay the inflated amount and sort it out later. However, they said that I had to wait. I finally heard back in early XX/XX/2020, but it wasn't pleasant news. I received an email from UWM, stating that they paid my property taxes including an overage of {$1700.00} and that they were creating an escrow account, thus increasing my mortgage over {$1000.00} per month. To say that I was furious would be an understatement. To make matters worse I had inquired about the COVID-19 forbearance program but told the representive I wasn't interested if it would hurt my payment history and prevent me from having PMI removed from my mortgage. She assured me multiple times that it wouldn't. After looking into it, I decided that it wasn't worth it because they wanted all the money at the end of the 90 days, which is ridiculous. However, once again UWM found a way to extort more money out of me and told me I couldn't get out of forbearance. I paid them the money anyway but the held the funds in a " suspense account '' and continued to keep me in the forbearance plan even though I've been paying them on time every month. I am not behind on this mortgage and never was. I have paid this home down to 79 % which makes me eligible to have PMI removed but UWM keeps saying that XXXX XXXX won't let them drop the PMI, which isn't true. I truly believe UWM set all of this up just so they would have a reason to deny me the relief I have earned.
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| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, we received our mortgage statement for XX/XX/XXXX and noticed that our mortgage payment increased from {$4000.00} to {$4300.00}. When we inquiered about the increase we were told that our flood insurance had lapsed and that there was a force-placed insurance policy.
We secured a one-year policy and submitted the information to United Wholesale Mortgage XXXX as directed.
Seeing that our mortgage payment was not adjusted back to the original amount we called United Wholesale Mortgage on XX/XX/XXXX ( on a recorded line where the representative was rather rude ) it was explained that the policy had lapsed in XX/XX/XXXX. We closed on our mortgage on XX/XX/XXXX.
On that phone conversation, we expressed that we were never notified of any issues with our insurance, ever. We requested that the representative send us copies of any notices or letters that had been send to us, and we also requested full information on the policy that was force-placed : who the company was, when the policy went into effect, etc.
Today is XX/XX/XXXX and we have yet to receive any information.
We dug through our online account dashboard, through all the notices and statements and information, and found nothing regarding and lapsed policies or information on a force-policy.
We have since been very patient, giving this company enough information and ample time to review and look into this, even suggesting that the matter be escalated, but we have gotten no responses relevant to our inquiries.
We have had a couple of phone conversations with United Wholesale Mortgage on what they keep reminding us are on a recorded line, where we request that proof of notices be sent to us, and have seen nothing to date.
We are filing this complaint due to of the policy that was force placed on our account, because we were never notified of a lapse or any issues with our account and we are disputing the following disbursements that were made from our Escrow account : XX/XX/XXXX : - {$1200.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} I will attached the written request communications as of XX/XX/XXXX, but again, there are phone conversations that happened previous to these.
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| 01/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1. I fought the township and village tax amount with the township starting in XXXX of XXXX ... immediately upon receiving my tax assessment. I won and they adjusted the amounts. This process took a few months due to COVID and I had to go to the state after the township initially did not lower the tax amount by enough.
2. Due to the timing of taxes being paid the above settlement being completed, I was sent indicating I was short on my escrow by a substantial amount.
3. Since XX/XX/XXXX I have had approximately 10 communications ( started with email and switched to calling since I did not receive responses to emails ) with United Shore Mortgage regarding my escrow account since I needed to know the correct amount to pay and the village had indicated they never received payment of my taxes and therefore was late. During these communications I was promised call back from supervisors which I never received ( more than once ), promises to resolve the problem, etc. I only finally made progress as to the issue when I demanded a conference call with the mortgage company, XXXX XXXX tax dept, and myself. During this time they increase my monthly payment since they said I had a shortage on my escrow.
4. The last 2 communications were as follows. I spoke with XXXX and she indicated she would request an reanalysis of my escrow so a final amount could be determined if I was still short and what my monthly payment would be. She said when she calculated it, my monthly amount should go down but was not the official analysis and since she requested on XX/XX/XXXX, it would be done not for my XX/XX/XXXX payment but it would be for my XX/XX/XXXX payment. I received my XXXX bill and it has not changed and when I went on line the reanalysis of my escrow was not done in XXXX nor XXXX yet. I called United Shore Mortgage back on XX/XX/XXXX and once again was given the run around ... they would request to see what is going on. I told him I wanted a call back tomorrow or I'm call my lawyer and XXXX XXXX XXXX I also told him I would be going to submitting a complaint.
5. I will not be attaching documents as the mortgage company should have all of these and at this point in the process they have what they need to finish the job.
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| 09/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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Web |
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I have been working with United Wholesale Mortgage on my loan # XXXX since XX/XX/2023 and I received the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 by electronic correspondence. Since I intend to keep my home and have repeated that to the Loss Mitigation Department several times, I performed my due diligence and wrote an email to their XXXX on XX/XX/2023 that I accept the XXXX XXXX XXXX. Secondly, I sent a secure message to their UWM secure message center that I accept the plan on XX/XX/2023 as well. On XX/XX/2023, I called to make my XXXXXXXX XXXX XXXX payment and the customer service rep informed me that he can only make the payment effective XX/XX/2023 and not my requested date of XX/XX/2023. Thirdly, I informed this customer service rep that the payment on the phone was for the XXXX XXXX XXXX payment which he observed was for {$4300.00} and I have electronic correspondence that the payment was agent assisted for that amount which I have uploaded here.
On XX/XX/2023, I observed that my credit report was negatively affected as delinquent which I believe is against the federal regulations for a XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 at XXXX CST, I called UWM to ask for information on why this occurred and inform them of the mistake. I was transferred to a loss mitigation specialist who informed that Loss Mitigation did not acknowledge that I accepted the XXXX XXXX XXXX even though I have XXXX sets of proof that I did accept the plan. The loss mitigation specialist did acknowledge the mortgage servicer error and she observed the proof of my acceptance letter sent on XX/XX/2023 and received by UWM on XX/XX/2023. The loss mitigation XXXX informed me that she needed to create XXXX separate requests for the following : 1 ) Acknowledge that the XXXX XXXX XXXX was accepted ; 2 ) Remove the negative credit reporting due to error ; 3 ) Remove the late charge assessment on XX/XX/2023 ; 4 ) Fix the mortgage payment made on XX/XX/2023 and apply it to the suspense account for further review.
This CFPB complaint is to record and document the mortgage servicer error and to ensure this is resolved appropriately in an expedited manner because my credit is wrongly being affected due to this lender error.
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| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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We will be experiencing financial loss due to the negligent actions of UWM ( our current mortgage lender ) due to their failure in servicing our current mortgage loan properly. For the last month, we have been requesting UWM provide us documented proof of our payment history as well as an active mortgage to show as proof to a new mortgage lender we are in good standing. They have failed to provide these documents despite nearly half a dozen requests to do so over the course of the previous 45 days.
We have deposited earnest money with a seller for a new property purchase, and paid for property inspections and appraisals, but due to UWM 's failure to provide us with any documented proof of payment history or account status, this has affected our ability to seek new credit.
This issue arose as a result of my wife and I electing to use SCRA protections for military members. This offers a 6 month mortgage forbearance without accruing interest. in the process of leaving SCRA protections our mortgage lender apparantly messed up our account very bad, increasing out monthly obligations by {$500.00} and blocking us from making payments. Currently, these two errors have been resolved but they are failing to provide us with proof of our payment history and account status despite nearly a dozen requests over the previous month.
We have contacted a military attorney who submitted a formal demand letter to UWM around XX/XX/XXXX notifying them that discriminating against service members who have filed for SCRA protections is illegal and they continued to fail to provide the documents we have been requesting.
One of our payment history documents provided was an empty document. There was a page that explained how the payment document was structured, and then the next page said " contact customer service if you have questions '' ... no payment history anywhere in the document.
Our documents we have been uploading to their portal have regularly been getting deleted. I can not access a single document I've uploaded to their document portal over the entire course of our loan.
Additionally, their " chat with us '' service reps have a very frequent habit of ending chat as soon as they actually look at our account.
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| 02/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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There are four ( XXXX ) homeowners insurance policies attached to my property, which has TWO houses on the parcel : ( XXXX ) homeowner 's policy for the main/front house ( XXXX ) earthquake policy for the main/front house XXXX XXXX XXXX homeowner 's policy to the guest house ( XXXX ) earthquake policy for the guest house.
All of these insurance policies are with XXXX XXXX, which also pays the California XXXX XXXX ( XXXX ) for the earthquake policies.
In the 28 years I've owned my home, every loan servicer has paid all 4 policies on time, every time, when they are due in XXXX.
When I refinanced my mortgage with United Wholesale Mortgage ( UWM ) in XX/XX/2021, UWM was given all 4 policies by my mortgage broker and my XXXX XXXX agent. UWM only impounded the homeowner 's policy for the main house. UWM has a portal in which to send messages and to upload the additional policies, which I need to have impounded so that I have stability in my monthly payments. Their portal wouldn't allow me to upload the documents. I called their Customer Service in XXXX AND XXXX. I was given a fax number and told to have my insurance agent fax the policies to UWM. My XXXX XXXX agent 's office has done this at least 3 times now. On the 2nd call I made to UWM Customer Service, I was told UWM doesn't impound earthquake policies because they're not home insurance. Yes they are ; these policies pay me if there is damage to my property as a result of an earthquake event.
With great effort, I finally got UWM to add the homeowner 's policy for the guest house with the assistance of my mortgage broker ; however, they haven't adjusted my monthly mortgage yet. But UWM refuses to add my earthquake policies because they insist these are not part of homeowners ' insurance.
Again, every single loan servicer has always impounded and paid these 4 insurance policies. I really need help from CFPB because UWM isn't being cooperative and providing the service I deserve and have always received from previous loan servicers. I'm a senior citizen too, so this is even more distressful to me. I can't afford to pay {$3000.00} for the earthquake policies in XXXX that haven't been impounded because the impounding helps me with monthly budgeting.
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| 02/22/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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United Wholesale Mortgage and XXXX XXXX XXXX refinanced our mortgage in XXXX of XXXX. On XX/XX/XXXX I went online to pay my mortgage as I have done every month since the refinance. I noticed that my account stated that I must pay {$10000.00} by XX/XX/XXXX or else my mortgage payment would double for the next XXXX months.
After contacting UWM I found that my escrow account had been in arrears and this was the reason for the need to pay {$10000.00}, none of which would go toward my principle. It happened that we had received an insurance payout from the loss of my mother no more than XXXX days prior or I would not have been able to make any payment. I was not able to pay the entire amount so I paid {$5000.00} and said that I would most likely be able to pay the rest by XXXX. At that time I was told that even after paying the XXXX, my monthly mortgage payment was increasing from {$1300.00} per month to a whopping {$1800.00} for the next XXXX months and that a reassessment would be done in XXXX of XXXX. After making this payment my account on the website was showing that my next monthly payment was not due until XXXX of XXXX.
On XX/XX/XXXX I called UWM again to pay the remaining {$5000.00}. At that time I was told that I actually owed {$5700.00}, and that I would need to make a payment of {$1800.00} in booth XXXX and XXXX, and every month thereafter.
While my property taxes did go up, they only went up by {$2000.00}. Bottom line is that the title company grossly underestimated my escrow payment, without the tax increase. And the bigger problem is that UWM never notified me at any time until my phone call on XX/XX/XXXX that my escrow account was low or empty. I was told that I had opted for digital communication and that was the reason. Last time I checked email was digital communication. I have received at least XXXX emails from them since, but none since XX/XX/XXXX when I set up my online account and received a confirmation email.
This error is unconscionable and would cause a majority of homeowners into foreclosure. There needs to be some repercussion for the title company 's careless calculation of escrow and UWM 's negligence through failure to notify me of the escrow deficit.
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| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is second Complaint in reference to my First Complaint # XXXX, which was close based on UWM ( United Wholesale Mortgage ) response.
The first complaint against UWM ( United Wholesale Mortgage ) was file on XX/XX/XXXX & then Customer ( myself ) received the Final response from the UWM on XX/XX/XXXX.
Here is the Response from UWM on XX/XX/XXXX.
Our review has found that UWM initially processed the additional principal payments you are making based on the standard payment hierarchy for your loan. Our Account Services Team then made the appropriate reversals to ensure these payments are being applied as you intended. As a result, UWM consider this matter resolved.
It clearly indicating that UWM know this issue & Instead of Fixing the issue they are try to explaining the cause. Since than I did 4 times Additional Payments ( Attached copy of Print Out ), but still UWM doing the same thing again & again. I have to go back n forth all the time to verify my account & calculate all my transaction to verify UWM charge properly or not.
Additional Payments were submitted on XX/XX/XXXX ( {$3000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$5000.00} ). I will try to pay another additional payment by this month ( But not sure yet ). Still the additional payment amount goes directly as Monthly payment first then UWM reverse monthly payment & then apply properly as additional payment. So 1 line transaction become 5-lines of transaction.
Like in XX/XX/XXXX to XX/XX/XXXX, If I did not pay attention then there was a chance where I was going to be victim of this unlawful activity. Like in my first compliant # XXXX I explained, in XX/XX/XXXX to XX/XX/XXXX all additional payments were completely mixed up & had wrong interest charges on account.
After I spent too much time to going back n forth all the time to verify my all transaction, raise this issue by calling, secured message to UWM & Complaints to CFPB. Now I am planning to contact legal department to take action against UWM & now this time I will ask for compensation for wasting my time as well giving me hardship for more than 1 year.
Attached last 24 Months of statement.
Thank you, XXXX
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| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error.
We have a mortgage loan with United Wholesale Mortgage ( UWM ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to UWM ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because UWM cancelled our auto-payment when UWM shut down the old website and did not set the auto-payment back up when they launched their new website.
Also, UWM did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled.
We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by UWM. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since.
Because of the lack of clear communication from UWM, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
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| 11/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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I am writing to address a recurring issue I have been facing with late fees on my mortgage payments. This is not the first time I have encountered this problem with UWM, and I am increasingly concerned about the impact it may have on my credit score.
As of today, XX/XX/XXXX, I have received a bill indicating that I am late with my XXXX payment and that I am required to pay a late fee of {$110.00}. I have set up a monthly recurring payment on the XXXX of each month, well in advance of the due date on the XXXX of the following month. This setup ensures a three-day gap for processing, and I have confirmed with my XXXX XXXX bank that the funds are available for the transaction.
Upon checking with XXXX XXXX, I have verified that the payment is processed through e-payment, and any delay should still ensure receipt within the stipulated three-day timeframe. However, UWM claims they did not receive the payment until XXXX weeks later than the due date. This discrepancy is perplexing, as I have a longstanding relationship with XXXX XXXX, and my records demonstrate timely monthly payments.
I have encountered this payment processing issue with UWM on multiple occasions, and it is both frustrating and unacceptable. I understand that my late fee for this instance will be waived, as per my recent conversation with UWM customer service representative. However, I am concerned about the lack of documentation or confirmation provided regarding this resolution.
I shouldn't be charged again for this late fee, and I am seeking written confirmation of the late fee waiver for my records. This is crucial to avoid any negative impact on my credit score and to prevent any potential legal action resulting from repeated late payment claims. UWM refused to provide me late fee wave confirmation document.
I value my relationship with XXXX XXXX and have a history of making timely payments. It is disheartening to encounter continuous issues with UWM 's payment processing, leading to unwarranted late fees.
This matter and request that you address and rectify the underlying payment processing issues to ensure a smoother and more reliable experience for all UWM customers.
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| 06/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed XX/XX/2021 on a condo in XXXX XXXX and making automatic payments on time.
United Wholesale Mortgage who now services my new mortgage purchased by XXXX XXXX apparently sent me a letter dated XX/XX/XXXX received XX/XX/XXXX, that was fraudulent from the start, where it says Delinquent N/E Loan Notice at top, to the middle where is falsely states the entire XXXX tax bill of {$8100.00} is delinquent, when its paid in full, to finish, where it says this communication is from a debt collector to collect a debt ; as they are not a debt collector do they work for the XXXX county property tax collections even if there was a legitimate debt.
e unpaid taxes for this year, with regulations in home buying, as you are well aware.
A quick check of my parcel no which they sent on the letter, on the XXXX County Tax assessor site, shows the taxes are of course paid in full until my next bill arrives in XXXX. Their company clearly aware of this.
They state " as of XX/XX/2021 our records indicate that real estate taxes remain unpaid on your property is false and easily disproven with quick check of parcel number on XXXX County Treasurer site open to the public. They then request a proof of payment by me that cant be sent, as they know because I did not pay them, the seller did earlier this year. They are obviously trying to have my funnel money into their company by forcing me to pay into an escrow account if I don't prove this payment. This is outright extortion based on fraudulent information.
I called their number to verify this was not an outright fraud by someone posing as affiliated with the company and their associate confirmed they sent this letter, and audaciously stated falsely XXXX County had sent a letter to them stating unpaid taxes. This was not only rebuffed by the XXXX office but nonsensical as they do not send notices to lenders.
I will pay my property taxes, bi-annually myself on time as is my right. This company 's strong arm tactics to bring in income are a disgrace and everyone who approves these tactics should be punished if you can investigate. I work finance and trust in our system is vital. Thank you very much XXXX XXXX XXXX
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| 10/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have two mortgages with United Wholesale Mortgage. They applied two payment to one house in error. The incorrect account number was on the check but the voucher had the right account and the pay stub for the right account was included in the envelope.
I send my payment for XX/XX/XXXX on XX/XX/2020 for both my XXXX, XXXX and my XXXX house in two separate envelopes, each with its own stub.
XXXX - I received my statement with a late fee. ( I am always early ) so I called and found out they credited a {$2000.00} ( {$1400.00} payment and add'l {$580.00} to principal ) payment for my house in XXXX, XXXX to my house in XXXX. They agreed it was an error and credited me the late fee and said they reapplied they payment plus additional principal to the XXXX, XXXX house.
XXXX - I received my invoice .. again a late fee. I called again ... another 3 hour call. They did apply the {$2000.00} to XXXX but they applied ALL {$2000.00} to principal only. therefore making my payment past due again. They credited me again and said they fixed the error.
I then set up Auto pay to avoid any future error due to come out of my account on XX/XX/2020.
XXXX - I viewed my bank account on XX/XX/XXXX and XXXX - they had not taken out my money. I called and they said they could not take it out because my account in XXXX was still showing past due. I was told I needed to send in copies of the cashed checks via email to XXXX which I did. Then XXXX XXXX number XXXX said I needed to send in another payment because I was showing late ( even though it was UWM 's fault ) in order for them to auto deduct my payment for XXXX.
I did - I asked for a call from management that never came. I was told within 24 hours. I called Saturday and was given the name of XXXX XXXX ( XXXX ) would call me by XXXX. NO call. I called there at XXXX XXXX the call dropped and when I called back they were closed.
In addition - I received another invoice with another late fee.
I am hoping to get help on Monday XXXX XXXX. To date I have exceeded 15 hours on the phone trying to get them to correct the error to no avail. Can you help me get through to them?
XXXX XXXX XXXX
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| 06/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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I am writing to express my deep dissatisfaction with the handling of my mortgage account by United Wholesale Mortgage. Despite reaching the required equity threshold of 23 % in my home, I have encountered significant obstacles in having my Private Mortgage Insurance ( PMI ) removed, which is both frustrating and unfair.
I have been a loyal customer of United Wholesale Mortgage since 2019 and have always made timely payments towards my mortgage. It is disheartening to experience such a lack of responsiveness and assistance when attempting to address an issue that should have been resolved promptly.
According to my records, I currently hold 23 % equity in my home, exceeding the required threshold to eliminate the PMI. However, I have been informed by your representatives that I need to obtain an appraisal to proceed with the removal process. This requirement is perplexing and contradictory to the terms and conditions of my mortgage agreement.
As a responsible homeowner, I have diligently monitored the market conditions and observed the steady rise in property values in my area. It is evident that the value of my home has appreciated significantly since the time of the loan origination, further strengthening my case for PMI removal. Requiring an appraisal under these circumstances is not only an unnecessary burden but also an unjustifiable cost that I should not be obligated to bear.
I kindly request that United Wholesale Mortgage promptly reviews my case and takes appropriate action to remove the PMI from my mortgage.
My corncerns were not addressed in a timely and satisfactory manner, and I had no choice but to explore alternative options, such as filing a complaint with the appropriate regulatory authorities or seeking legal counsel to protect my rights as a homeowner.
I expect a swift and satisfactory resolution to this matter.
Thank you for your immediate attention to this matter. I trust that United Wholesale Mortgage will rectify this situation promptly and restore my confidence in your institution 's commitment to providing excellent customer service.
Yours sincerely, XXXX XXXX
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| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received a letter from UWM saying we did NOT make our XX/XX/XXXX payment. I checked my account and we paid {$2100.00} on XX/XX/XXXX and then another {$100.00} paid on XX/XX/XXXX to cover the payment. I have payments automatically sent thru our account, our XXXX changed which I covered with the additional {$100.00} on XX/XX/XXXX. Please note my check was cashed on XX/XX/XXXX by UWM XXXX weeks after it was mailed, but still before it was considered late on XX/XX/XXXX.
Then on XX/XX/XXXX another {$2100.00} was mailed and cashed by UWM on XX/XX/XXXX. I did NOT send in the additional money this time because I started getting these DELINQUENT NOTICES. Future payments will be the correct amount, Ive just had XXXX family deaths this year and Im the only child that is helping my parents and have been in Arizona quite a bit this year helping.
So on Friday XX/XX/XXXX, I called the XXXX number listed in the DELINQUENT NOTICE, it was a collection company. When I explained I had proof in front of me that my payments were made and cashed by UWM, I was transferred to UWM. The first lady looked up my account, she stated that UWM had refunded and mailed me a check on XX/XX/XXXX because the payments were not EXACTLY right. As you will see from my banking account for this year, this has never been a problem before with additional payments being sent in. I HAVE NOT RECEIVED ANY checks, and UWM has {$4300.00} of my money right now in the payments I made. I asked to speak to a supervisor because I was getting frustrated, I was transferred 5 times, and not XXXX was a supervisor. Then I was told they were transferring me back to collections and I should make payment arrangements. At that point I just hung up because I was getting nowhere. Proof of payments and copy of bank report attached.
On XX/XX/XXXX Mark and I decided since our house is being threatened, I scrounged up the money and called in MORE money {$4400.00} when I already paid you {$4300.00} for those 2 months. This seems like fraud on so many levels!
I want the late fees removed, I want our credit fixed! And PLEASE sell our loan!!
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| 01/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX we requested to be set up on bi-weekly payments and auto draft our mortgage payment. After multiple calls between XXXX and XX/XX/XXXX for the mortgage company to have me fill out the right forms as they kept sending me the wrong forms, we finally received confirmation that our account was set up for bi-weekly payments ( attached ). In XXXX, when a bi-weekly payment was not drafted out of my account we called the bank again and they said that we needed to make a payment before the first of the month so it was paid in full and that it would start drafting in XXXX. We followed these instructions, it did not draft again in XXXX. In XXXX, we called and were told in order to have this draft bi-weekly payments we needed to pay 2 months of payments and if we did this, it would start drafting bi-weekly starting in XX/XX/XXXX. We made a 2 month payment on XX/XX/XXXX. XX/XX/XXXX and still no bi-weekly draft. After three calls to the mortgage company between XX/XX/XXXX-XX/XX/XXXX we have still not been able to get an answer as to why this is not completed, we have bee told it is a drafting issue with the bank, also been told we need to make another 2 month payment again. We have requested to speak with a supervisor on 2 occasions and have been told they are unable to transfer us and will leave a message. We have still yet to receive a call back from a supervisor to have our issue resolved.
This has not only been a poor customer service experience but we are now approaching 9 months of paying additional interest on our mortgage that would have otherwise not been incurred had we been on bi-weekly drafts. As you can see from the letter they mailed us, we were clearly told that we would be signed up for the program and that payment would be automatically drafted, neither one of which has taken place. We can only assume that this over complex process and conscious decision not to draft the payments as promised is a strategy to collect additional interest from us.
Our request is to resolve the auto/bi-weekly draft issue and receive a credit for overpayment on interest effective XX/XX/XXXX.
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| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My husband XXXX XXXX and myself XXXX XXXX have been defrauded by United Shore Financial Services , LLC. They refuse to send copies of monies in escrow for insurance payments and taxes and when they do it 's half a year later. They block my login attempts and refuse to answer calls from my numbers unless I use another phone number and when they find out who I am they transfer the call to a voicemail that says it 's full. I have all conversations recorded. Were owed over XXXX dollars just for insurance payments, which my community has a blanket policy that covers inside and out of our property. It 's been year since this money was to be returned and has not. UWM stopped sending monthly statements and will not reply on this issue. We 're also owed for over payment in taxes through monthly escrow built into monthly payments. I made 2 payments on XX/XX/XXXX, 2 payments on XX/XX/XXXX in XX/XX/XXXX. They have charged me over a XXXX dollars in fees with these scams. This ca n't be legal and I have all phone conversations. My loan was also sold when it was never to be sold and this was all clear from the start. I have ( XXXX ) and need monthly statements because of the XXXX I have and UWM were provided this information my husband XXXX XXXX has MPOA, POA and takes care of the mortgage. UWM say 's when I call they 're collecting a debt but what debt. If when I made the 4 payments I was behind why was no correspondences sent? I also would like all future statements sent certified so I can be assured I get them. I 've received nothing saying that I 'm behind in anyway and if I was behind 4 payment why were they not moving towards foreclosure? I was also charged a fee on the last statement I did receive for an inspection, which never happened. I need help with this matter and strongly believe Federal and State laws have been broken and need help desperately. It 's inhumane to be treated this way by anyone let alone an individual with XXXX. I ca n't believe that any of this could be legal in the United States. Make no mistake I have tried to resolve this issue myself before filing with the ( CFPB ).
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| 11/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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As part of my Mortgage Agreement, United Wholesale Mortgage is responsible to make property tax payment to my township. However, they have failed to do so which has put my property under tax sale by the township. Below are the sequence of events that have taken place : XX/XX/2020 : I received statement from township stating that partial payment of property tax is due by XXXX XXXX 2020.
XX/XX/2020 : Since I have an escrow account with United Wholesale Mortgage, I emailed their customer service and tax departments about same with township tax statement attached. Their customer service acknowledged the email by giving a reference number ( Incident : XXXX ) and mentioned that they have forwarded to their tax department.
Subsequently, I called customer service and I was told since there is a grace period of 10 days, tax department will be carry out payment by XXXX XXXX 2020.
XX/XX/2020 : No payment was made so I called customer service daily starting XXXX XXXX 2020. Since no action was taken and only promises were made, I started sending messages to customer service from XXXX XXXX 2020. Since even the grace period given by township was expiring on XXXX XXXX 2020, I called them on XX/XX/2020 and they mentioned that their tax department has taken care of payment on XX/XX/XXXX I personally visited township tax department on XXXX XXXX 2020. They mentioned no payment has been received. Again, I requested United Wholesale Mortgage to send me the proof of payment and mode of payment so that I can take up the matter with township. Though my escrow account is debited on XX/XX/XXXX for the amount, till today XX/XX/2020 XXXX, township has not received payment and have put property on tax sale as well as started charging interest starting from XXXX XXXX 2020.
I am attaching following : 1. My first message on XX/XX/2020 to United WholeSale Mortgage along with their acknowledgement, asking them to carry out the remainder property tax due on XXXX XXXX 2020.
2. My township 's snapshot of the proof of payment not received as of XXXX XXXX 2020, with a title 'This Property is in Tax Sale '
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| 05/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I just learned from my healthcare employer that I will be furloughed. Same day, I called my service provider, United Wholesale Mortgage, to learn what my options would be should i need to request a forbearance. My loan if backed my XXXX XXXX. UWM told me that XXXX XXXX offers no provision under The Cares Act to tack on any payment missed while in forbearance due to the pandemic ( UWM operator # XXXX ). They said there were no guidelines that allowed them to do that. I then asked for the guidelines. The operator could not provide any information and had nothing to offer clarity, except that what they were told was that tacking forbearance payments onto the end of the loan was not an option. But I looked at the provisions allowed by XXXX XXXX and a tack-on to end of loan is allowable. I explained that to the operator to no avail. The operator then told me that if I elected forbearance, all would be due at end, that I would be delinquent if not paid upfront, and an option was a payment plan ( up to 6 months ) that would run parallel to mortgage payments once I was able to resume. Another option, she said was to request a loan modification and then she told me that the interest rate could be higher, terms longer -- up to 35 years.. This last bit sounded like a huge amount of extra money for the service provider based on a limited # of missed payments. I would like my mortgage servicer to clearly outline the options for those requesting forbearance due to coronavirus layoffs/furloughs, as I believe the XXXX XXXX option is either not known to them, or they are willfully disregarding it. Either way, the options provided by the service provider will cause people to lose their homes with no way to make-up huge lump sump payment. This was not the intent of The Cares Act. Please help them understand the options. I work for XXXX XXXX XXXX in XXXX, WA. We are considered a hot spot and the epicenter of the breakout in Washington state. I am shocked to have to face a furlough but more terrified to think I could go delinquent on my mortgage ( only 8 months into it!! ) and lose my house.
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| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I refinanced my home with XXXX XXXX on XX/XX/XXXX who told me at closing that they did not set up an escrow account and all I had to do was contact United Wholesale Mortgage after closing and have them set up the escrow account. On XX/XX/XXXX, I called UWM to set up the account, was told to email over several documents, which I sent all of them. They said it would take a couple weeks. I contacted UWM again when I did not receive anything. I was then told to upload them in their message center. I couldn't do this. I called again and was told no, I had to send them US mail. On another call, I was told they had my documents but no one had attached them to my account. Another call, I was told the same and this person assured me he attached them. Now I was given a work order date that it had to be completed by XX/XX/XXXX. More calls and online chats for over a week and nothing was being worked on it. I called again XX/XX/XXXX and was now told they were waiting for a Solid Waste bill. This was the first time I had heard of this and I'm not sure why they would need a Solid Waste Bill to pay taxes and insurance? I explained to him that I do not pay any solid waste. The HOA pays it all. He notated the account and told me to call back today ( XX/XX/XXXX ) and see if it was ok 'd. Today I receive another letter in the mail asking for the same original documents they received in XXXX. ( This has happened several times. ) I called back and was hung up on, then tried chat and was disconnected. I just spoke to another rep who said everything is still pending. I asked to speak with a supervisor for the 4th time and she said they will call in 48 hours. I have asked 3 times previously for a supervisor .... 2x no return call ... 1x they called and left a message with the only call back number being to call customer service. No return call. I just had to pay my real estate taxes myself as this has been tied up for the past 2-1/2 months. There is no interest on their part of setting up an escrow account. Customer service is horrible and no one seems to know what they are talking about.
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| 03/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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loan # XXXX Serviced by XXXX XXXX.
I purchased a house on XX/XX/XXXX, closed with XXXX XXXX and mortgage was obtained via broker XXXX XXXX XXXX company. Lender- United Wholesale Mortgage. Prop taxes due XX/XX/XXXX supposed to be paid with funds a seller provided at closing. Title company held funds because the tax bill was still on old owner name, by the time the tax bill was switched on my name, the funds were lost somewhere between the XXXX XXXX, XXXX XXXX XXXX and UWM. My mortgage is escrowed, so all transactions supposed to be handled by lender/servicer. The servicer for my mortgage is XXXX XXXX. When I received my tax bill with interest and penalties ( iao XXXX ) in XXXX, because it was never paid by lender/servicer/title company, I reached out to XXXX advising them on this issue. I was told to send them tax bill for processing. They paid the tax bill along with interest and penalties iao XXXX from my escrow on XX/XX/XXXX. However, this is invalid transaction because I should not be responsible for taxes because old home owner provided funds at closing to pay those taxes and someone has those money. When I called to UWM I was told that I should not be responsible for that tax bill or interest and penalties- it will be paid by lender. My escrow has negative balance because XXXX took money out of it to pay the bill+ interest and penalties while lender- UWM advised them to pay out of their account. I was told by UWM that broker XXXX XXXX XXXX company sent them a check to cover taxes and they will be responsible for paying penalties and interest. Since XX/XX/XXXX funds have never been deposited back to my account. Again, those funds were provided by seller and I should not be charged for that bill. XXXX XXXX/XXXX XXXX XXXX/United Wholesale Mortgage/XXXX should absorb XXXX because it was their fault they lost the seller 's funds for taxes. I have tried to resolve this issue for over 2 months by now and none of those companies are cooperating. I am being told the same information " funds will be posted back to your account '' but nothing is being resolved.
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| 08/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Private mortgage insurance (PMI)
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Web |
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Where to start with UWM ( United Wholesale Mortgage ). I have been trying to remove PMI on my mortgage for over a year!
No one at UWM can provide in writing when my PMI officially gets removed - huge red flag. I have asked for it in writing or else I am seeking legal help. I received three different answers over the phone about when my PMI gets removed - 80 % LTV, 78 % LTV, 75 % LTV, but nothing in writing. Sound sketchy? Yes.
UWM provided me an updated appraisal on the property through which shows a new appraised value of $ XXXX. My unpaid principal is $ XXXX. That means LTV of 75.2 %. UWM states on their website that PMI is automatically removed at 78 % LTV! Why wasnt mine removed? One representative claims XXXX XXXX- the investor- has set the LTV for PMI removal on my loan at 75 %. Hmm, I highly doubt that.
The next time I called in, the representative informed me that my LTV is 82.5 % and my homes value is actually $ XXXX, not $ XXXX. And why is that? According to UWM, I did not receive an updated appraisal to $ XXXX, I simply received a brokers opinion which I paid {$300.00} for at the time!!! And they can no longer honor the $ XXXX appraised value, they need to go back $ XXXX value moving forward unless I pay another {$300.00} for a new appraisal. Scam artists!
I could keep telling you more stories, but all in all am getting the run around by UWM, who desperately does not want to remove PMI on my loan. I have official written records showing that UWM provided an appraisal for $ XXXX and my unpaid principle is $ XXXX. Per UWMs website, any LTV under 78 % gets PMI automatically removed. As such, I have been paying unnecessary PMI for MONTHS since I am at 75.2 % LTV.
Since I keep getting different answers and excuses, many red flags are being raised. UWM also will not send me the legal language on my mortgage about when the PMI gets officially removed. They just keep changing the requirements every time I call in to remove it.
Please help me, I have a wife and a XXXX XXXX XXXX daughter and I just want to be treated fairly as a customer.
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| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was offered pandemic assistance in the form of forbearance, which I took starting in XX/XX/XXXX. I was under the assumption we would be able to move any payments not made to the end of our loan.
We took the entire extension offered of 18 months.
XX/XX/XXXX I submitted an application on the website to do a loan modification. I checked the next day and it seemed to no longer be there, so I submitted another request. I checked back nearly daily. It came back denied, due to a previous modification, that had been made more then 12 months ago.
On XX/XX/XXXX, I submitted another request for a loan modification. It was denied on XX/XX/XXXX.
On XX/XX/XXXX, I called and talked to our loan representative. She said we could do a deferral of payments on the ones we missed and they would be added to the end of our loan. She said I should make our normal mortgage payment as planned.
On XX/XX/XXXX, I logged in to make the payment. It said I was denied for the federal and I could not make a payment at all on line.
I tried called the representative I spoke to directly-I got her voicemail. I talked to someone else, who was extremely hard to understand ( he was muffled-I asked him more then once to unmuffle ) for an hour. I came out of the phone call with no resolution. I guess the deferral was denied because it would take 30 days and at that point I would be 19 months behind on my loan, even though I was told to make a payment XX/XX/XXXX.
I called my representative again and left a voicemail after the hour long phone call with the other agent. At this point, there is 4 days left of the month ( 2 business days ) and Im not sure whats going to happen. I dont know if foreclosure proceedings have started, I dont know if I can try to pay the forbearance payments over the course of 6-12 months on top of a regular mortgage. I have no resolution or actions to take.
It takes at least 24 hours for someone to get back to me. While I understand its a business and there are other people in line, I should be able to talk to someone who could actually help me.
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| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To whom it may concern, My initial interaction with United Wholesale Mortgage was brief and seamless. Unfortunately, my experience has quickly gone downhill. I currently have three mortgages under my name, and I have never missed a payment. My first step of owning a new property is setting up autopay.
I set up autopay on XX/XX/XXXX, please see attached email confirmation that was sent to me. On XX/XX/XXXX I received a letter in the mail stating that my loan was going to be in default if I dont pay my mortgage. I called into UWM and set up autopay again on XX/XX/XXXX with the help of a representative, please see attached email confirmation of this. I received another letter in the mail saying my loan was in default because my loan was not paid on time. I set up autopay for a third time on XX/XX/XXXX, calling in UWM afterwards to express my concern with the matter. The UWM employee was very helpful and encouraged me that this technical problem with setting up autopay would not negatively impact my credit score.
Unfortunately, because of their system to set up autopay failed me, my credit went down more than XXXX points. I had an excellent credit score XXXX and never paid late on prior debts. I have contacted UWM and submitted formal complaints with all levels of customer service representatives. They explained to me that because, technically, my payment was late, they could not do anything about correcting this issue. My rebuttal to them is that the payment was only late because of their failed system. I took immediate initiative to resolve the problem when it was brought to my attention. UWM told me that I needed to contact XXXX and put in a claim with their customer service team. UWM and XXXX both gave me the run around and treated me like a number on a spreadsheet, not a human being.
I am a small scale real-estate developer in XXXX, XXXX, and having a good credit score is crucial to my success. Please, contact me for any additional information needed to complete this investigation.
Thank you for your consideration, XXXX
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I entered into a forbearance agreement that was supposed to only last for 3 months. Somehow the mortgage company turned it into a 6 month forbearance and then turned it into a loan modification. After I made the XXXX required payments in the loan modification, I attempted to refinance the mortgage through my credit union.
I began in XX/XX/2021. I have and my new finance company, XXXX XXXX XXXX has also requested payoff info as well as a transaction detail many times from UWM. They have given me nothing but a run around, but in the meantime, my payoff amount is growing and growing.
They told me to send an email to give them 3rd party authorization to discuss my loan, payoff, and transaction history with XXXX. I verified the email address and sent the request, then they told me it was an incorrect email address. Then they requested that I fax an authorization. They sent a letter stating that they received the written authorization and they claimed that they faxed the info to XXXX and mailed it to me.
XXXX never received a fax, and I received a payoff letter, but no transaction history. They later sent an payoff to XXXX. Still no transaction history, and of course the payoff is higher because they are charging additional interest while they drag their feet.
They keep promising that they will send the requested info and they may send part of what's needed to payoff my loan, but not all. In the meantime, my payoff keeps growing and XXXX has to keep resubmitting my loan info for approval while UWM drags their feet. I feel like they're dragging their feet in order to keep adding up additional interest.
It is now 2 months later and they still have not provided the transaction detail that XXXX has requested. I don't have all the dates on hand, but XXXX has kept a detailed record of all the times that we have reached out to UWM. They have also recorded all of the conversations.
What can I do to get them to respond before interest rates go up and before I am no longer qualified to refi the mortgage with mu income level
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| 01/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My daughter and I have a loan on her home thru United Wholesale Mortgage. She is beginning her journey in credit/life. The house payment was set up to be taken out of my XXXX XXXX account that was specifically for kids expenses ( college ect ). We decided it was time for her to take over and learn how to make the payment ect.. We phoned UWM and let them know we want the payment taken out of her account instead of mine and we gave them all the needed information on XX/XX/2022. The dollar amount for her mortgage is {$1400.00}. XXXX took the information and changed it but stated that in XXXX it will still come out of mine because it is too late in the month so it would not start taking it out of her account until XXXX. We agreed. ( This is a recorded conversation that they have. ) So around XX/XX/XXXX my daughter called and said mom they still have not taken it out of my account and I phoned XXXX they said " we can not take it out until the XXXX payment is made '' and I said wait it did get paid and they said no it did not. So I paid it and explained that they had said it would still come out of my original account that was on autopay. They said there is nothing we can do and did confirm our conversation was recorded! So they told us it would come out and it did not. I can show you bank records that the money was in there to pay it. Now my credit dropped to XXXX from XXXX and my daughters is probably worse. I want to file a complaint against them and reverse the credit. Even if it can not be reversed I still want to file a claim- what they did is unethical. I never received a voicemail- they said they tried my daughters but she did not receive any messages and I was the original one on the loan so they should have called me. I was in the middle of moving and it was a hectic time and I am so frustrated. I filed with the credit bureau and have reached out a few times to XXXX and they will not do anything because they said it is " automated '' and out of their control. Please help us with this. It is very wrong.
|
| 04/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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In XXXX of XXXX, I received an impound surplus check in the amount of {$3700.00} from United Wholesale Mortgage company. This being my first year in this house, I thought that was a little excessive, but it came at the right time to pay the supplementary tax bill from this house.
When I received my mortgage statement for the month of XX/XX/XXXX, there was a letter along with my statement stating, there is a shortage in my impound account in the amount of {$3700.00}. To make up for that shortfall, they are adding {$600.00} per month to my monthly payment. In this economy, {$600.00} per month added to a $ 5000 monthly payment is too much to ask of anyone. Someone made a huge error in sending a surplus check when there is no surplus. And if you are short {$3700.00}, why am I being charged {$7200.00} by the end of this year, to make up a {$3700.00} deficit?
I called customer service to complain about this apparent solution to recover from a deficit. I was told to write a letter to a Resource Department expressing my concerns. I mailed the letter with in the first week of XXXX. I finally got a response by the end of XXXX. The response was my mortgage was sold to an investor, and they will not relinquish control of my impound account because of the original loan documents specify an impound account.
I've talked to several people in the mortgage industry, and the consensus was, that requests like this happen all the time and most mortgage companies do not have a problem relinquishing impound accounts.
I am requesting to take control of my own impound account, as well as the remaining balance, because I no longer trust the people in this position. An extra {$600.00} per month can cause me to lose this house. If this happens every year where I get a surplus from my impound account and then three months later, I'm told there is a deficit, and they want to add another rediculous amount to my monthly payment, I will for sure lose this house.
Please help me gain control of my own impound account.
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| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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After paying mortgage insurance premiums for 6 months on my mortgage loan, I contacted United Wholesale Mortgage on XX/XX/21 and asked them to remove the mortgage insurance. The purchase price for my home was $ XXXX. The home, at the time, was worth $ XXXX $ XXXX. I provided my mortgage statement, an XXXX, and showed that I could make the payments for 6 months. UWM refused to remove the mortgage insurance on XX/XX/21. They said that I needed to prove that I had done enough work to the house to merit what was already plain as day : that the LTV should not be based on the purchase price. I should mention that the XXXX that I provided was obtained directly from their website. OR that I needed to wait to " season '' my home 2 years before they would consider *charging me for an appraisal* in order to get my PMI removed OR I could pay {$36000.00} off on my loan to get the fraudulent LTV adjusted XXXX
The point of mortgage insurance, I thought, was to protect the lender from losing money on the home if I failed to make payments. I proved beyond a shadow of a doubt that in the event that my mortgage foreclosed, UWM would *profit*. I wrote back to them on XX/XX/21 stating again that the equity in the home more than covered any risk involved. UWM wrote me back on XX/XX/21 stating that " We must adhere to investor guidelines as it relates to the removal of PMI. '' UWM also completely botched up my escrow account, first telling me I had an overage and sending me a check for the excess, then raising my mortgage by almost {$500.00} per month after they realized that they do not know how to do math or properly account for property taxes. California property taxes are always reassessed when a person purchases a home. The property tax rate is based on a percentage of the assessed value ( which, by the way, is assessed at over $ XXXX so, again, the PMI is unnecessary ). Yet UWM completely failed to account for this ( obvious ) fact and set up my escrow account with the previous owners ' property tax bill.
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| 12/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am submitting this complaint because I am being extremely affected by United Wholesale Mortgage.
I have a late payment reported on the above account and it is making my financial life miserable. This incident occurred on XX/XX/2020, during the worst covid-19 scenario. I was one of the affected.
Besides the covid-19 situation, there was a third-party company that was handling my payments and did not do what they were supposed to. This company failed to make my payment, stating that there was a system error and they apologized for the inconvenience. ( I have attached proof of what I am saying ).
I have three properties financed with UWM, had enough money in bank, I had setup auto pay which didnt go through. In addition, since I had moved to a new address, I didnt get late notices, in the midst of this he was struggling with XXXX XXXX. I have 2 other loans with UWM that are open and paid on time.
Both situations ( XXXX and the third-party company error ) became overwhelming at the moment they happened and they were both not in my hands. I find it really unfair to have a late payment reported now because of somebody elses error and because I was really XXXX. This was not a monetary issue. I did have enough money to pay. You can check on your records that I made the payment next month, right after I saw the late reported and received the third-party company letter.
I even called to try to fix this, but the representative sounded really unwilling to help me, stating that I should contact the credit bureaus, when we know that the one that makes the final decision is the creditor. The credit bureaus just follow the creditors indications.
My demand is based on many damages and all the violations that they have committed : Deceptive business practices, Providing false information over the phone, Reporting discrepancies across bureaus, Negligence, Misrepresentation of facts, Unfair business practices and Violation of Cares Act.
I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP.
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| 01/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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hi! my name is XXXX XXXX.
United Wholesale Mortgage, the mortgage company for my home, collects monthly escrow for property tax and insurance.
they accidentally paid the property tax for both my home, the address of which is XXXX XXXX XXXX, XXXX XXXX NY XXXX, and for an adjacent commercial property, XXXX XXXX XXXX XXXX, which is owned by an LLC called XXXX XXXX XXXX XXXX XXXX. XXXX which I do not own, have never owned, and have absolutely nothing to do with ). I found this out because when I called the mortgage company to inquire as to why they were showing me with an escrow shortage of {$48000.00}, they informed me that they needed to collect from me the taxes for my " 2nd property ''. They claim that the town which is the taxing authority, told them that I own 2 parcels of land and thus am responsible for both properties ' tax. the other property is owned by a cardiology practice, not by me, and is a commercial building with a huge annual tax bill. the mortgage company has paid the first half tax on both my home, and on this other property as well. They did this without ever consulting with me. Now they are trying collect the money for the other property 's taxes, which they incorrectly paid, from me. I have called several times, emailed, and sent them the correct bill for my home as well as researched and sent them the other bill showing that the ownership is a company, not me. they have ignored my contacts and continue to try to collect an extra {$35000.00} in taxes on this other property from me .... they claim that I need to contact the town and straighten it out???? they have added XXXX a month to my mortgage bill. This is absolute insanity and they take no responsibility for their mistake, instead putting the onus on my to straighten it out. I am concerned about my credit and need help in getting this situation rectfied. again, I have been contacting them since XXXX, and they have failed to provide any resolution what so ever, other than suggesting that I call the town.
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| 11/27/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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|
Web |
Servicemember |
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I am writing to dispute the continue mortgage fraud that United wholesale mortgage has been creating against for over one year ; over a period of one year United wholesale has violated our mortgage agreement despite repeated requests, United wholesale mortgage continue to create serious issues against us that are creating economical stress, XXXX XXXX and XXXX, and also affecting our credit score and history.
As you can see here in our previous claim history, this has been a personal perpetuated attack and violations to our rights. We are disputing the amount that UWM claims is owed according to the monthly mortgage statement, and disputing all late fees that we dont owe. As a result of the failure of UWM to honor the XXXX XXXX XXXX approved on XX/XX/XXXX We have spoken with different executive team members and customer service about setting a XXXX XXXX XXXX On XX/XX/XXXX we received a letter about approval of the XXXX XXXX XXXX and an email confirmation of approval on XX/XX/XXXX ( SEE ATTACHMENT ) which includes : Your total monthly payment of {$1100.00} is due on XX/XX/2023.
The day of XX/XX/XXXX we received a notification about being default consists of your failure to pay the monthly mortgage payments due beginning XX/XX/2023, until the present. The total amount due to cure the loan may also include sums for unpaid escrow deposits and late charges. The total amount due as of the date of this letter is {$8100.00}.
We immediately contacted executive team members and customer service the following dates and several times : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please see attached ) Every time I had to narrate the whole story and on the last call on XX/XX/XXXX, I was reassured that my account will be updated accordingly.
As of today XX/XX/2023, my mortgage account has not been updated according to the XXXX XXXX XXXX and shows past due amount since XX/XX/2023, because of the failure and lack of responsiveness of UNITED WHOLESALE MORTAGE
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| 03/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My wife had set up auto-pay for our mortgage but there was an issue as we opened an additional savings and checking account to manage our money. We missed 2 mortgage payments. Upon discovering the error, we paid those two and our current months all at once. We are fortunate to have no difficulty paying our mortgage. In the process multiple payment reversals were accrued because the autopay account was insufficiently funded. In XXXX I also did a the mortgage payment manually on the website because there was no pending payment alert or anything signifying our new auto-pay has been implemented properly. The company treated it as a double payment, with the second one reversing. They informed us that 3 reversals means we must not give payment via ceritifed check. Despite my protests on the phone, the customer service rep ( who acknowledged that because it was a double payment reversal that we should be allowed to pay online still but that he was unable to change it ) said that I should submit payment this way a few times and then check back. I sent a cashier 's check via XXXX XXXX to the address provided. That paymeny was initiated on XX/XX/XXXX, and sent the following day XX/XX/XXXX. Payment was posted XX/XX/XXXX on my United Wholesale Mortgage account. I then received a notice saying that my payment was sent to the wrong place and therefore they had difficulty posting it ( However, it was posted within 24 hours of the check delivery, did not reference the loan & the original notice did not supply any of these directions ) and that I must mail my payment to a new address, a po box . Payment services like bank certified check delivery do not deliver to po box es. I have attempted to call UWM and their lines are down due to a technical error. I have attemped to reach them via customer service chat which is also experiencing technical errors. I believe that this is predatory and harrassing behavior because they would like to make fees off of late payments penalties.
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| 01/21/2021 |
Yes |
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- Trouble during payment process
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Web |
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When my mortgage company did my escrow analysis on XX/XX/20 my escrow payment increased to XXXX $ monthly substantially increasing my mortgage payment. My husband and I had anticipated some increase due the fact that the previous owner had numerous homestead exemptions on the house and since we had moved into the house in XXXX we did not qualify for any home stead exemption, so we knew going in, that there would be a discrepancy due to the tax bill. XXXX $ was deposited at closing and XXXX was going monthly into the escrow account, by XXXX {$2900.00} should have been deposited into the account. Our home owners insurance was paid in the amount of XXXX ( XXXX ) monthly pmi was paid at a rate of XXXX ( 9 months ) and our tax bill was paid in the amount of XXXX ( XXXX ), total amount out XXXX, which results in a discrepancy of around XXXX. When I called to discuss the escrow account with my mortgage company I was told that to catch up from last years shortage I would have to pay out XXXX. They calculated this number claiming to have paid out XXXX on my behalf and that on the date since i did not have a balance of XXXX in the account I now owe that too. I was unaware there was a penalty for not keeping a minimum balance in the account and according to what was actually paid from the account last year as shown by my escrow statement they did not pay out XXXX last year on my behalf. My husband and I will gladly pay out what we owe for last years shortage, but we will not pay out a grossly inflated inaccurate amount that includes a fee that was never disclosed to us. Also, pmi payment was projected to increase from XXXX to XXXX monthly over this year. I asked for an explanation as to why, and the agent told me that she couldn't explain pmi to me and tried to reach out to the pmi department unsuccessfully. According to my amortization schedule, the pmi should be decreasing with my payments not increasing since the amount of my loan has not changed.
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| 11/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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Web |
Servicemember |
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When I first called my mortgage company, United Wholesale Mortgage, back in XXXX of this year, I spoke with a representative by the name of XXXX XXXX. I was given ID number XXXX by him. I made it clear that my wife 's income would be reduced until XXXX or XXXX of XXXX as a result of her recent XXXX XXXXXXXX. They gave me an extension good until XX/XX/XXXX, for a period of XXXX month. I paid on XX/XX/XXXX ; the conference number that was provided online is below.
On XX/XX/XXXX, you submitted your one-time payment draft for your loan ending in XXXX in the amount of {$1800.00}. The number for confirmation is XXXX.
Then, in XXXX, they claimed that the check bounced and assessed a {$25.00} late fee. My monthly installment is {$1800.00}.
On XX/XX/XXXX I contacted them seeing that their promise was given for an extra month 's extension. I shared in several communications with my wife who helps with the bills her income was put on hold due to XX/XX/XXXX XXXXXXXX XXXXXXXX and needed help back in XXXX, after they received the first payment in good faith as promised. I found out in that conversation with the litigation dept they misled me.
So, I waited and reached out this time to corporate where they let me speak with a XXXX named XXXX XXXX, who listened to my formal complaint and corrected the issue by providing a forbearance extension for the next 5 months and removing the {$25.00} late fee assess and that would be receiving a form from the ligation showing all promise. She also said during this time there won't be any late charges or credit reporting.
I later received a text message alert and email that the XXXX payment was late after I was told there would be no bad credit reporting to any agency during the forbearance that XXXX XXXX XXXX XXXX shared. I was so upset that my credit score of XXXX went to XXXX credit which was bad. What they did was a deceptive practice. I've filed with Texas Attorney General # XXXX My case # XXXX
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| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage keeps putting false forced-coverage on my property.
This started since last year, XXXX I purchased homeowners insurance with XXXX XXXX XXXX for the property in XXXX. UWM told me that the coverage was insufficient. But the whole time, they insisted on me having to buy Wind Insurance. I am in Florida and I must have hurricane coverage, which I did have. But I never needed wind coverage. Although they cover the same things, one is required in the state of Florida ( hurricane ) and the other is not required, unless a property is on the coast ( which mine is not ).
I reached out to UWM and I was instructed of the discrepancy. I was instructed to reach out to FEMA to get a Letter of Map Adjustment ( LOMA ) to remove the wind coverage. I reached out to FEMA but LOMA is only to remove flood insurance. I must have flood coverage because I am in a AE zone. I sent the letter along with transcript from FEMA about the misinformation. UW lied about receiving a letter from FEMA about wind adjustment.
After all this back and forth, they purchased wind coverage on several occasions while I had a homeowners policy with hurricane. Up until the XXXX of XXXX of this year, I am threatened with a notice to purchase Wind coverage, all this while I have sufficient homeowners with hurricane coverage.
UWMs unwillingness to revise the contract and insurance are causing me great stress and great imbalance on my escrow account. They render the house unaffordable. My mortgage was XXXX in XXXX, XXXX in XXXX, but is currently XXXX with the possibility of an additional XXXX per month. The monthly payment is projected to be XXXX starting in XXXX. I reached out on several occasions but they are unwilling to drop the unnecessary forced coverage, which is unlawful.
This practice hurts minority homeowners, and this is painful to imagine that a services is operating outside of the legal realm because of little oversight.
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| 12/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My lender United Wholesale Mortgage ( UWM ) impounded my taxes and insurance. The taxes were due XX/XX/XXXX. I refinanced in late XXXX and on XX/XX/XXXX my loan with UWM was paid in full. I learned on XX/XX/XXXX that UWM had NOT paid my taxes. My county assessed a late penalty on XX/XX/XXXX in the amount of {$380.00}. I paid the amount of taxes due PLUS the penalty on XX/XX/XXXX. It has been over 30 days since I closed on the refinance and I still have not received my escrow impound refund in the amount of {$10000.00}. I have called XXXX times and have been given the run around all three times, most recently today ( XX/XX/XXXX ) when I spoke with XXXX. The first call I made, the employee told me the check was cut on XX/XX/XXXX. I checked my online account today and saw that the check was not cut until XX/XX/XXXX, and it is XX/XX/XXXX and I still don't have it. It's not rocket science to know someone is not being truthful. XXXX told me it can take between 10 and 15 additional days to receive it because of the mail, and also the holidays, and also that they are so " busy. '' Again, not rocket science. If XXXX can get packages delivered in a day or 2, I expect someone ( UWM ) holding my money can make returning it to me a priority. I asked for an escalation and was transferred me to " XXXX '' who never came on the line. Despite having my phone number, and confirming it on the call, they didn't bother to call me back. I am confident that UWM has not acted in good faith. As my fiduciary, I trusted them to pay the taxes as they had my money. They breached their fiduciary responsibility. They are not acting responsibly in my best interest. They have balked and tried to pass the buck for weeks. There is no excuse for them continuing to hold my money and creating significant financial hardship to me. They continue to earn interest on MY money. I am a senior citizen, on a limited income and this seems illegal.
Thank you,
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| 08/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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As of today XX/XX/XXXX we found out our mortgage had been sold to a different mortgage company. This morning my husband went on to the United Wholesale mortgages website to pay our mortgage and was told our loan was paid off and we have no option to pay through them. It has been sold to another company which we were made aware of today. That company is XXXX XXXX. I proceeded to download their app and attempt to pay. It says our account details have not been transferred over yet and it will take 2 days to be able to create an account with them. The date I will be able to make a payment through the new company will be XX/XX/XXXX, according to them. My payment will be late as of midnight tonight, XX/XX/XXXX. I have absolutely no way to pay. Yes, so have called both companies. I called XXXX and the automated message said my husband nor I exist at the moment. There are no accounts with our phone number, SSN, or loan number. I, then, called United Wholesale Mortgage and talked to XXXX. He told me they were not authorized to talk to me and my husband had to call. Quite a while ago we had this problem with them and we sent in copies of identification and a notarized letter giving me permission to talk to them and be added in as an authorized user. They claim them never got that, then he rechecked and found the letter that gave me authorization. However, he claimed it was only valid for 90 days. We have had nothing but issues with this company from the start. They have lost our payments for the months of XXXX and XX/XX/XXXX and reported them to the credit bureau as late. We had talked to about XXXX different people who said they would not get reported since it was their fault they lost the payments, but did not honor their word. As of right now, we have no way to make our payments and it will be late if it is not made by midnight tonight even though I have taken every Avenue to make sure it is paid on time.
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| 09/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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Previous Mortgage Company : United Wholesale Mortgage ( UMW ) As of XX/XX/XXXX, UMW adjusted my mortgage payment from {$3400.00} to {$2900.00} stating we were overpaying into our escrow account. They sent us a check on in XX/XX/XXXXXXXX for the amount of {$10000.00} stating we are due the amount because escrow overage. I'm unsure of how they conduct their year escrow analysis projection and when they received the property tax notice, but for the periods of XX/XX/XXXXXXXX - XX/XX/XXXXXXXX my property tax went up from {$2200.00} to {$720000.00}. Due to the drastic change in property value our escrow should've went up. However UMW did not notified us of the changes or that escrow account was in the negative. Appearently they were paying the difference on our behalf instead of notifying us and readjusting our mortgage to reflect new property value amount. Concurrently in XX/XX/XXXX, they sold our mortgage loan to XXXX XXXX XXXX XXXX. They even sold our mortgage to the new company with a a negative short escrow account.
Current Mortgage Company : XXXX XXXX XXXX XXXX XX/XX/XXXX, the new mortgage company XXXX XXXX XXXX XXXX notified us about the changes to our mortgage payment from {$2900.00} to {$4100.00}. Stating it was due to our negative escrow shortage of {$3500.00}. On top of the escrow shortage, I have to pay the new projected escrow amount of {$8400.00}. In doing so, my mortgage went up by {$1100.00}. Upon talking to the representative from XXXX XXXX XXXX XXXX that when I realized what happened to my mortgage and escrow account with UMW.
After contacting XXXX XXXX XXXX XXXX, I contact UMW to get a copy of our escrow transactions and review my previous mortgage statements. I now see when these negative balance have occur but when were they going to notified me of these changes. It was not until a year later with new mortgage I was notified of the negative escrow balance and changes.
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| 12/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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XXXX is a nightmare. I was told at closing I could make XXXX payments of my mortgage but prior to the due date. First payment due XXXX. Thus, I sent XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. XX/XX/XXXX was returned. I spoke to XXXX who informed me they dont accept payments less than the amount of the mortgage. But she could stop the second half from being rejected. I re-payed the first half over the phone. I later received a voicemail that XX/XX/XXXX was returning too. I verified with XXXX that the XXXX payment was not returned.
I called the next day and spoke to XXXX. Rude and unhelpful. She literally argued with me and cut me off. She then hung up on me. I called again and got the same person. She argued I did not hang up, I just stopped talking to you. Both times she refused to confirm where the XX/XX/XXXX payment was.
Then, talked to XXXX. Gave him the right SSN but wrong loan number. He still found the account. XXXX the account was found, he proceeded to lecture me on the importance of the correct loan numbers for XXXX minutes. Also, he was still not able locate the XX/XX/XXXX payment. He did inform me that if I am a payment ahead, I can indeed pay in XXXX separate payments ( with a form completed ).
To make matters worse- now EVERY time I call, I hear this is an attempt to collect a debt, any information will be used for that purpose message.
Collect a debt?!?! I am attempting to pay a debt!!
In short : Where are the XX/XX/XXXX funds?
Also, Why is the customer service so ill-informed? And why is XXXX soooooooo argumentative and allowed to continue. I am literally JUST trying to pay my mortgage ( And find out where the XXXX payment is ). We have had many mortgages, banks, stocks, investments over these last 20 years. This bank is by FAR the worst in which I have ever dealt. And the worst part is we are stuck with them for at least a year before we can refinance.
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| 08/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This company is scamming us to charge late fees. My husband recently had our loan assigned to United Wholesale Mortgage. Our previous 2 servicers ( XXXX XXXX and XXXX XXXX ) had no issues apply our payment over 2 payments. We have always sent half the amount 2 weeks before the due date, and the remainder a few days before the due date. This is how we have been able to budget our finances for years. We were surprised to receive a letter dated XX/XX/2020 with a check enclosed for the payment we sent in mid XXXX for our XXXX payment. It was like a slap in the face to see that they also charged us a late fee. We are in a pandemic, many people are struggling to pay their bills yet we strive to pay ahead of time and the company can't figure out how to properly process our payments. We called the customer service line and received no help whatsoever. They were useless. We spoke to " XXXX '' and " XXXX ''. I asked to speak to a manager and I was told they would have to call me back. I waited 8 hours for someone named " XXXX '' to call me back and they never did. I sent an email to their " customer advocate '' and received a call the following business day from " XXXX ''. She told us she would apply the payment that had previously been applied incorrectly but she couldn't do it until we were ready to make the XXXX payment. She said to call back at the beginning of XXXX and they would do it. Today is XX/XX/XXXX. We have called 4 separate times to make our payment and they have all said they can't do it. 3 different people ( XXXX, XXXX and XXXX ) have promised to have a supervisor call back and they never have. I've asked to speak to XXXX and I was told told they don't know who she is. I asked to speak to the people I have named off here, and none of them know who the other is. We are now in danger of being charge another late fee in spite of trying to pay ahead.
XXXX XXXX XXXX
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| 04/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We are working with XXXX XXXX t refinance, and have gone through the closing process all ready ( XX/XX/XXXX ). We have turned in lots of paperwork as to the temporary hold on my wife 's job, the employer guaranteeing work to resume with no loss of hours or income ( signed statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I also qualify for this mortgage simply on my own income.
Today ( XX/XX/XXXX ) I received this message : We have encountered a crossroads in the way business is being done VS. Should be done. United wholesale Mortgage has issued the following statement about funding your loan : Hi XXXX and XXXX, So management is not allowing loans to fund currently where the borrower is on leave. Things are changing and management is implementing rules for borrowers on leave or deferred compensation. My initial understanding was to treat this as temporary leave but unfortunately, Management overrode my decision to do this and they are not allowing borrowers on leave to move forward with a loan. Again, I apologize for this but things are changing so quickly with borrowers employment so rules are being implemented on the fly.
Thanks This has put us in an awkward situation because legally they should be funding your loan. We have abided by all their conditional requests ( and then some ) and they still refuse to fund the loan due to an internal rule. We have consulted the real estate attorney that owns XXXX XXXX ( the title company that closed your loan ) and he is in full agreement with us. But unfortunately the only way this company will change its ways is if consumers start complaining. '' I would like to file a formal complaint against United wholesale Mortgage as this is costing me lots of money for something that should not be held up and they simply shouldnt be able to change terms on the fly when we have complied with so many demands that are not normal.
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| 01/31/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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To Whom it May Concern, After spending more than six months trying to resolve the mistakes with United Wholesale Mortgage ( UWM ) on my VA loan, they refuse to correct their mistakes. My payments are not being applied to my account on the dates received by the mortgage company. Payments are taken out, then reapplied at later dates. Funds are held, misapplied to principle, then removed and incorrectly applied to the monthly payments later than when payments were received. I tried working directly with their customer service line and my records shows numerous calls over six months from payments not properly entered on my loan. I even walked a representative step by step through the payment expectations, yet another mistake was generated. The mismanagement of the escrow payments is terrifying. The mistakes are clearly showing in the payments history on my loan with the numerous corrections made monthly by UWM.
Example : The payments made in XXXX ( XX/XX/XXXX & XX/XX/XXXX ) should have been applied to the XX/XX/XXXX payment with the excess going to principle. I dont know how to say that differently so UWM can understand? Not only did UWM not do that, it appears that they applied the additional funds towards the XXXX payment, reducing that payment amount. Every time I call they tell me it's corrected and I shouldn't worry. Yet it never gets corrected.
I've never had a late payment or fees of anytime on this new VA Loan. I've attached the payment history record directly from UWM. You can see the constant corrections being made by UWM monthly.
I can no longer call into UWM customer support, I get a different answer every time. For my protection I have been sending in emails in order to track the records and communications. After seven months with no resolution, I feel an investigation is warranted. Any assistance is greatly appreciated.
Sincerely, XXXX XXXX
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| 04/22/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I am a spouse of an XXXX XXXX serviceman. My current mortgage company is United Wholesale Mortgage. We refinanced and closed XX/XX/XXXX with a deposit into escrow because property taxes were coming due. I was alerted the taxes were not paid XX/XX/XXXX and called the company to see what the delay was. I was assured that the taxes would be paid and received several follow-up calls assuring me that the problem was handled. In the end of XXXX this year I was again alerted that my property taxes were still not paid. I contacted UWM and was again assured the taxes will be paid and they were on the situation. I received several calls without resolution of the problem. 2 weeks ago I began insisting that I was explained what the problem was. I was told that we were tax exempt ( which we are not ) and was told they had no intention of paying with the over XXXX XXXX dollars of money currently in escrow. They said they were only going to pay the home insurance with the money which makes no sense as that is only {$1000.00}. I contacted the XXXX County Assessor 's office and they were very helpful in finding out the mortgage company was using the wrong parcel number ( Assessor 's ID ). I again alerted the company to this error and sent my copy of the current tax bill expiring XX/XX/XXXX on XX/XX/XXXX along with the conversation with the XXXX County agent. I again received a follow-up call stating that they couldn't pay the bill yet. They told me they contacted the XXXX County Assessor without changing the parcel number. I asked if they could close the escrow account and give me the money to pay my taxes or just simply pay the taxes immediately. The penalty fees are currently {$360.00} but will probably be doubled because they once again missed the deadline. At this point in time they still have not resolved the problem and my taxes are unpaid about 5 months late.
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The problem is not listed so I just chose the most innocuous one.
Last year, United Wholesale Mortgage mismanaged my escrow account by not using my money to pay my insurance for a year. The insurance expired and I was not able to get insurance with that company again. I got insurance with a new company and paid for it myself out of my pocket because I don't trust United Wholesale Mortgage to manage my money.
I filed a complaint with your organization and United Wholesale Mortgage lied to you and gaslighted you and you closed the case.
I have continued to pay my own insurance and United Wholesale Mortgage refuses to lower my escrow cost so I have continued to pay my mortgage without fail even though they increased my escrow charges!
Two weeks ago, they sent me an email saying they " paid your property taxes '' when they didn't. They actually paid my insurance!
I decided to look at my escrow balance and I found a secured message from them that said I had a shortfall in my escrow account! They never contacted me about this. I found out by accident. I responded by asking them where the money went and also why are they paying my insurance when I already paid it. They never answered me.
I decided to look on the website and see if they answered the message ( but never contacted me like before ) and now the website says I have a shortage of nearly {$6000.00}! Where is the money I have been giving them every month? Now they say they are increasing my monthly payments by over {$700.00} per month!!!!! It is absolutely impossible that I am short this money. WHERE IS MY MONEY?
I have tried calling but the people on the phone just hang up when they don't know the answer to my question. WHERE IS MY MONEY?
I asked them to close the escrow account and let me handle my own money since they have proven to be incapable to do that. They said they won't.
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| 04/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hi, Ive been working for months with XXXX XXXX XXXX XXXX| Owner XXXX # XXXX Individual XXXX # XXXX Call or text -- Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX XXXX on a new conventional home loan refi. He is a loan broker and my complaint is not with him. My complaint is with the underwriter, United Wholesale Mortgage ( UWM ).
I timed the lock perfectly at the low and got a quote for a 15 year, $ XXXX loan@ 2.625 % with $ XXXX in loan fees. Our loan number with them is XXXX.
My wife and I have spent very many hours of precious time providing UWM with enormous volumes of information that proved we met all their qualification rules. All the while during this process, interests rates have been creeping back up and now they have changed the rules to say we no longer qualify, when in fact they refuse to honor the lock because rates are higher now.
They are concerned about the short-term contracts that are typical with software programming contractors like me. Their rule stated that you still qualify despite the intermittent work schedule if you are unemployed for less than 6 months and your income during the months you were employed were sufficient to qualify. I met that requirement.
Now that interest rates have crept back up, they changed the rule to state that I must be employed at the current job for 6 months and then we would have to start the whole time-consuming process over again, with rates now much higher!
I called the UWM consumer advocate department ( XXXX ) today, XX/XX/20, to see if they could address this complaint and get our loan closed, as promised. But they never called me back. Then I sent an email, similar to this one to XXXX, which I got off the UWM web site, but never heard back from them either.
Please force UWM to honor their end of the contract and get this loan closed as promised.
Thank you, XXXX XXXX XXXX
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| 06/11/2019 |
Yes |
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- Trouble during payment process
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Web |
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I financed my mortgage with XXXX XXXX XXXX through XXXX XXXX XXXX. My closing disclosure showed my monthly payments to be in the amount of {$1400.00}. The forms signed at the title company on my closing date of XX/XX/XXXX included my First Payment Letter showing that same amount of {$1400.00} to be due on XX/XX/XXXX. The booklet with monthly mortgage dues also showed the same amount.
I received my first statement from XXXX XXXX XXXX in XX/XX/XXXX for first payment due on XX/XX/XXXX. The statement showed a payment due of {$1600.00}. I immediately contacted the company to question the amount and they advised that they would verify and get back to me. I had to call them back several times to follow up as I did not want to be in default but no one could provide me a straight answer on the difference in amount from my closing disclosure and the statement. I was set up online and went ahead and made my first payment in the amount of {$1400.00} and advised them that I would be paying the amount shown on my closing disclosure until I would get an explanation on the discrepancy. One person would say they calculated it incorrectly during the closing, another person would say the escrow changed. I finally got a hold of XXXX XXXX XXXX who was able to get me to the manager and the manager 's explanation was that there was a glitch in the system. I refuse to accept that explanation and I went by my closing disclosure 's amount to budget my bills. On my XX/XX/XXXX statement, they applied a credit of - {$200.00} to the total, bringing the new amount due to {$1400.00} which is the amount originally shown on the closing disclosure. I thought that maybe they fixed the problem but on my XX/XX/XXXX statement, the old amount due of {$1600.00} was showing again.
To avoid additional taxes and fees, I have been paying the full amount due.
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| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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This is our final attempt and notice demanding refund/credits, and mortgage payment to be returned to {$1100.00} as per the loan closing contract signed in XXXX.
Since XXXX of XXXX we have attempted to resolve this out of court, with no results on your part. This is a follow up of a previous complaint, that surprisingly enough as of today XX/XX/XXXX United wholesale mortgage do not want to finally resolve this issue created only by this company, violating the selling contract and ignoring the law and rights we have.
Since XX/XX/XXXX United Wholesale Mortgage has unlawfully charged our loan account with unlawful charges and has unlawfully created escrows account when not need it. Despite many occasions that we have proved that we pay our own taxes and insurances, without ANY gap in coverage.
We have been compliant with all the requirements regarding insurance and taxes and XXXX months now have passed with no final resolution/clarification in the mentioned matter.
This situation with UWM has cost us additional damage, mental anguish, trauma and stress that just last week took me to the XXXX room.
Please refer to the attached letter from XXXX XXXX dated XX/XX/XXXX : XXXX your loan closed with no escrow account requirement and you are responsible for the payment of hazard insurance premiums XXXX This letter also mentions an for escrow shortage in the amount of {$79.00}, on XX/XX/XXXX a payment of {$94.00} was made which was directed to be pay towards the mentioned escrow shortage above.
On XX/XX/XXXX I immediately called to the XXXX resolution team at the XXXX XXXX XXXX to clarify that this payment was to be directed to the escrow shortage of {$79.00}, despite several phone calls, and us be very proactive to clarify all of the mentioned above, NONE OF THIS HAS BEEN RESOLVED. ***please find the attached call log.
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| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hi, I am in a very time sensitive process of home buying. I am under contract and was locked in with a lender at XXXX rate with no points bought. My loan documents showed an anti steering disclosure that told me I could buy down rate to XXXX for {$10000.00}. While this is a big amount, I see value in this option and expressed interest, asked follow up questions and my loan officer told me I could buy the rate if I choose to do so. However, during underwriting my loan officer insists that's not an option anymore, he says that number shouldn't have been there and that he didn't like the anti-steering document as. I think my lender is trying to push me to get a rate that is beneficial for him knowing all too well that I am outside my due diligence period and can't back out of the house or change lenders as the market interest rate has changed in the last couple weeks. I need my lender to abide by the anti-steering law.
I asked XXXX if I can talk to a manager or someone about this and he said that they would redirect to him since they are not licensed officials.
In the many times I talked to XXXX about buying points he never mentioned the lender credit offered on the loan documents would go away, he also says there will be additional loan origination fee I will have to pay if I want to buy down rate. I think this is made up with no legality to it. I am afraid my situation is being abused since they know I will have to go through the home purchase or pay the seller {$3000.00} and all closing attorney fee.
Please guide me on how to navigate this. I need immediate help.
My lender is united wholesale mortgage llc, XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage , LLC PHONE ( XXXX ) XXXX BROKER XXXX Loans XXXX LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX
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| 02/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I applied for a HELOC with United Wholesale Mortgage in the amount of {$110000.00}. On XX/XX/XXXX I closed on that HELOC and provided instructions that I wanted an initial advance in the amount of {$60000.00}.
{$60000.00} was deposited into my checking account on XX/XX/XXXX.
I received my first statement, dated XX/XX/XXXX, from UWM which states the outstanding principal balance of my HELOC is {$110000.00}. Puzzled, I reached out to UWM and asked them why my statement suggests that I had accessed/used the entire balance of my HELOC. The customer service agent I spoke with was unable to locate my closing documents and suggested that the remaining balance of the HELOC was likely used to pay off other creditors. This did not happen. I did not ask for my other debts to be paid off they have not been paid off. And I did not/have not taken any additional draws on the HELOC. I was informed I can submit a qualified written request challenging the accuracy of the outstanding principal balance.
In the closing documents I was provided a copy of, the settlement statement shows the following : Loan amount = {$110000.00} Total of Origination Costs = ( {$5300.00} ) Due to Borrower = ( {$60000.00} ) HELOC Balance = {$47000.00} Id like UWM to provide me with a register of activity associated with my HELOC so I can understand where the remaining {$47000.00} was allocated. If there is other disbursements from my account these were either incorrectly applied to my account or they are fraudulent transactions.
My current loan payment, due XX/XX/XXXX, is {$860.00}. This was calculated using interest applied to the incorrect and overstated outstanding balance of the loan. Id like this and subsequent payments to be corrected to accurately reflect my outstanding principal balance of {$60000.00}.
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| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My wife and I applied for a refinance of a property. Our credit scores are excellent and our credit reports obtained from the credit bureaus show an " excellent payment history ''. This mortgage is our only debt. Our income exceeds what is necessary to qualify. The loan-to-value ratio is probably somewhere between 38.5 % -45 %. We have never missed payments on anything or ever filed for bankruptcy.
Our application was denied due to " Unable to verify residence ''.
From the start of the process that the lender was informed that we live abroad. All of the documentation which we provided shows our foreign address, bank statements included. We have been away for 2 years so our last two IRS fillings were done with this address. We receive mail from several institutions, the IRS included, in order to keep our affairs in order.
All of our income is US-based ; we have no income abroad. We provided title and record information about the property we currently reside in showing full ownership and no mortgage.
Upon request, we also provided a US address belonging to a friend of ours who receives the odd mail from us. We rarely receive mail since most companies prefer paperless methods, but nonetheless this was made available as well.
We enlisted the help of another friend in the US who would have power-of-attorney. He would sign on our behalf at the closing. The title company sent us the power-of-attorney document to use and we booked with the notary at the local US embassy to sign the documents.
We e-signed the lender 's disclosures and also the rate locking documents. Shortly after the latter, the loan was denied.
In a nutshell, are US citizens/persons who live abroad barred from refinancing their properties in the US?
We can not find a valid or reasonable reason for this loan to be denied.
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| 03/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Starting XX/XX/2023 ( " XXXXXXXX XXXX XXXX XXXX XXXX ) United Wholesale Mortgage is trying to overcharge me by performing another deceiving Escrow Analysis.
With no justification at all, with help from their so called payment processing team, XXXX XXXX ( whic is under the Cease and Desist Order issued by the Office of The Comptroller of the Currency ), they have increased the Escrow Deposit from {$710.00} to {$760.00}. ( please see attached ). Huge difference!!!
{$710.00} is a contractual established amount, obtained through a previous Escrow Analysis that was performed in regards of the loan modification process.
Moreover, this amount of {$710.00} can not and should not be increased at all as long as : 1. Cost with Property Mortgage Insurance, Homeowners Insurance and Property Tax didn't vary ( as per our contract ) and 2. because this was already established for a length of 60 months since is a XXXX XXXX backed up loan.
Every year, every year, every year, this company has performed an Escrow Analysis and has put lots of EFFORT to overcharge my Escrow Account through a deceiving Escrow Analysis.
Every time I have to address these concerns.
I get it, they don't like the fact that the shortage can be paid in 60 months and not in 24 ( as they want for a faster cash flow ). But this is a XXXX XXXX XXXX investor 's backed up loan and they have to comply with the Federal Law and XXXX XXXX XXXX requirements and guidelines and STOP abusing me and my account.
Stop OVERCHARGING my Escrow Account! Out of the last 4 Escrow Analysis ( for the past years ) you never made a mistake in charging less, you only MADE MISTAKES and tried to charge MORE. Is your computer SET only to CHARGE MORE???? Maybe is time you should adjust that computer system and definitely your DECEIVING PRACTICES.
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| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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On XX/XX/XXXX I received an email from United Wholesale Mortgage stating my mortgage payment was received. It had been setup on automatic payment since XXXX XXXX XXXX. I then saw on the website for United Wholesale Mortgage on XX/XX/XXXX that my payment was received. Then, on XX/XX/XXXX I received a letter in the mail that my payment for XXXX was not received. The letter was dated XX/XX/XXXX. I paid the amount as soon as I received the letter. The company sent my late payment information to the credit bureau as a late payment. This caused a drop in my credit score by XXXX points. I called the company and requested the late payment be removed from my credit and they refused to remove it stating their policy was if a late payment exceeded 30 days they had to leave it on the report. I explained and sent pictures that their company notified me in an email and on their site that the payment was received and the next notification I received was already after the 30 days had passed stating the payment was late. This gave me no time to correct the error within the 30 days to avoid the late payment from reflecting on my credit report. I called back after the initial complaint was filed and spoke to a manager named XXXX. I sent him the pictures I had and he said he would file the request to have the late payment removed from my credit report. In XX/XX/XXXX I received an email stating they would still not remove the late payment inquiry from my credit report. This company is at fault for not giving me the notification in an appropriate time frame and then penalizing me and my credit score. I have never had a late payment on any account I have ever had and because of their poor communication and policy my credit score suffered and therefore my ability to obtain future loans and purchases.
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| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I moved from my old home ( XXXX XXXX XXXX XXXX ) to my new one. I kept the old house as a rental, and I forgot to update the address with my loan servicer initially.
I tried to set up autopay from my business account, and received a notification that it was successful. I then received letters telling me that auto pay had been set up ; then that it had been cancelled. I set it up again and got another letter telling me that it had been set up successfully, and I no longer thought about it.
Over the course of the next couple months I received some- but not all- of the notices sent to me, often at the same time.
Basically, they had cancelled and re-set-up automatic payments multiple times and sent me multiple letters telling me I both had been approved and had not been approved. They also sent me a letter ( which I did not receive until later ) saying I'd missed a payment.
I learned I was behind on payments when my credit report was updated- I got ahold of the letters from my property manager later.
UWM made no attempt to call me, or email me, or contact me in any other way. I understand that I made a mistake by forgetting to update my address with them, but I immediately paid all the payments and all the late fees and wrestled with their customer service to get ACH set up right ( again ).
They refuse to take this- my only late payment for anything, ever- off of my credit report. Even though it only happened because I *THOUGHT* I was set up on auto pay- because they sent me a letter telling me that I was.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, letters were sent to me confirming I had ACH set up.
I will attach some of the letters here. I thought that, due to their earlier letters I received, that my auto pay was set up from my business account.
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| 12/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, The following are the details for the complaint : On XX/XX/XXXX we closed escrow on our primary residence home located in XXXX XXXX, CA Our mortgage broker XXXX XXXX ( XXXX XXXX XXXX, broker XXXX # XXXX, XXXX # XXXX, Direct : XXXX, XXXX ), included a {$1800.00} charge for interest points that we did not authorize and before signing the escrow / mortgage closing documents, stated that the funds would be reimbursed during the week of XX/XX/XXXX.
On XX/XX/XXXX XXXX sent us the following email communication stating that the funds would not get reimbursed until the end of XX/XX/XXXX : " As mentioned through our text communication there is a refund due of {$1800.00} to you. I had initially said it would happen this week after recording however, the due date has been changed to XX/XX/XXXX because it has come to my attention that investors are increasing occupancy audits of the files they are funding. If they find discrepancies that can not be resolved, brokers need to repay their full commission. Investors have 180 days to complete these occupancy audits.
Therefore, if I were to reimburse you and they find an occupancy discrepancy, I would have paid you to do business with me.
I have had 6 audits so far this year with no issues, but since new material has come to light, I need to be sure I will not end up in the negative.
As I know this is not what we both want, I need to be sure everything passes and there are no issues with my commissions.
Please mark your calendars and your check will be paid out promptly assuming all is in order after XX/XX/XXXX. Thank you for your understanding. '' We have since further communicated with XXXX and her position is that she will not reimburse the expenses until we move into the property Would appreciate your help!
Thank you
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| 09/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I closed on my home XX/XX/2023. United Wholesale Mortgage immediately purchased my loan after closing.
I just received an email from XXXX XXXX today, XX/XX/2023. My homeowners insurance premium has NOT been paid and Im at risk of my policy being cancelled. It was due XX/XX/2023. This is incredibly unprofessional and unacceptable.
They are stealing my money by not making this payment.
According to Florida Statute 501.137 3 ) ( a ) If the lender, as a result of neglect, fails to pay any tax or insurance premium when the tax or premium is due and there are sufficient escrow funds on deposit to pay the tax or premium, and if the property owner suffers a loss as a result of this failure, then the lender is liable for the loss ; except, however, that with respect to any loss which would otherwise have been insured, the extent of the liability shall not exceed the coverage limits of any insurance policy which has lapsed.
( b ) If the lender violates paragraph ( a ) and the premium payment is not more than 90 days overdue, the insurer shall reinstate the insurance policy, retroactive to the date of cancellation, and the lender shall reimburse the property owner for any penalty or fees imposed by the insurer and paid by the property owner for purposes of reinstating the policy.
( c ) If the lender violates paragraph ( a ) and the premium payment is more than 90 days overdue or if the insurer refuses to reinstate the insurance policy, the lender shall pay the difference between the cost of the previous insurance policy and a new, comparable insurance policy for a period of 2 years. If the lender refuses, the lender is liable for the reasonable attorneys fees and costs of the property owner for a violation of this section.
I will 100 % get my attorney involved if need to.
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| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received a letter in XXXX explaining my escrow was going to be short and my monthly payment would be increasing as a result. Then I received a letter saying I was going to have force placed insurance purchased on my behalf because of insufficient coverage. I have been trying to figure out what is going on with so so many phone calls to my mortgage company. Almost every call gets me a different explanation with little to no help to actually resolve the situation. I have been told I was being charged for a force placed flood insurance policy, that I have two different homeowners insurance policies being billed by the same company, that I do not have sufficient coverage, and that the master insurance policy for my hoa can not be applied to my account because of the property type being labeled as a single family home when it is actually a townhouse. I have spent hours and hours on hold, explaining the situation, re explaining the situation, and asking for support to have this addressed so my mortgage payment could be accurate.
To. No. Avail. I am exhausted. I am angry. My time is being wasted. I am not being respected.
Everyone on the customer service line politely tells me that after any changes are made I will be reimbursed for overpayment. At this point, I have not been able to correct the first error in the escrow account ( two different policies with the same insurance company being factored into escrow, when only one policy actually exists ) which has already increased my mortgage by almost $ XXXX/month as of XX/XX/2023. Now they are additionally threatening to increase my mortgage even more due to force placed insurance that I do not need. I have little confidence in their ability to accurately address these issues due to my experience thus far.
|
| 10/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
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UWM sold my home mortgage to XXXX XXXX XXXX XXXX which will take affect XX/XX/2022.
I am required because of their business deal to do several things at my expense of time, energy, and effort in order to help UWMXXXX XXXX XXXX XXXX XXXX XXXX their business deal which I had nothing to do with.
My Mortgage is no where near being in trouble, and yes I can provide proof. XXXX XXXX XXXX bank is requiring me to contact my home insurance company to make XXXX XXXX XXXX the XXXX. This to me is unjustifiable, and I contend not my responsibility as I had nothing to do with their UWM XXXX XXXX XXXX XXXX Bank business deal.
Further XXXX XXXX XXXX bank have no branches in my city of XXXX XXXXXXXX XXXX, so I can not fix this my going to see them. I contend that I should not be required to use my time, energy, or efforts to assist UWM and XXXX XXXX XXXX bank close their deal...
XXXX XXXX XXXX XXXX bank has promised me a welcome package which has never arrive and I have visited their web site XXXX XXXX XXXX XXXX several time without any resolution, meaning I can no longer pay my bill online, as I can not open an account with XXXX XXXX XXXX XXXX, and they are not responsive to any of my request.
Further how is any of this my responsibility? I had/have nothing to do with these XXXX companies selling mortgages to each other, et they require me to waste my time, energy, and efforts to assist them at my expense.
Further this is my second bad experience with UWM, and what I expect is a bad relationship with XXXX XXXX XXXX XXXX from the begging...
I ask for direct relief from being involved with UWMXXXX XXXX XXXX XXXX XXXX XXXX practices. I contend that at best it is unfair to involve me in their business transactions, because they are lazy.
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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United Wholesale Mortage/ Insurance : We have been dealing with an insurance situation our mortgage since XXXX of the present year, we have been incorrectly charge with a new escrow account placed it by United wholesale by mistake when we DONT NEED IT.
After several emails and phone calls XXXX United wholesale never gave me answer On XXXX XXXX at XXXX AM I sent another email with evidences/ and copy attached to : XXXX, XXXX staying that We have not one BUT TWO FLOOD POLICIES : 1-Policy XXXX 2-Policy XXXX and the all state insurance policy that we have had since we bought our property.
Since XXXX which we have sent several times this flood and the all state policies to the following email : XXXX they were never updated.
On XX/XX/2023 I also FAX the mentioned policies to the fax number XXXX with not result or answer from you and still being overcharged.
On Friday, XX/XX/2023 XXXX, XXXX XXXX XXXX without our authorization or any previous notice contact my ALL state agent requesting my invoices, an email reply was sent as follows : " Good morning XXXX and XXXX.
XXXX : I am sending this to both, because XXXX is stating that she is NOT escrowed for condo insurance. Please contact her directly to clarify, her phone # is ( XXXX ) XXXX. She has been making all the monthly installments on her condo insurance '' XXXX NEVER Replied, and went ahead on XX/XX/XXXX Created an escrow account on my mortgage which increase my mortgage payment, WE NEVER HAD AN ESCROW ACCOUNT SINCE WE BOUGHT OUR HOUSE AND WE HAVE BEEN MAKING ALL OUR INSURANCE PAYMENTS SINCE THE BEGINNING.
Please find attached all the prove of the several emails sent, the Fax sent on XX/XX/XXXX and also the mentioned flood policy Policy XXXX
|
| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
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In XXXX I contacted you about recasting my loan with a payment on {$10000.00}. It was approved so I sent you {$100000.00} as agreed. Effective date being XX/XX/2020.
I never received document downloads to sign until XXXX.
XX/XX/2020 I sent in notarized documents and {$150.00} to XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2020 I inquired if my loan had been recast as my statement did not reflect the amount agreed upon.
In response you said documents had been received but sent to another department. You lost them but are trying to find them.
XXXX XXXX I again inquired if my loan had been recast as my statement did not reflect it. In response you apologized saying you are working on it.
Giving excuses that everyone is working at home and unsure when you would find the lost documents. You suggested I sent in a copy of documents.
So I did. I again sent in documents to XXXX XXXX XXXX XXXX NJ XXXX Since sending in documents the second time I have not heard back from you. I have sent several emails and have tried to call in but you are not accepting calls.
I received back my {$150.00} check uncashed so I know you received my documents, the first set. I don't know if you received the second copy of documents.
I have seen many email requests but have been ignored.
XX/XX/XXXX I called in and was told no one in who could help me. I was told someone would call me back by a person XXXX. no one did Sent more emails no response.
XX/XX/XXXX transferred around until I was again told a supervisor would call me back since none was in by XXXX. No one called me.
sent more emails no response XX/XX/XXXX Called in again and was told a supervisor would call me. No one did.
sent more emails no response I have sent
|
| 03/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Up until recently I was in the covid forbearance program. I requested my servicer, United Wholesale Mortgage ( UWM ), to evaluate me for the streamlined flex modification since I can not afford my pre-covid monthly payment due to reduction in income. The flex modification is one of the option available for those impacted by covid-19 as per my investor, XXXX XXXX, guidelines. I have been very clear in all my communication with UWM that I need the loan modification and NOT the deferment. UWM assured me the modification is available and that they have begun the process.
In my first attempt at getting approved for the loan mod, UWM insisted that I needed to fill out a borrowers response package ( BRP ). I informed that according to the covid-19 hardship reference guide provided by XXXX XXXX this should be a streamline process which does not requires a BRP to be accepted ( XXXX XXXX XXXX ). They agreed and said they will get started on it.
Then on XX/XX/XXXX I get an email stating that they have entered me into the deferment program claiming that I requested it.
I have had several conversations with UWM since they accepted me into the wrong program and each time they say they will resolve the situation. Then when I follow up, I find that the previous employee didnt do what they said and that the deferment is still going through.
At this point, I have been lied to, hung up on by employees, and said I would be getting calls from managers with no follow through. These past few months have been absolutely frustrating and dreadful working with UWM. They have provided no single point of contact to help resolve this ongoing problem. I dont know what else to do at this point besides file a complaint.
|
| 09/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
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|
Web |
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|
I have been receiving supplemental tax bills since XX/XX/2023. After being informed by United Wholesale Mortgage ( UWM ) that I was responsible of some of these bills I immediately paid {$5600.00} out of my own pocket, even though my mortgage is impounded and money is put into escrow monthly to take care of any property tax and insurance costs. UWM informed me that the remainder of the costs would be taken out of my escrow account. On XX/XX/2023, I received another property tax bill stating that I still owed {$4500.00}, which included {$770.00} in fees and penalties. I contacted UWM again via email and phone call. They again reassured me that this will be taken care of on their part and that this situation would be moved to the Escalation Team. This repeated where an email and phone call was made every other month as I continued to receive these property tax bills, while still paying my mortgage on time. On XX/XX/XXXX, I made my 4th attempt to get this resolved and was guaranteed that the following day someone was going to contact the tax collector 's office to get this resolved and that I would receive proof of this. I did not receive any proof and on XX/XX/2023, I received a lien notice for my house due to outstanding/delinquent property taxes of {$4900.00}. I'm stuck in the middle as the mortgage company is in control of my escrow account and releasing funds, yet the tax collector is contacting me to pay the taxes. I will try AGAIN tomorrow morning to contact UWM in hopes of getting some proof of what is happening and will leave work early to try to get this resolved with the tax collector 's office myself or pay the outstanding balance in HOPES that I will get reimbursed by UWM.
|
| 07/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
On XX/XX/XXXX, we received delinquent notices on our property taxes. They are escrowed in our mortgage payments with United Wholesale Mortgage and not properly being disbursed. Our escrow account keeps getting higher because the property taxes are not being paid. After going back and forth between XXXX XXXX, United Wholesale Mortgage, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX for over a month and getting no assistance from anyone we finally determined the parcel was not split and that is the reason they did not pay the property taxes for XXXX. The mortgage company only has our home and XXXX acre and the remaining XXXX acres we own. On XX/XX/XXXX the county determined they dropped the ball and did not file the deed to split the property at closing by mistake. XXXX at the XXXX XXXX XXXX XXXX corrected the problem by splitting the parcel into two accounts and providing new invoices waiving all P & I as long as the taxes were paid by XX/XX/XXXX since it was their fault. Once I received both tax invoices from the Appraisal District and Tax Office on XX/XX/XXXX I provided UWM with the new invoices and all of the details concerning the correction and deadline to pay. I have emailed them multiple times since asking when the funds would be disbursed with no response. Today XX/XX/XXXX, we received a letter from the county 's attorney stating the taxes have still not been paid. I have been advised to contact a lawyer and also file a complaint with CFPB to make sure the taxes get paid and UWM is responsible for all penalties and interest. We need assistance making United Wholesale Mortgage pay our delinquent XXXX property taxes and penalties and interest immediately please.
|
| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I purchased a new home before selling my old home. I went through XXXX XXXX, XXXX XXXX Mortgage Advisor. He recommended XXXX XXXX XXXX as the lender because they offer a 'recast ' product which allows me to apply the proceeds of the sale of my first home, and it will lower my monthly payments as opposed to just applying it to the principal and keeping the same high payments. We closed on the new home XX/XX/19 and sold our original home XX/XX/19. On XX/XX/19, I called XXXX XXXX XXXX to start the recast process. When I called, I was told I had to email them, so I emailed them that night with all my information. This included the account number, my contact info, and how much I wanted to put on the mortgage. I received an auto reply, so never opened the email until XX/XX/19. As I scrolled down, I read they were asking for all the info I had already sent them. I replied to that email and repeated the information which was in the earlier email. I heard back on XX/XX/19, in a confidential document that I had to sign in for, only to read that they could not start the process because my loan was getting sold. I had to apply again after XX/XX/XXXX. XXXX XXXX had said the process takes 60-90 days, so now I have to wait until XX/XX/XXXXto apply again to start the process! I feel this is a scam and a way for them to keep getting high interest payments from me. I contacted XXXX at XXXX, and he contacted them to see who it is getting sold to. I'm in fear then ew company wont allow recasting! It hasnt evenbeen assigned yet, it's only in the process of getting sold. This is another reason why I dont understand why they can't allow me to recast now. Please advise asap, time is of the essence.
|
| 03/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our lender, United Wholesale Mortgage ( UWM ), has had problems from the beginning. It took nearly 3 months for them to be ready to close our loan! The night closing was scheduled, my husband and I discovered that they made a typo in our payment information, and doubled our property taxes, using the yearly rate for the half rate. After discussing the problem with our title agency and our broker that night, we decided to go ahead and close, ( this was XXXX/XXXX/XXXX ) and then just receive the refund on the escrow account once it was recalculated in XX/XX/XXXX. When I received the escrow notice last month, however, I was stunned to find that rather than including a refund check, UWM stated that we owed an additional amount due to an escrow shortage!!! Our taxes, according to the county tax auditor, are to be {$1800.00} a YEAR, and UWM was stating that we now owed something close to {$6500.00} a YEAR. When we called UWM to sort this out they informed us that they have on file that we also " own '' the XXXX adjoining parcels to our property, and thus were trying to collect taxes on them, also. They even sent a check to the county, who promptly rejected it and returned the funds to UWM ( since the rightful owner had already paid the taxes for that year ). We have been attempting to get UWM to correct this, refund our overage, and recalculate our escrow account since XXXX/XXXX/XXXX ( but remember, the original mistake goes back to XXXX/XXXX/XXXX ), and have not had any success whatsoever. You can clearly see on the title, the deed, the county map, and all corresponding paperwork that we only own a single parcel, but that has not been sufficient to please UWM, apparently.
|
| 08/17/2018 |
Yes |
|
- Trouble during payment process
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Web |
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I closed on my mortgage on XX/XX/XXXX with the first payment due XX/XX/2018. I received a call on the XXXX about the payment not having been received. I then proceeded to schedule the payment soon thereafter. I used my XXXX XXXX account to make payment on the mortgage.
Once XX/XX/XXXX payment became due, I proceeded to log into their payment portal. At that time I noticed that my required payment amount was for two payments. This immediately raised a red flag about the payment made in XX/XX/XXXX. My first thought was that the payment was not accepted by the mortgage company or that for whatever reason it was returned by my bank. Maybe an error in the processing or a transposed account number resulted in a rejected payment. That was not the case.
At that point, I proceeded to pay the ~ {$4200.00} payment covering both months. Having not received any indication from the mortgage company that anything was wrong, I thought nothing of the matter and took solace in the fact that the payment debited my account properly the following day.
On XX/XX/XXXX, I received a credit alert notification. XXXX XXXX reported my mortgage as being 30 days past due. Apparently, XXXX refused to properly apply the first payment due in XX/XX/XXXX and this had an adverse affect on my credit score.
I called XXXX and spoke to a polite gentleman that refused to help address the matter. He mentioned that the reporting needed to be effectuated as other creditors needed to have a comprehensive understanding of my ability or inability to pay my obligations.
I have attached a copy of my most recent bank statement that demonstrates my ability to meet my financial obligations.
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| 12/04/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I MISSED THE XX/XX/2022 PAYMENT BECAUSE THEY SAID THERE WAS INSUFFICIENT FUND IN MY CHECKING ACCOUNT. I PAID OVER THE PHONE AN AFTER I GAVE THEM MY ACCOUNT PAYMENT INFO, THEY SAID I WILL PROCESS YOUR PAYMENT THRU XXXX MINUTES LATER THEIR EMPLOYEE CAME BACK ON THE PHONE AND SAID " '' YOUR PAYMENT WENT THROUGH YOUR ALL GOOD NOW!!! '' '' THEN WEEKS LATER THEY TELL ME I AM LATE ON MY PAYMENT. I CALLED TOLD THEM ABOUT MY PAYMENT AND THEY SAID THAT IS NOT HOW WE WORK WE HOLD THEM PHONE PAYMENTS FOR 3 DAYS BEFORE WE TRY TO PROCESS THOSE PAYMENTS THROUGH THE BANK!! I SAID WHEN I CALLED THE PAYMENT IN THAT DAY THERE WAS PLENTY OF FUNDS IN MY ACCOUNT TO COVER MY TRANSACTION THAT DAY.!!! IN XXXX TILL PRESENT ( XXXX ), I HAVE BEEN SENDING THEM PAYMENTS OF XXXX OR XXXX EVERY MONTH WITH INSTRUCTINGS TO CREDIT EACH MONTHS DUE PAYMENT AND CREDIT THE EXCESS TOWARDS MY MISSED XXXX PAYMENT!!! I DID THIS EACH MONTH WITH WRITTEN INSTRUCTIONS AS TO HOW TO APPLY EACH MONTHS OVER PAYMENTS. THEY JUST TOLD ME THEY TOOK ALL MY PAYMENTS AND APPLIED THEM TO THE MONTH BEFORE AND CHARGED ME LATE PAYMENTS FOR EVERY MONTH AS THEY SAID THAT IS HOW THEY DUE THINGS AND JUST IGNORED MY WRITTEN INSTRUCTIONS AS HOW TO APPLY MY FUNDS I SENT IN... THERE TACTICS THEY NEVER TOLD ME ABOUT TILL NOW MADE ME TOTALLY UNAWARE OF WHAT WAS HAPPENING ALL THIS TIME WHILE THEY WERE JUST LINNING THEIR POCKET WITH LATE FEES WHICH IN MY OPINION WERE OUTRIGHT EMBEZELMENT BY OVER CHARING ME... I BELIEVE I HAVE A LEGAL RIGHT TO DIRECT ANY BUSINESS I SEND MONEY TO AS TO HOW I WANT THOSE FUNDS DISTRIBUTED IN MY ACCOUNT. MY MONEY MY DECISION ALL MY MONEY IS TOTALLY UNDER MY CONTROL NOT BUSINESSES I DEAL XXXX!!!!
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| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am in dispute in the amount of {$1500.00}. In XXXX I made two payments by mistake, so I called the company and they said they do not refund payments so one of the payments will go for the XXXX payment. I was fine with that. Then in XXXX my Bank sent a payment through Bill payment when I saw the funds were release I immediatly called my Bank XXXX and they said that they couldnt reverse the payment that I had to wait until it processed. I called United Whosesale Mortgage and they said that they hadnt gotten the payment to go back to XXXX in turned XXXX told me to go back the United Wholesale Mortgage and then United Wholesale Mortgage said wait to the post it and then call back. I did everything that they asked. I was told in XXXX XXXX that they would indeed refund the payment. XX/XX/2021 I called back because the funds had not caome and I was told that the papercheck was issued XXXX XXXX. I was told to wait a week and if I didnt receive the check to call back. I called back on XXXX XXXX and was told that the mail was late and give it to XXXX of next week to call back and they will escalate the complaint and give me other options. I told them that I need that payment to make the XXXX note that I couldnt afford any late charges on my account or credit. I told them that I can not afford to make another payment while waiting for them to refund me the payment. I told them I would not be making a payment for XXXX because I believe that they should put a stop payment on the so called paper check they say they sent and apply it to my account {$1500.00}. I dont care long this take and if it is not resolved in XX/XX/XXXX then I will only pay for XXXX payment.
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| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX, received a penalty from the county for unpaid property taxes despite the fact I had been making monthly escrow payments with my mortgage through United Wholesale Mortgage. I requested that they pay the property taxes ( {$6400.00} ) with my escrow balance, and that they take responsibility for the penalty ( {$650.00} ) as is required when escrow fails to pay taxes. Since they did not respond to my request in a timely manner, I paid the taxes myself to avoid additional penalties and notified them to disregard the original message. A couple days after, they paid the taxes and penalty out of my escrow account despite my notice to cancel.
I called the county for a refund due to the double payment and they obliged. After reviewing it, the county sent the refund of {$7100.00} on XX/XX/XXXX and provided a warrant number to track the deposit. However, the refund was sent to the escrow bank account rather than mine. I then called UWM to track down the refund and send it to me.
Between XX/XX/XXXX to current date, I called them 8 times to follow up on the status of the refund. Each time I called, a customer service representative told me that they have been unable to locate the refund despite the fact that I provided the exact warrant number from the county. They said that someone would look into it and that I should call back in a couple weeks. In the 3 months that I have been following up, no one from United Wholesale Mortgage has looked into the issue or made any progress. As of today ( XX/XX/XXXX ), United Wholesale Mortgage has sold my loan to another financial institution and is claiming that it is the responsibility of the new loan servicer.
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| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced with United Whole sale Mortgage ( UWM ) in XX/XX/2021. Since I refinanced my mortgage with UWM I have never received a mortgage monthly statement from this company. I have called several times, repeated requesting UWM to mail my mortgage statement prior to due date of payment but they have not done so. As I file this complaint, XXXX has still not mailed a copy of my mortgage statement for month of XX/XX/2021.
Sometime in XX/XX/2021, I saw in increase in my mortgage from UWM by {$10.00}. When I called to speak to a customer service agent they started giving me a runaround. In two occasions, I spoke with two females agents who did this to me. Another time, I spoke with a gentle who apologized for this mistake but rerouted me to an answering machine and never sent the email or mail the mortgage statement to my home address.
On XX/XX/2021 I sent email to UWM to mail my mortgage statement to my home address. This is the last time I'm making this request. That if I don't hear from UWM within 10 business days, I will pursue the next line of action.
UWM is violating the law by not mailing mortgage statement to customers home address. What if I don't have internet, I will not be able to pay my mortgage.
The I deserve the right to have my mortgage statement mailed to my home address, just like my bank statement and other bills.
The United States Postal Service ( USPS ) was established in the Constitution with Congressional approval. Email will not replace the USPS and is not a substitute for mailing mortgage statements unless the homeowner specifically gives consent in writing and signed up for online deliver which I did not.
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| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since loans inception ( XXXX ), an erroneous filing of multiple parcels associated to this property has made my taxes to have been paid incorrectly. I have made 20+ phone calls to the lender regarding a significant error resulting in over {$10000.00} dollars of escrow shortage of which the lender has not rectified and is continuing to charge me monthly for their error. They have doubled my mortgage payment for the past 9 months. I spoke to a customer rep who told me that they paid a {$6000.00} tax bill in XXXX of XXXX through my escrow and a third party billing company ( XXXX ) and was told to ask the auditor why it does not show as a credit to the property. Firstly, my property taxes for this home is {$1200.00} a half due and paid XXXX and XXXX so an XXXX payment is a huge red flag alone as well as the excessively large amount sent that was supposedly requested by the auditor. I have been in constant communication with the auditor who is just as confused as i am. I own several properties in this county and she researched all of my properties and has not seen any credit or payment received as stated by UWM for any of them. There has been ZERO communication from UWM to me regarding my multiple requests for further investigation and remedy. Every time i call UWM, I have to explain my situation to the rep and have been told that UWM did their own investigation and closed my request for expedited intervention,. No call or email or hard copy acknowledgement has been received by me from them. Every time i call I have to start over again. I have been trying to rectiy this sitatuion with them for over a year now. This all began XX/XX/XXXX.
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| 05/14/2021 |
Yes |
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- Trouble during payment process
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Web |
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We purchased the house in XX/XX/XXXX, United Wholesale Mortgage ( UWM ) was our loan servicer. UWM erroneously paid my next door neighbors property taxes along with mine out of my escrow account, twice. My loan was sold to XXXX in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX sent me an annual escrow account disclosure statement saying there is a shortfall in my escrow account and my new mortgage payment was increasing $ XXXX a month as of XX/XX/XXXX. Obviously that got my attention and after reviewing the statement I noticed the multiple property tax payments. I only have one XXXX at my property. I started communication with both XXXX and UWM in XXXX of XXXX regarding this error, always getting a different customer service rep that is sympathetic but not able to get anything done. Finally in XXXX of XXXX I was able to get one of the payments back into my escrow account. The remaining XX/XX/XXXX payment was made in a large wire and can only be lifted off from the people who paid it, UWM/XXXX I can't get them to do it. To be clear, in your questions you asked if I'm behind in my mortgage payments, I answered yes because that's what XXXX is showing but I make my agreed upon monthly payment on time every month and have never even been late, I just refuse to pay extra because UWM made a mistake. In XX/XX/XXXX XXXX reported us to the credit agencies as being past due which caused our credit score to drop over a XXXX points! Now we're getting foreclosure threatening letters. I need help to get through this corporate world so that someone will listen to me and fix this nightmare that's been going on for almost a year! I hope you can help. Thank you.
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| 04/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I utilize the XXXX bill payment service to pay my mortgage with United Wholesale Mortgage. I schedule my payment to be made on the XX/XX/XXXX of the month. Payments are considered late if not received by the XX/XX/XXXX of the month per UWM. UWM keeps charging me a late fee for payments received after the XX/XX/XXXX. I question whether they are using the date they receive the check to credit my account. I suspect they use the date they process the check as the payment date. This breaks Reg Z requirements. I have asked for proof of when they actually received my check and they only send me a printout when the check was processed to the account. When I worked at a mutual fund company, all checks had to be time stamped when they were received so they were processed on the correct day. All in all this causes me a {$95.00} late fee each time it happens. Furthermore, XXXX debits my account on the XX/XX/XXXX when the payment is not credited until the XX/XX/XXXX by UWM. There are 5 days of float that my funds are held hostage??? Sure I can send payment earlier, but I ca n't understand how this is a fair business practice. I am looking for UWM to be held accountable. If then can prove the checks are being received after the due date, then I just have an issue with XXXX debiting funds earlier than the check clears. If they are unable to prove when the checks are being received, then I question all of my late fees and how UWM conducts business. Checks are sent to a PO box , so when the mail is delivered to the PO box , the check is received! Thanks, XXXX P.S. No sympathy from UWM or XXXX. Just the way the process works. I am calling them out.
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| 02/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased my home XXXX of XXXX. I immediately requested removal of our XXXX XX/XX/XXXX. I was advised in writing my loan must season to 24 months before they will even discuss pmi removal, so I was told XX/XX/XXXX was when I could again request removal in writing, which I did on XXXX. I was told based on original value it was declined but I could pay for an appraiser ( {$550.00} ) through XXXX and my loan had to be less than 75 % off the value. My home appraised for $ XXXX. I owe $ XXXX. I waited a week from appraisal to follow up and was told yes I met the minimum but they wanted to review further. I waited another week, same response always telling me it could take 30 days to respond. My home is well under the % required. Every time I email Im told it could take 30 days to respond, what takes 30 days? Ive met all of the requirements presented to me and do not feel it is a fair practice to continually stretch this out 30 days at a time. I paid my full payment today including pmi, and should not have to continue to pay this again when the appraisal was completed on XX/XX/XXXX with them confirming receipt and value on XX/XX/XXXX. Please help me get this task accomplished! I have never missed a payment on my mortgage. This seems like an unfair practice being Ive met the requirements as presented and then they add theres now more approvals? More approvals for what? I have requested a copy of these extra approval steps/requirements, as I was not made aware there would be a secondary approval needed that could take another 30 days. It appears we are keeping this dragging on so the money keeps being collected!
Thank you XXXX
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| 01/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is against United Wholesale Mortgage ( UHM ) regarding a recent refinance with them. Our prior bank was XXXX XXXX XXXX Due to errors in UHM 's closing documents, we ended up having to sign two times. Once on XX/XX/2021 and the second time XX/XX/2021. The main complaint is UHM has in it's records that the loan closed and funded on the original signing XX/XX/XXXX, which did not happen. The problem with this is we are being charged for five weeks of interest that we did not incur. ( This is the time period between when we originally signed XX/XX/XXXX and the subsequent signing XX/XX/XXXX that did record and fund ) We originally signed our loan documents on XX/XX/XXXX but this loan never closed. This was caused by a mistake on the deed. Our middle names were omitted from the notarized document and did not match the deed. The title company was unable to record the deed because of this. At this point the loan died, ie : ( The money was never disbursed and sent back to UHM. We then had to start the whole process over with our loan broker ). The 750K that UHM wired to the title company in early XXXX was returned back to them.
I have been trying to resolve this issue since XX/XX/2021. I sent UHM a letter on XX/XX/XXXX with the correct signing. Prior to that I sent UHM four inquiries as to when this issue would be resolved. I called them today and was told that the loan start date is correct and if I have a problem with that I should reach out to the tittle company and or my loan broker. I reached out to both of them in late XXXX and to date, nothing has been resolved.
Will you please help me get this resolved?
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| 09/01/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We purchased our house in XX/XX/XXXX. We have been using United wholesale mortgage for that purchase. Since that time they have not been able to correctly process any of our mortgage payments. Originally we tried paying our mortgage by monthly so that we could have the advantage of having a 13th payment each year. Instead of 12 traditional months. However the company could not process by monthly payments. Every month they would tell us that we had defaulted every month they would send us collection letters even though we were paying before our payment date and paying every two weeks. So back in in XX/XX/XXXX we switched back to full mortgage payments hoping it would alleviate the problem. We just received another letter saying we are again in default and that they have not been able to apply our last two full months payments. XXXX bank has records that we make our payments on time electronically every month. However it appears that United wholesale mortgage can not account properly for monies received. Furthermore we do not trust that we are getting the credit towards our actual loan amount that we deserve for all the extra payments we have been making. there are countless reversals in our account and a third account named unapplied funds which our payments somehow kept getting put into. We would appreciate any help in trying to remedy this issue as we do not trust this mortgage company and we do not know how to have them audited to ensure that they are applying the funds that we pay on time every month to our mortgage. We have never missed a payment. In fact we should be at least one month ahead.
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| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We requested a payoff statement from United Wholesale Mortage in XXXX. Multiple versions were completed to account for a large payment made on XX/XX/2023, after multiple phone calls to credit the payment correctly. The principal payment was placed in suspense and not applied to the principal as required by law and our agreement. Two supervisors from UWM told me that making a large principal payment will not reduce the interest payments, so I did not need to worry about when the principal payment was applied. My mortgage broker was also on the line when one of these false statements was made.
On XX/XX/2023, we received a payoff statement with the large payment applied correctly, but the balance of our temporary buydown suspense was not applied as required in our agreement. I called UWM and notified them of the error on XX/XX/2023, and was told a correct payoff statement would be sent by XX/XX/2023. On XX/XX/2023, I called UWM again and informed them we have not received a correct payoff statement and was told it should have been completed and would be completed on XX/XX/2023. We have still not received a correct payoff statement.
The UWM supervisor I spoke to on XX/XX/2023, stated we would have to call and make an additional request from the special products group to receive a correct final payoff statement before we close on our refinancing. We should not have to make multiple phone calls and wait weeks to have a correct payoff statement for refinancing. UWM continually makes mistakes that benefit UWM including false payoff amounts and attempting to hold a large principal payment in suspense.
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| 05/17/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I submitted all of my documents to United Wholesale Mortgage for my VA loan modification on XX/XX/2023. Then on XX/XX/2023 I was told that I needed more information to upload to satisfy the underwriting requirements. On XX/XX/2023, I was told that they were not able to open a single document and told me to upload them again. I even was told to email them to ensure they were received. They put me on hold and was speaking with someone and once they got back on the line, they assured me that they were able to open each document and view them and I should be good to go from there. They stated that they escalated the issue to upper management and it should take 3 to 5 business days to resolve. Then on XX/XX/2023, they rejected the documents stating they were not able to open any of the documents, but when I spoke to someone just two days earlier, they assured me that they were able to open each document.. I uploaded them again and were able to open each document on the website after I uploaded them. They asked me to make sure they were in PDF format.
on XX/XX/2023, I spoke with someone and they said that it should be resolved that day.
I would get letters stating that I have submitted all of my documentation and it has gone to underwriting. I received over 5 of these letters. On XX/XX/2023, I spoke with another person who stated she was not able to open any of the documents. She then spoke to someone in another department and was told that they were able to open the documents. At this point, I have no confidence that they want to help, and are intentionally not approving my modification on purpose.
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| 02/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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This is a follow up to complaint XXXX. The short story is we had our house burn down on property related to loan XXXX ( XXXX XXXX XXXX XXXX ) and received a full dwelling payment of around $ XXXX. The check was in UWM name and myself and my wifes so we sent it to UWM in XX/XX/2020. By XX/XX/XXXX the loan showed as paid off, which means they cashed the check. The loan was for around $ XXXX, and therefore we are due the equity of the difference which is $ XXXX. They've had multiple processing issues, incorrect address, stop payments etc. Long story short is it's 3 months after I sent the check and we have not seen our equity check of $ XXXX. Every time we call or email we are told " it's in the mail '' or " it will be overnighted this week '' or whatever the lie is that day by whichever incompetent employee happens to answer the phone.
The company responded to our previous complaint and sent a {$25.00} gift card, which funny enough got to us before our $ XXXX. A true slap in the face. I emailed a lawyer tonight. The most recent correspondence from a manager named XXXX via email said it was in the mail on XX/XX/XXXX. However it's now 8 business days past that, I've never seen mail take that long. I have reason to believe they are lying, as they fail to show any proof that the check is in the mail.
We NEED our money. We have severe emotional and financial stress from teh delay of this company. And all you need to know is on their XXXX page. Endless reviews of incompetence and horrible customer service. STAY AWAY FROM UWM at all costs!! I'd rather pay a % higher than deal with these scam artists.
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| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear XXXX, In the Lender Letter ( XXXX ) addressed to : All XXXX XXXX XXXX XXXX XXXX ( please see attached letter ), Updated, XX/XX/2022XXXX XXXX XXXX XXXX my loan investor ) clearly states on page XXXX of XXXX quote : Performing an escrow analysis for a XXXX payment deferral Updated XX/XX/2022 : If the servicer identifies an escrow shortage as a result of an escrow analysis in connection with Covid 19 payment deferral the servicer must spread repayment of the escrow shortage amount in equal monthly payments over a term of XXXX months, unless the borrower decides to pay the shortage amount up-front or over a shorter period, notless than XXXX months. Any subsequent escrow shortage that may be identified in the next annual analysis cycle must be spread out over either the remaining term of the initial escrow shortage repayment period or another period of up to XXXX months.
XXXX XXXX clearly states that any shortage identified can be paid in XXXX months.
United Wholesale Mortgage, through they subservicer XXXX XXXX ( under the Cease and Desist order issued by Office of the Comptroller of the Currency ), is trying to charge my Escrow Account shortage in a period of XXXX months not XXXX months. ( please see attached ). Moreover, the amount of shortage they have identified through a wrongful Escrow Analysis is inflated. ( will be addressed in a separate complaint ).
Please act accordingly and enforce XXXX XXXX guidelines .My shortage should be spread on a period of XXXX months not XXXX.
My loan was modified with the help of XXXX XXXX due to XXXX XXXX and payments were deffeared.
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| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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UWM has a policy that if two auto-payment drafts are NSF within 12 months, they turn off auto-pay on your account.
On XX/XX/XXXX there was a NSF that was not legitimate as there was money in the account. I contacted UWM, who stated I needed a Qualified Written Request, bank statements, and a letter from a bank. I got all that and sent it to them on XX/XX/22. An employee told me that UWM would have 30 days to approve or deny my request. I sent multiple messages on their message center and made several phone calls but everyone I spoke to told me they couldn't do anything about the situation and it was all up to the drafting department, which " doesn't have a phone. '' Anticipating the lack of help from UWM, I mailed a check certified with USPS on XX/XX/22. I ran the tracking number several times and it appears it was not sent properly. I called USPS and they said they are only able to look it up by the tracking number, which does not come back with anything. I will go to the post office tomorrow to send another check ( they use a XXXX XXXX so checks can only be sent USPS ) Today, XX/XX/22 I got a reply saying that they couldn't open my documents. I resent them all on the website.
I have the money to pay my mortgage. I am extremely frustrated with trying to get the money to UWM and I can't talk to anyone who can do anything about getting auto-pay turned back on. Please help.
I'm sorry for submitting a complaint about this, I'm sure other people have way worse things going on that they need help with. I'm not usually a complainer. I really appreciate anything you can do to help.
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| 11/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PLEASE TREAT THIS COMPLAINT AS DIFFERENT THAN ALL OTHER COMPLAINTS I MADE : this complaint is in regards HIDING INFORMATION FROM THE ONLINE SYSTEM. Please see ATTACHED EVIDENCE.
United Wholesale Mortgage is hiding important information.
United Wholesale Mortgage did not apply important information to the online system with the purpose of overcharging my account.
The 2 very important letters they have disclosed on CFPB website, ( meant to notify me ) ARE MISSING FROM THE ONLINE SYSTEM.
These are the same 2 VERY IMPORTANT LETTERS ( which I didn't receive ) that were supposed to protect my rights against abusevily charged Lender Placed Insurance.
UNITED WHOLESALE MORTGAGE is using deceiving practices to overcharge my Escrow Account.
If these 2 letters ( dated XX/XX/2022 and XX/XX/2022 ) were ever disclosed to me I could have protected myself against the abusevily charge on my account regarding Forced Placed Insurance.
UNITED WHOLESALE MORTGAGE WAVED ALL MY RIGHTS by NOT APPLYING EXACTLY THESE 2 IMPORTANT LETTERS to THE ONLINE SYSTEM.
NOT EVEN A SINGLE EFFORT WAS MADE TO NOTIFY ME BEFORE THEY PURCHASED LENDER PLACED INSURANCE.
Dear Director from CFPB, please have a supervisor investigate this issue.
United Wholesale Mortgage is using deceiving practices to avoid to answer my complaints such as but not limited to : 1. ATTACHING HERE ( ON CFPB website ) tens of pages UNRELATED with the issue and they BYPASS/game the system without answering.
OR They mark the COMPLAINT as similar.
This is NOT A SIMILAR COMPLAINT.
This complaint is about HIDDEN INFORMATION.
Please help!
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| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Back on XX/XX/XXXX I filed a complaint through CFPB : XXXX. The Mortgage company is United Wholesale Mortgage ( UWM ) and the loan # is XXXX XXXX XXXX XXXX. The complaint was closed and I thought that the problem was resolved, but it wasn't.
In XX/XX/XXXX, I was enrolled in a forebarence plan for 3 month because I had a hardship, I was making less money at my job and I struggled with my finances. Then the forbearance was extended 3 more months, and someone at UWM without my authorization ended my forbearance 5 months after XXXX, that meant that I needed to pay 5 months of missed payments and I needed to pay XXXX 's bill ( payment 6 ). With the help of CFPD, they extended the forbearance for 7 more months, a total of 12 months, from XX/XX/XXXX through XX/XX/XXXX, so that was great. But now after speaking with them to make next month 's payment XXXX XXXX, XXXX ) the want me to also pay a little more than {$22000.00} for the missed payments from XX/XX/XXXX through XX/XX/XXXX. I asked them to deferred the 7 missed payments because I don't have that money now, and they told me that they can't do it because they can only do a deferment once. They should defer the 7 missed payments because it was their mistake, they were the one that terminated the forbearance after only 5 months and deferred the first 5 missed payments. I asked to speak to someone that could fine a solution to the problem, and they made me write a email, because they don't accept phone calls, but no one has reached out to me yet.
I have attached all the information that UWM sent to close the first complaint.
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| 11/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear Director of Consumer Financial Protection Bureau, I am writing you regarding the deceiving practices manifested by United Wholesale Mortgage.
UWM is BYPASSING you and they TAKE ADVANTAGE OF ME.
United Wholesale Mortgage DOESN'T ANSWER the COMPLAINTS Take for instance the complaint XXXX.
They falsely pretended to respond by adding to their response tens of pages UNRELATED with the issue. ( none of the pages is relevant to the complaint ).
This manipulates your website ( CFPB ) and also BYPASS a legal requirement to respond in 60 days, because in fact they never answered.
I am addressing this concern since it already happened 2 times to me with my previous complaints.
I believe your role is to protects us as consumers, but UWM practices creates so many " entreprenurial '' misleading to BYPASS YOU and to hide the overcharges and violations.
I repeat : THEY MAKE IT LOOK LIKE THEY ANSWER but in reality THEY ATTACHED TENS OF PAGES UNRELATED WITH THE ANSWER because they can BYPASS YOU and AVOID to CORRECT THE ABUSE AGAINST ME.
Please read carefully the COMPLAINTXXXX AND PLEASE READ CAREFULLY THE ANSWER.
They BYPASS you and they make you CLOSE THE COMPLAINTS without actually answering.
This creates lots of injuries to me as a consumer. If they BYPASS TO ANSWER HERE, ON CFPB website, can you imagine how much they VIOLATE RESPA on other circumstances and avoiding to answer or to correct the abuse?
This means I remained injured and this system is BYPASSED AND COUNTERPRODUCTIVE. please help! Please look into this situation, this company acted very dishonest.
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| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I submitted an application with United Wholesale Mortgage for a loan assumption resulting from a divorce in XXXX. They received it XX/XX/XXXX. Their paperwork said the process should take 45 days. After almost two months of hearing nothing, I began calling. I also emailed the assumptions department, and never heard a response. Their loan assumption department is not directly reachable by phone, even by their customer service representatives. I was told I would receive a call back from the assumptions department with two or so business days around 6 times. I never did. In XXXX, I finally received a packet from the department, requesting more documents, signing of new disclosures, checking a box or two I had missed on the initial application. Many of the documents, such as w-2s, were repeats from XXXX but they had expired due to how long it had taken. I sent that back on XX/XX/XXXX. Again, I have heard nothing. Again, I have called countless times. After many such calls, a manager emailed the assumptions department and got a response on XX/XX/XXXX saying they needed some original documents I had not sent in. This doesn't make sense given the documents requested. They had no more specific information and said the assumptions department would call me in order to tell me what needed to be provided. I have not received any communication. I have a low interest rate so assume that they would prefer not to push this forward. I have a divorce decree that I will soon be in violation of because this process has taken significantly longer than the company said it would.
|
| 10/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
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United Wholesale Mortgage ( UWM ) refuses to give me documentation on a refinance loan that was done around XX/XX/2012. After my divorce ( with the divorce decree specifically stating that my ex retains the homes and all financial encumberances ), and the quit claim deed, UWM still refuses to take me off the loan.
I understand that my ex-husband is in contempt of court by not assuming the loan or refinancing.
That said, UWM modified the loan without my knowledge or consent ( taking my income into account, I 'm told ), which is FRAUD. They also refuse to give me any documentation on a loan that I 'm still responsible for! I have a legal right to this information. I do n't care if they do n't like me or think that I 'm the one to blame for the missed payments ( P.S. I 'm not. I transferred money into my ex-husband 's account each month for the mortgage until I left. I paid for all of it. Now that I 'm not around, it does n't surprise me that he 's having trouble. ) Anyhow, I have a RIGHT to this information. I am XXXX % co-borrower on this loan. I have a right to all documentation regarding the loan. I also have a right to know about any changes ( like modifications ). All I asked is that they remove the notations about foreclosure from my credit ( XXXX, XXXX, XXXX ), and I would n't pursue charges. But it looks like that 's not going to happen now.
What they 're doing is illegal. The fact that they wo n't communicate with me about a loan which I 'm XXXX % responsible for is illegal. Doing a modification without my consent or knowledge, is illegal.
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| 05/04/2023 |
Yes |
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- Trouble during payment process
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Web |
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I requested a loan payoff in XX/XX/XXXX. Once received I sent it off usps certified mail with a negotiable instrument for the total amount needed to satisfy the balance due on the account. I can upload the proof of delivery. A few days after it was delivered, I followed up on a call to verify if the account was settled with United Wholesale Mortgage the servicer to my mortgage. The agent stated to me they could not find anything in the system showing receiving of any tender of payment. I waited a few weeks to see if it would turn up and it has not. I then ordered another payoff and sent in another instrument for the total payoff. I have the proof of delivery which i can upload. The agent at United Wholesale Mortgage ( servicer ) once again stated it they could not find the payoff and the instrument.
31 CFR 596.307 - Monetary instruments.
596.307 Monetary instruments.
The term monetary instruments shall have the meaning set forth in 18 U.S.C. 1956 ( c ) ( 5 ), as from time to time amended. As of the effective date, this term includes coin or currency of the United States or of any other country, travelers ' checks, personal checks, bank checks, and money orders, or investment securities or negotiable instruments, in bearer form or otherwise in such form that title thereto passes upon delivery.
15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :.
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| 10/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
|
United Wholesale Mortgage has mishandled the money in my impound account.
The defaulted on my rental property insurance policy payment causing the insurance policy to be cancelled.
The insurance policy went for 6 months without payment.
I had insurmountable trouble getting this resolved with UWM including being lied to, hung up on, and disconnected.
I finally contacted my mortgage broker and he got an email address for me that someone answered.
In the emails, I was lied to several more times including blaming my insurance company, and promising to overnight payment. I realized that they were stalling and double talking me.
I was also messaged from them in my secure message center (??!! ) ( no direct contact to me ) that they were increasing my impound account due to a shortfall!
My insurance broker informed me that my insurer, XXXX, would no longer insure the property due to the 6 months of default but my broker found another company who would take the policy.
I immediately paid for the new policy out of pocket since my property had not been insured for 6 months ( unbeknownst to me ) and I can not trust UWM.
It has been over 24 hours since I have had any correspondence from UWM and I am pretty sure that no one is going to contact me again to resolve this.
I would never be late on my payments but they were late and they took money from me with the promise to pay!
Besides the fact that no one will talk to me on the phone and my emails are unanswered, I can no longer access my secure message center in order to download the proof I need.
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| 06/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I had a loan with United Wholesale Mortgage on an investment property. The property taxes were due in XX/XX/XXXX, and our loan was sold and transferred to a new servicer in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I received a delinquent property tax bill from the county stating the XXXX taxes were never paid. I have contacted UWM several times to try and work out the issue and determine if it was a mistake on their end or on the county 's end. Each time, I am told I can not speak to anyone directly, but that a work order was be placed and I will be emailed the necessary documentation within 3-5 business days the first 2 times I called, and then 10 business days the last time I called them today, XX/XX/XXXX. I have never received a response or email or any kind of documentation from them following the placement of the work order. The county continues to charge monthly interest on the delinquent property taxes, which has grown from originally over {$1900.00} due to over {$3500.00} due. 1 % penalty will be added the first of every month by the county, and there is a lien now placed on the property as well. I also mailed the delinquent property tax notice to their tax department several weeks ago and have not received a response. I need someone at UWM to rectify this situation immediately, by either paying the outstanding property taxes ASAP or providing me the necessary documentation showing the check number or wire confirmation for the property tax payment. The property is now for sale and this may delay our closing scheduled for XX/XX/XXXX.
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| 10/19/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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RE : loan number XXXX This letter is to dispute the credit bureau notification that occurred on our mortgage account in XXXX, XXXX for 180 days late and then again in XXXX, XXXX for 60 days late. We thought we were in forbearance and then learned we were denied the home modification but were told that we were still able to get into another resolution and paperwork was mailed out to us again for another option. However, we were unable to get into a workout solution until XX/XX/XXXX. Payments for XXXX, XXXX and XXXX we were under the impression that they were in forbearance and we came to learn they were not in XXXX and then were reported as late. Please consider our request to remove the negative credit reporting as we attempted over many months to make calls/inquiries to find another work out solution. We did not understand that this negative credit report was occurring as we were doing our best to reapply for another option. None of this would have happened, had we not been furloughed during the pandemic. I have been undergoing XXXX XXXX XXXX and have tried my best to follow up on the documents, attempting to make regular calls to UWM to understand my options. Since our credit has plummeted after these reports, we are concerned for our financial future. When we disputed these reports with the individual credit bureaus the outcome notified us to contact UWM directly to discuss this situation. We are XXXX XXXX workers who were furloughed and thankfully we are working again but the impact of the negative credit reporting has been devastating.
|
| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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Hello- I am a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the Veterans Benefit Administration or the " VA. '' Because of this in the state of Illinois XXXX I am eligible for the Veterans with XXXX Property Tax Exemption XXXX Per the law, we waited for one year after purchasing our home to file for this, which we were approved and have begin receiving tax statements indicating {$0.00} balances for XXXX & XXXX.
We have been working very diligently with our mortgage company, United Wholesale Mortgage ( UWM ) in removing the taxes from our mortgage payment since XX/XX/XXXX, which was nearly ONE YEAR since we closed on the mortgage. I have corresponded via MANY emails through their website, I have spoken to multiple representatives, provided documentation many times to multiple individuals and even spoken to someone in the resolution department. My property has been assessed by UWM multiple times, our payments have been reduced and we received the balance in the form of a check. However, our taxes have not been removed despite following the directions provided by UWM representatives such as submitting a formal request to have taxes removed with a " wet signed '' signature, copies of our tax bills reflecting a {$0.00} balance and waiting for such documents to be processed. Needless to say, we have gotten nowhere despite all of our efforts to have the taxes removed.
I would like to file a complaint against UWM for not having our taxes removed from our mortgage. Please find the documentation attached XXXX XXXX XXXX
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| 06/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XX/XX/XXXX, our property tax was incorrectly assessed at a rate of 6 % instead of 4 % and an escrow payment was made through our mortgage company ( United Wholesale Mortgage ) at the incorrect 6 % rate. We had this issue resolved in late XX/XX/XXXX through the XXXX XXXX Auditor 's Office, and in XX/XX/XXXX a check was sent to United Wholesale Mortgage to cover the difference between the 6 % and 4 % assessment rates ( approximately {$5400.00} ). During this process, our mortgage loan was transferred to a new company ( XXXX XXXX ). The check provided to United Wholesale Mortgage to cover the difference of the incorrect property tax payment was not transferred with our loan, so an escrow shortage is showing up under our new loan provider. As of XX/XX/XXXX, we show an escrow shortage of {$5200.00} and are paying approximately {$400.00} more per month in our mortgage payment to cover the difference. Over the last 6 months, my husband has spent countless hours on the phone with United Wholesale Mortgage to get this issue resolved. United Wholesale Mortgage has acknowledged that they received the check from the XXXX XXXX Auditor 's office, but they can not provide any sort of documentation that the money was forwarded to XXXX XXXX. As of right now, United Wholesale will not release a check to XXXX XXXX and we continue to pay out-of-pocket for the escrow shortage that should not exist. I have attached a copy of our corrected property tax bill ( assessed at the 4 % rate ), as well as a statement indicating our current escrow shortage.
|
| 09/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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The UWM charged me for two payoff requests which I didn't make ( {$60.00} ). I've been in contact with their representatives via calls and messages multiple times to investigate the source of the charge and dispute the charge.
The representative stated that the requests were made on XX/XX/XXXX and XX/XX/XXXX by a phone number associated with XXXX XXXX with which I had no business relationship ever. I was never notified about the requests and charges by UWM until I noticed it myself recently on my statement ( XX/XX/XXXX ). I have looked through the text, phone calls, emails, letters and documentation in UWM online portal but could not find any notification for these unauthorized activities. That's why these activities weren't discovered for over a year. Furthermore, I was informed by their representative that UWM 's Automated Payoff System can process a payoff request with basic loan information, and there is no way to restrict non-borrowers from submitting a request. Therefore, there is no way for me to restrict unauthorized individuals/companies from submitting the request on my behalf, avoid any associated costs and prevent something like this from happening again.
UWM didn't approve my dispute request. I was treated unfairly due to how their system was set up, their failure to verify the identity of the requestor, and their failure to notify the borrower in a timely manner about the changes and their failure to protect consumers from future similar fraudulent activities while being informed of the flaw in their system.
|
| 02/15/2023 |
Yes |
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- Trouble during payment process
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Web |
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On or about XX/XX/XXXX, I was notified by United Wholesale Mortgage ( UWM ) that my mortgage payment was late and incurred a fee. However, I noticed UWM mis-applied a partial payment instead of crediting it to the next monthly payment. I spoke with a customer service agent who assured me the issue wouldbe resolved.
In XXXX, I noticed I was still being told I had a late payment and charged another fee. I called again, and the customer agent assured me the issue woudl be resolved and " these things take time. '' I waited.
Then I noticed in XX/XX/XXXX, the issue is still not resolved so I emailed the company thru their portal who said the issue woudl be resolved within 7-10 business days. I subsequently received a letter stating UWM was looking into the issue, but then I recieved a voicemail from UWM yesterday ( XX/XX/XXXX ) stating my mortgage was late and another late fee was applied.
I called today ( XX/XX/XXXX ) and the agent said she would put in a ticket to solve the problem. However, I told her that I have already had at least 3 other contacts with the company beginnign in XX/XX/XXXX. She did not have an answer.
I have documentation from my checking account that I paid over the amount for each month. I start making partial payments for the next month beginning after the XXXX each month ( since the billing cycle runs thru the XXXX ). The customer service Agent i spoke to in XX/XX/XXXX told me she would make a note in the file to ensure any payments made after the XXXX would be applied to the following month.
|
| 05/02/2023 |
Yes |
|
- Trouble during payment process
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|
Web |
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Hello loan number XXXX I made my XXXX mortgage payment of {$2000.00} as United Wholesale mortgage portal stated in the amount of {$2000.00}. on XX/XX/2023.
I received a letter on XX/XX/2023 stating my XXXX payment is being held in suspense due to and amount due of {$770.00}. I was not made aware of this {$770.00} until I called and spoke to Customer service on XX/XX/2023. This is a problem for me because it looks like i have not paid my mortgage ON TIME!.
The reason my Mortgage statement balance was only showing XXXX for the month of XXXX XXXX was due to a NYHAF remaining credit from XX/XX/2023.
If not for the credit from NYHAF for {$860.00} The original XXXX payment would have been {$2900.00}, but with the credit of {$860.00} from NYHAF brought the payment to {$2000.00}.
I am also due a credit of {$1300.00} from NYHAF this wire was sent to UWM on XX/XX/2023. UWM is aware of this and will post once they locate the payment I am told.
All I want at this time is not have to pay an additional {$770.00} to UWM- when I was NOT told about making this payment until XX/XX/2023.
Why should I have to make an additional payment of {$770.00} as I was just told about adding this to my XXXX payment - and I have a credit of {$860.00} and {$1300.00}.
If all I saw in the UWM portal on the day of my XXXX payment was to pay {$2000.00} which I paid.
The account then said XXXX balance in the UWM portal. for my XXXX XXXX payment.
I do not want my credit to show any late payments because of this.
Thank you XXXX XXXX XXXX
|
| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX, rather than sending one monthly payment, I submitted bi-weekly half payments to United Wholesale Mortgage per the attached document. Couple weeks after the initial payment, I noticed that my online account did not show the payments posted. I contacted UWM to inquire about the account, and at that time I was informed that they don't accept partial payments. UWM refunded the third payment with a check that was cashed, but the first two checks were not received and sat in a suspense account without posting them to my mortgage. Starting XX/XX/XXXX I continued to contact UWM and requested them to transfer the funds in the suspense account to my mortgage to remove the late reporting, but their response was that they were researching the issue and it would take a couple of weeks to resolve. From XX/XX/XXXX until XX/XX/XXXX I continued to call on a weekly basis requesting updates on the resolution to no avail. I requested multiple call backs from supervisors, but they never called. It wasn't until XX/XX/XXXX that I was able to reach a supervisor that cared enough to apply the funds to my mortgage and clear the account. Attached you will find the list of payments they received and how they were posted, and you will also see that nothing is reported late.
Their failure to apply the funds sooner triggered the late credit reporting, and they are unwilling to remove it.
This has adversely impacted my credit score and the ability to open new accounts. I can't apply for new credit because I have been turned down.
|
| 06/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage continues to fraudulently state that I am behind on my payments when in fact I am not. I have literally reached out to them describe their error for over one month ; I have created disputes through their customer service line but they are not resolving the issue. I refinanced my home loan with them in XX/XX/XXXX. My first payment was due XX/XX/XXXX according to their billing documents but the Loan Officer erroneously put XX/XX/XXXX on the promissory note. I have made XXXX payments to United Wholesale Mortgage, these XXXX payments equal payments that were applied to XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. United Wholesale Mortgage is still saying that I owe for XX/XX/XXXX instead of XX/XX/XXXX and is threatening to negatively impact my credit if I don't pay for XX/XX/XXXX again. My bank account shows that I made XXXX payments to my loan account but the last representative that I spoke to refuses to listen to my logical and factual statement that XXXX payments have been made, This is a very urgent situation that I need resolved soon as not to negatively impact my credit erroneously. They erroneously applied late fees despite them saying they would not while the situation was resolved. I believe this is a predatory financial institution. I have factual proof of the situation that I have not missed one payment at all and only the XX/XX/XXXX payment is due. I am willing to pay it but I need them to stop assessing false late fees. Please help stop this type of financial institution.
|
| 08/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Good morning I received a reward from XXXX XXXX XXXX XXXX XXXX XXXX
The amount was for {$9300.00}. The money was sent via wire to my lender United Wholesale Mortgage. United Wholesale mortgage has a servicer by the name of XXXX XXXX XXXX. The Reps at the XXXX stated that they verified all of my information prior to sending the wire to my lender.
My lender has not been able to locate this wire from XXXX.
I contacted the XXXX reps and asked them to give me a copy of the wire confirmation and the federal Reference number- this is what United Wholesale Mortgage has asked for to facilitate the process for the missing wire. This has taken 30 days. I am late on my mortgage and struggling- this reward was put in place by my XXXX. XXXX and it took me 8 months to get approved- only to have both sides XXXX and my mortgage company not be able to locate the wire!!
I do not know who is at fault - I just want the wire for {$9300.00} to be found.
I have waited long enough- I borrower money every month waiting to get caught up, so I am not 30 days late.
I don't want to loss my home- I need this help that I was approved for.
If needed I have all the documents I received from XXXX as I am approved and I have the letters from UWM stating that they can not locate the wire.
UWM needs to get the wire confirmation and federal reference number from XXXX- Please help UWM get what they need in order to locate my wire.
XXXX is having a problem locating these documents to UWM.
Thank you XXXX Bless you
|
| 11/01/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American |
|
got heloc loan on XXXX / XXXX / XXXX ', from UNITED WHOLESALE MORTGAGE, payments interest only for 1st year, {$430.00} monthly .applied for auto w/d on XXXX XXXX / XXXX ', got ok on XXXX XXXX / XXXX '. 1st payment due on XX/XX/XXXX '. then on XX/XX/XXXX ' got notice that UWM sold loan to XXXX XXXX XXXX ON XXXX XXXX, XXXX '. i called XXXX to set up for auto payment as i did with UWM, was told they have not got loan from UWM yet but when they do, i would get WELCOME PACKAGE from XXXX with new loan # & i could then put in for auto w/d. well on XXXX / XXXX / XXXX ' get letter from XXXX that they got loan from UWM & loan is in DEFAULT!! they said XXXX & XXXX payments were not made. i called & tried to explain that i had auto w/d with UWM & have email evidence that it was ok 'd & even email saying they were withdrawing for XXXX!!!! they did'nt care to listen to me & charged me {$2700.00} + {$430.00} to get loan up to date!! my payments were {$430.00} a month so if late should at most been {$870.00} + late fees but {$2700.00}?? i asked for breakdown for these fees, nothing!! i asked UWM why payments not made as had auto w/d, nothing!! this is damaging to my credit which i have as my priority!!!! well UWM sent response to my last complaint with you on them with copies of notices they said they sent but AGAIN, I NEVER RECIEVED ANY NOTICES INN MAIL OR EMAILS!!!!! i asked why didn't you call, NOTHING!!!!! so that's my complaint is UWM failed to w/d funds, sent loan over as in DEFAULT!!!!
|
| 12/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
In XX/XX/XXXX I took a 90/10 loan with XXXX XXXX XXXX ( XXXX ) on a {$48000.00} purchase where I paid {$48000.00} as 10 % down payment with a principal loan of {$430000.00}.
XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) loan was current. ( Exhibits 1 and 2 ).
XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 3 and Exhibit 4 ) XX/XX/XXXX I also paid XXXX the {$48000.00} against the principal that was required to eliminate PMI. ( Exhibit 3 ) XX/XX/XXXX XXXX charges {$86.00} for PMI. ( Exhibit 5 ) XX/XX/XXXX I asked that PMI be removed from my account.
XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 5 ) XX/XX/XXXX XXXX sent me a delinquency notice for the XX/XX/XXXX payment. ( Exhibit 6 ) XX/XX/XXXX XXXX sent a statement showing I owe {$6600.00} on XX/XX/XXXX ( and that my XX/XX/XXXX payment is past due ). ( Exhibit 5 ) XX/XX/XXXX I was again inappropriately charged PMI ( Exhibit 13 ) I have made many contacts with XXXX attempting to address this issue directly with XXXX. ( Exhibits 7, 8, 9, 10, 11, 12 ). I have more similar messages back and forth with XXXX that simply do not address this issue.
Please help. I am asking that : 1. my account correctly reflect that I made my XX/XX/XXXX and XX/XX/XXXX payments timely ; 2. my account correctly reflect that on XX/XX/XXXX I paid an additional {$48000.00} against principal ; and 3. PMI should no longer be charged and all PMI charges after XX/XX/XXXX should be refunded to me.
|
| 02/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
UWM LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The short sale was started with UWM on XX/XX/2019. The 4506T was sent to them at this time as part of the complete short sale package. They started the loan mod review process on XX/XX/XXXX. Documents have been uploaded multiple times into their online portal since then, including the 4506T which has been uploaded several times.
As of today, they are still making excuses as to why they can not review this file. Even though we have uploaded the 4506T multiple time, they continue to make up numerous excuses such as : they do not have the 4506T ( at all ), the 4506T they do have is not signed, the 4406T they do have is not filled out correctly, the 4506T is completely blank, and the 4506T is missing addresses.
****FURTHERMORE when we call in no one can tell us why the 4506T has been rejected and we have to wait several days, for NO ONE to call back, then call back in again and demand to talk to management. Even then, it takes DAYS to get a straight answer out of UWM.
Their supposed review of this file for a loan mod has been going on for TWO MONTHS!!!!!!! -- -- - This is RIDICULOUS!!!!! -- -- -- - It has become apparent to me that they are doing nothing except to delay the decisioning on the file in an attempt to defraud the investor out of even more ( inflated ) servicing fees.
Since this company seems to be incompetent in reading a 4506T I have attached it here.
I want this reviewed and moved forward WITHOUT FURTHER DELAY!
|
| 10/05/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
XX/XX/2023 ' got HELOC LOAN from UWM united wholesale mortgage. loan # XXXX $ XXXXtold interest only for 1st year, {$430.00} monthly.starting XX/XX/2023. i set up auto pay on XX/XX/2023 '. heard nothing from UWM until XX/XX/2023 ' when a letter stated they sold loan to XXXX XXXX XXXX # XXXX.i called XXXX to set up auto pay but told loan not there yet, wait until i get packet from XXXX create acct. get new loan #. on XX/XX/2023 ' i was checking my banking acct 's & saw UWM on XX/XX/2023 ' UWM had withdrew {$1600.00} from my acct!! i called & was told i was late & XXXX & XXXX payments not made!! i said i had XXXX XXXX, no answer!!!! i called XXXX & again told loan not there yet. then on XX/XX/2023 ' i get letter from XXXX saying my loan was in XXXX, they wanted {$2700.00} + {$430.00} to get loan up to date!! i called & told them UWM messed up, i hade auto w/d, so how could i be DEFAULTING?? tehy didn't care, so i paid the $ . now if my auto pay was not set up, how did UWM withdraw the {$1600.00} yet not my auto payments for XXXX & XXXX?? ALSO when they sold loan where did that $ $ go because i hade to pay AGAIN for XXXX & XXXX, paid twice plus put my CREDIT AT RISK WITH DEDFAULT!!!! i'm at a loss??!!! i don't feel i did nothing wrong, both of these companies UWM & XXXX [ i filed a complaint against SLS with you as well ] are shady, i double paid, i have email showing UWM was deducting XXXX payment on XX/XX/2023 ', no mention of problem!?!?! THANK YOU FOR YOUR HELP!!!!!!!!
|
| 10/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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XXXX XXXX XXXX holds our mortgage and also collects escrow for our insurance and taxes. We have been receiving documents from the insurance company since the beginning of XXXX about our renewal and I have been monitoring the policy deadline, I wasn't concern because the mortgage company holds our escrow for this, until four days before my home owners insurance was due my carrier still had not receive payment. Payment was due on XXXX/XXXX/18, United has stated that they did not receive any documents from the insurance company yet the insurance company has confirm the address of where the letters were sent and I was also receiving copies. I received two letters in the month XXXX 2018. It's not the consumer job to police the mortgage company to pay their home owners insurance we trust that they are a reputable entity with the resources to comply with their contract. Today is XXXX/XXXX/18 and payment has not reach the insurance company. We emailed united at XXXX on XXXX/XXXX/18 to pay the insurance as of today XXXX/XXXX/18 our insurance company still has not receive payment even though united has confirm a check has gone out. I am disturbed that they did not comply with paying our insurance on time. They are irresponsible and negligent on so many level. I want to make sure that this does not happen again to us or any other consumer whose loan is with XXXX XXXX XXXX. Should I now be concern that our taxes will not be paid on time to receive the full 4 % discount in XXXX?
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| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Recently acquired 2 mortgages with the company as automatic payment is strongly encourage to prevent falling behind on payment. On XX/XX/XXXX, I had set up Automatic payment on both account for automatic payment for draft for XXXX payment. In XXXX while checking account in XXXX, noticed on one of the account payment has not processed.
called company and explained the situation, call escalated to upper management to explained procedure about removal of late payment notice from credit report. I was told to contact the Credit Bureau and will confirm with reversal of reporting. I was told it may take about 30 days for issue to resolved. I specifically told the Manager that i am in the process of purchasing a property and that would affect me qualifying for the loan as it would have a negative impact.
This is the first ever payment with the company. I do emphasized that I have been familiar with the company rules. I was told once they received report from credit bureau, credit reporting would be reverse.
On XX/XX/XXXX as I am ready to close on property, I received a call from my agent stating credit reporting has not been taking off, and getting the mortgage would almost makes it impossible.
When I reached out to the company, I was told my request has gotten denied and was never made aware as I have been waiting for about 30-45 days period. This has been very misleading as I have done everything asked. I was told flat out " Claim denied '' can't be reverse.
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| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Upon receipt of my Annual Escrow Account Disclosure Statement, on or about XX/XX/2020, I discovered an anomaly. Although I made my XX/XX/2020 mortgage and escrow payment, the escrow portion of the payment XXXX {$1400.00} XXXX did not appear in my escrow account.
My husband called UWM in XXXX and they were unable to provide an explanation of where the missing {$1400.00} went or why it was not applied to our escrow account. He was told they would look into it and call us back. We never received a call back or anything in writing from UWM providing an explanation. Today, my husband tried calling UWM multiple times to address this issue. He was hung up on several times after entering or providing our loan number. He was eventually able to speak to a person and explain the problem. The customer service agent was unable to assist and when my husband asked to speak to a supervisor, he was hung up on once again.He was in the room with me and I overheard this conversation.
I attempted to go on to my UWM account online to see if I could determine what may have happened and obtain a copy of the XXXX and XX/XX/2020 statements. My account log-in information is no longer valid. I put in my loan number to try to enter the system another way and was given an error message that they are having problems locating my loan. Apparently, once they transferred the loan, they no longer give access to their system to be able to see statements from just a couple of months ago.
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| 09/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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I completed a full documentation refinance transaction with XXXX XXXX XXXX thru a broker named XXXX XXXX signing closing documents on XX/XX/XXXX. My previous loan was held with XXXX and the new transaction was originated thru XXXX ... additionally my current loan was kept and is serviced by XXXX. I was approved to close in mid XXXX and completed the closing without issue on XX/XX/XXXX with a guarantee to fund before the end of the month. My XXXX payment was outstanding, and I followed up with XXXX and my broker multiple times to ensure that it did not need to be paid. I was assured that the funding of the loan would occur in XXXX and that the payment was included in the payoff of the old loan. Additionally, XXXX waived a late fee proving that this was in fact made note of in their system. I followed up on the funding of the loan daily, and was assured on XX/XX/XXXX that the loan was funded and satisfied. It was not until XX/XX/XXXX that I realized that the entire time XXXX had reported me 30 days late regardless of the aforementioned facts. The entire time I had the money to make the payment as scheduled and was told not to make it by both the broker and XXXX. It has drastically reduced both myself and my wife 's credit score. We could not take advantage of multiple rewards offers for credit and we can't refinance to obtain the currently low interest rates. Prior to this we had a perfect payment record and our scores were almost 800. Please help.
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| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence.
In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
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| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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Received a surprise statement dated XX/XX/XXXX that our monthly payment is late. Checked my XXXX XXXX XXXX and amount for XXXX was deducted from billpay. Upon calling UWM, they said payment was not received.
So was advised by customer service to get a transmittal report from bank. According to bank, UWM does not have electronic bank in, and hence a check had to be mailed to them. And therefore, the bank can not send them a transmittal report but instead, has sent a letter of good faith.
Read a number of complains that their automatic payment is not smooth either, involving multiple complications. So I am not doing it.
I have since made four payments in total to them via XXXX XXXX XXXXXXXX Billpay. In the mean time, I kept getting harassing calls and voicemails reminders that they are collecting a debt.
When speaking to them, no one seems to be able to put an end to why the XXXX check was returned, snowballing the issue. Why it has taken so long to receive payments when my payments have been always timely prior to XXXX.
Received another statement today in the mail with notifications of late payments for XXXX with words that menacingly threaten " failure to bring loan current may result in fees and foreclosure- the loss of your home ''.
I have made an appointment with the bank tomorrow to see what is going on with my payments. According to my bank app, the payments have left my account on XX/XX/XXXX.
Please investigate this.
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| 09/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I think the mortgage company and the loan officer did some fraud to close the deal. I was told some things that the payment would be lower. And now the mortgage company had did some incorrect things to have some shortage on my accounts. They keep saying docs they didn't receive or the accessory office that they did not contact. Added a shortage to the already to high payment by {$400.00}. I never received the doc from the loan officer or mortgage company. Was never told about the shortage til I heard the automatic caller state the amount. The property was accessed higher than the correct amount, til i contacted the accessories office. That did a investigation and found there too be a issue. There was missing items from the property that i had addressed with the loan officer. Who told me, he didn't want anyone at my file. That he would get the property refi and get the M.I removed to lower the payments. Had me borrow money off my credit cards to pay the other money, since he said conventional was better at the time. And then now after my credit went from XXXX to the garbage. He doesn't answer the phone. And on a recent statement I saw his companies logo on the doc. Like this is way wrong and that, the broker/loan officer and the XXXX XXXXXXXX XXXX. Came up of a single women 's hard earned cerdit with the purchase and refi of the ( 2 ) properties. refi 1 house XX/XX/2017 and purchase of new property XX/XX/2017. The broker XXXX XXXX
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| 12/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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For fiscal year XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX issued a property tax bill of {$9800.00} to be made in two payments of {$4900.00}.
Our mortgage company, United Wholesale Mortgage ( UWM ) issued one payment of {$4900.00} in XX/XX/XXXX and three payments of {$4900.00} XX/XX/XXXX. UWM issued one tax refund of {$4900.00} on XX/XX/XXXX. We have been awaiting the refund of the other {$4900.00} for nine months now.
I have attached the escrow account payment history from the UWM online portal and UWM XX/XX/XXXX mortgage statement to support the three tax disbursements made in XX/XX/XXXX and only one refund provided in XX/XX/XXXX.
UWM representative, XXXX XXXX, has acknowledged the error made by the UWM team and informed us that the work order will be completed and a refund of {$4900.00} will be issued by XX/XX/XXXX. I have attached the response from XXXX XXXX for support. We followed up again with XXXX XXXXUWM via secure message on XX/XX/XXXX and have not received any response nor refund to our escrow account. We have spent many hours following up and explaining this error to UWM. We have been contacting UWM via secure message and phone since XX/XX/XXXX to fix this issue.
Please note that XXXX XXXX XXXX has confirmed no refund due to us. The refund of {$4900.00} will need to be issued by UWM as they had incorrectly disbursed the extra tax payment in XX/XX/XXXX and have not refunded us as of today, XX/XX/XXXX.
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| 10/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I did a mortgage refinance with United Wholesale Mortgage in XX/XX/2020. The mortgage was done with a mortgage broker from XXXX. I was told everything would be seamless and there would be enough taken out into my escrow account at the time of signing and the projected payments to the escrow to allow for my taxes and insurance to be paid. I went with them based on the numbers I was given. In XXXX of 2020 I received a delinquent tax bill from XXXX county that my XXXX taxes had not been paid. I followed up with the mortgage company and they stated there was not enough in the escrow to make the payment. After talking to many people they paid it and the penalty too. I was told I would have to pay back the escrow amount of {$3800.00}. I never would have done the refinance had I known it would have been almost {$4000.00} more. The mortgage broker knew that and I feel like numbers were manipulated to get me to do the mortgage refinance as my husband and I have good credit and were a good target. The mortgage company stated I could pay back the shortage over 2 years and now I received a statement stating they would collect it over one year. The monthly amount went from {$2600.00} to {$2900.00} for one year and this is not something I signed up for.. I feel like the mortgage broker from XXXX XXXX XXXX misrepresented my new payment and the loan to get us to sign. This is not my mistake and I am being made to pay for their deciet.
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| 12/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020, my wife and I refinanced our mortgage with United Wholesale Mortgage ( UWM ). We did not receive our XXXX mortgage statement prior to XX/XX/2020 which was the date of our first mortgage payment after the refinance. Therefore, I called UWM and made the XXXX payment over the phone. When my XXXX mortgage payment due date was approaching and no mortgage statement had arrived, I called the UWM customer service phone number and told the representative that we had not received our XXXX mortgage statement. The representative instructed me to mail our mortgage payment to the following address : United Wholesale Mortgage XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Following the instructions of the representative, I had my bank send UWM a draft for our mortgage payment on XX/XX/2020. The payment arrived at the UWM address on XX/XX/2020. My payments are late after the XXXX of the month ; therefore, my XXXX payment was received by UWM prior to XX/XX/2020 and was not late. UWM never called or emailed me to let me know that my payment was not received. However, when UWM did not accept the bank draft, my Credit Union stopped payment on the draft on XX/XX/2020. When my Credit Union notified me that a Stop had been placed on the XX/XX/2020 draft, I reached out to UWM and was told that my payment should have been mailed to a different address. Further, I was informed that a 30 day late had been reported to the bureaus for us.
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| 10/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello and thank you for helping out with my mortgage loan ( # XXXX ).
I was struggling like most individuals when the pandemic began and had began the forbearance plan, for 15 months I was in the plan and had a payment of nearly {$28000.00} made to bring my mortgage current.
At the time when I contacted United Wholesale Mortgage, which some customer service representatives were kind however most were really rude and did not help at all and still are not helping which is why I've had to resort to filing this complaint.
I was promised that after this payment I could use the remaining 3 months of forbearance and after the plan ends, UWM would place the past due amount to the principal balance and resume my payments on XX/XX/XXXX.
Prior to XX/XX/XXXX, I proactively reached out again to UWM to ensure what to do next and seek for what was promised and had a rude gentleman tell me " well you need to qualify for it first ''.
Qualify for what? I was on the forbearance plan and was told the unpaid 3 months would be added to my principal and I would resume XX/XX/XXXX with my payments due.
It's not fair and got papers saying I need to sign away for a short sale? There's no need for that.
I am please seeking help, I am only requesting for the unpaid 3 months to be placed onto the principal balance so I can resume payments as I was promised especially after making that payment that was originally due.
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| 01/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My husband and I are in the process of doing a Boundary Line Adjustment with our neighbors. We are acquiring property through this adjustment and it is a cash transaction. We need lender consent for the county to complete this process, even though we are acquiring the property and adding value and land mass to our property.
I emailed the documentation on XX/XX/XXXX, I again efaxed it on XX/XX/XXXX. Through a complaint through my original broker, I was contacted by United Wholesale Mortgage via email and sent the documentation again on XX/XX/XXXX. Today is XX/XX/XXXX, approximately XXXX weeks after the initiation for lender consent. I have just spent XXXX hours on the phone with United Wholesale Mortgage and after being passed around to XXXX different people, no one can verify at what stage my request is at. Supposedly the supervisor of the Special Products Division was contacted but would not give status because the review process was not complete. I then talked to an Escalation Specialist who asked that I send the documents yet again to yet another email. I feel we have been very patient, but it is quite frustrating when you can not deal with just one individual sending documentation direct to who is supposedly working on my file. I can only send to general emails and no one will give me their individual contact information so I can deal with only one person. This is not acceptable to a consumer!
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| 04/12/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I became aware on XXXX that the XXXX half of my property taxes which were due on XXXX had not been paid. My taxes and insurance are paid from my escrow, by United Wholesale Mortgage. I called UWM and spoke with a representative on XXXX. I explained that I am in the process of obtaining a Home Equity Line of Credit and was informed by the HELOC lender of the tax issue. This is the only obstacle preventing me from receiving my loan. The lady I spoke with had put me on hold while she went to find out information about my call. When she got back to me, I was told that they had made a mistake and this issue was an oversight. I was told the issue would be resolved in the next XXXX to XXXX hours. I asked for a call, email or any type of confirmation that this issue would be resolve. I was told she put in the notes that I was to receive a call on XXXX. I had not heard anything from UWM today, XXXX and I had called them at XXXX pm XXXX. After explaining the issue with the representative, I was informed that they can take XXXX to 14 days to answer my questions and actually could take up to 60 days. This matter should have been delt with when the taxes were due. The negligence of UWM can cause me to lose the window of the construction upgrades I had planned for. This can be resolved by me paying the tax bill. Although its an option, they should have paid the bill when it was due! I pay my mortgage on time!
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| 07/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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As addressed to United Wholesale Mortage : Back in XXXX I wanted to sign up for the budget draft and instead of taking half the payment as per terms of the agreement you instead took the full mortgage payment. I was assessed a fee for insufficient fund. I call and the fee was removed.
Afterwards for weeks I received no feedback or paperwork work for the budged draft even after faxing over my savings account information over and over. Finally when I called you said I had to pay one month advance for the enrollment into budget draft. I did that and budget draft was finally set up. Again no communication to me that I had to make an additional month of payment.
After that what I expected should have been no issues since it was bi-weekly payments right? Wrong. Apparently you take 3 payments on a month with 5 Fridays. I was assessed a fee AGAIN.
So I called and explained the situation and they said that the issue will be resolved. I did this three times and every-time you stated that the fee would be removed. I even wrote on the online messaging system and I was ensured that it would be taken care of.
I called back today almost a month later now and explained the situation to the supervisor in the escalation department and they stated that since the fee was already waived once again which was a mistake on your end that they cant remove the fee.
Im not paying the fee.
Loan # XXXX XXXX XXXX
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| 01/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Hello, I have a conventional loan through UWM, United wholesale mortgage. In XXXX I requested the process from them to remove XXXX, XXXX XXXX XXXX. I got around to submitting the required information through email. Previously I was told it had to go through mail but after receiving instructions through their portal ( I still have record ) its stated Alternatively the request and any additional information may be sent to XXXX Due to these instructions I submitted the request and required information to start the process of XXXX removal. My XXXX ratio is well over below 80 % and shouldnt need an appraisal but I was ready to do so. This request was submitted XX/XX/24. I was told they had 30 days to respond. After 30 days I followed up after not hearing anything and they then asked for the information I had already provided. I was blown away that I was submitting the information again. They then said it would take another 30 days.
I now have wait a total of 60 days and have been told I wont have an answer until XXXX. I have reach out directly to the XXXX administration and UWM multiple times with no clear path to resolution.
At this point I feel they are holding me captive to a unneeded insurance that I am trying to terminate. I have paid several hundred in extra XXXX insurance and have had no clear communication as to why my request is not being taken seriously.
Please help
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| 03/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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Our settlement company requested a loan pay off statement from United Wholesale Mortgage on XX/XX/22. The settlement company never received it so they asked us to reach out to United Wholesale Mortgage to try to get it ourselves. We reached out on XX/XX/22 and United Wholesale Mortgage claims it was in our online document center but it was not there. We called again on XX/XX/22 to try to get them to send it, but then they claimed their document center went down. So then they said they could fax it, but no one has received it. We called UWM to ask them to fax it to a different number ( in case there was an issue with the one they were sending it to ) and they claimed to have faxed it, yet no document. We called again and tried another fax number. Still no document. We tried the chat feature three times on XX/XX/22 and called four times on XX/XX/22 and the best we were able to get was Ill tell my supervisor, he isnt answering his phone. We now close tomorrow morning ( XX/XX/22 ) and we dont have the document. I read they have 7 days to produce this from the time we asked and they have not fulfilled this requirement. They claim they did fulfill it, but none of their faxes went through to multiple numbers ( so it their system failing ) and it was not in the document center and they refuse to help in any other way, so I dont know what else to do at this point. I feel helpless.
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| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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UWM was the mortgage holder on my home in Florida, they then sold off the loan to XXXX XXXX and once XXXX XXXX took over the loan in XX/XX/2022, the monthly payments went from {$1500.00} to {$2700.00} ( I have a fixed interest rate ) after several phone calls to XXXX XXXX and UWM, I am informed that XXXX sent over a negative escrow amount to XXXX XXXX and UWM is claiming they sent {$2400.00} which they can not prove, I have documentation attached showing they sent a negative amount.
In addition UWM charged my account {$7400.00} for flood insurance and the certificates for flood insurance was sent to them several times even when the loan was first started. ( see attached documents for flood insurance ).
I have been paying XXXX XXXX but can not afford to pay a monthly payment of {$2700.00}.
I have made several attempts to get my escrow refunded from UWM along with the refund for the flood insurance but NO ONE can help me they keep telling me a supervisor will call me back and nothing. This has been going on for weeks, They took money from me and was not warranted to do so. I have all the paperwork proofing this. How does this happen how does a company exist, when they are stealing money from their clients? I would appreciate some assistance some assistance in to get my money refunded back to me or to XXXX XXXX so my account is back to the normal and affordable payments.
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| 04/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Home purchased in XX/XX/XXXX. Value re-assessed in beginning of XXXX causing additional tax statements to be collected.
XXXXOn XX/XX/XXXX, I sent an email to XXXX ( per calling UWM ) requesting to pay additional XXXX taxes due to tax assessment increase {$350.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX ( per calling UWM ) requesting to pay additional township and school district taxes- due to the assessment increase township- {$160.00} School- {$1400.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX requesting that i sent 2 emails requesting overdue taxes be paid- there is now a 10 % penalty. I called UWM ( united wholesale mortgage ) and this time they provided me the delinquenttaxes email to send statements to.
-On XX/XX/XXXX, i called again since taxes were not paid. I was told to upload the documents to the UWM website secure message center- which i did. I was told they would escalate the situation and pay taxes.
- I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX that as of XX/XX/XXXX the unpaid taxes will be filed as claims in the XXXX XXXX dept of court records. I contacted XXXXXXXX XXXX XXXX on XXXX they stated that they sent a copy of the county tax request to XXXX XXXX Uwm 3rd party- who pays the taxes on XX/XX/XXXX, per their request.
Current Amounts Due are : county- {$540.00} township- {$210.00} school- {$1800.00}
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| 09/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I filed a complaint previously on United Wholesale Mortgage for the erroneous filing and collection of property taxes against my mortgage. They have not rectified their error and are continuing to secure escrow reimbursement by doubling my mortgage payment for more than 3 months ongoing. I have uploaded receipts that the taxes were paid by me on XX/XX/2021 to their website in XXXX. They charged my mortgage escrow property taxes for 9 other additional properties I own including one I do not own. A refiled legal description removed the additional 9 parcels however I have not received credit for the property taxes i paid personally nor a refund for the taxes paid out of my escrow account for a home I do not own that I am being billed for by them. There also has not been a credit to my escrow account for the refund that was issued by the county auditor for the taxes they erroneously paid. They are continuing to collect additional monies from me by doubling my mortgage payment to reimburse the escrow shortage issues. I have been charged and paid out over {$14000.00} as a result of their error over the past 4 months of finding this error. They said that the issue has been noted and that I would receive a revised escrow as of XXXX. Current online information shows no change nor credit to my escrow and that my due mortgage amount remains at the inflated amount.
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| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Hello, On XX/XX/XXXX my family lost our home in a wildfire. Insurance provided us with the check for the dwelling in XXXX and we immediately mailed it to United Wholesale Mortgage. The check was in my wife and I 's name and UWM 's as well which is why we had to send it to UWM. UWM proceeded to cash it, our loan balance showed {$0.00} and we are due back {$120000.00} which is the excess of the insurance checks over our loan balance.
On XX/XX/XXXX UWM processed the check and mailed it, however due to a clerical error on their part with a butchered address, it never made it here and now it's back in their hands.
Every time we call we get tossed around and thrown a new story, never any supervisors available and this last time they said they have to put a stop payment on the check and reissue which takes 30-60 days. THey are holding our livelihood and money we need and are relying on for far too long. They've had XXXX XXXX insurance check cashed since XXXX of XXXX and it's now mid XXXX. We're scared and nervous at the incompetency of the company and how long this is taking.
Please help! They won't help and it's just constant push back and delay delay delay, call back, we'll call you back and never do, it's just thing after thing. This company is run extremely poorly and incredibly inefficient from a customer perspective.
Thank you.
XXXX, XXXX XXXX
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| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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I just found out about this agency from an article in a realtor magazine. My issue happened ten months ago. I applied to refinance my mortgage with United Wholesale Mortgage. I found a local mortgage broker on their website. I contacted him and submitted the requested documents, after a time I was told I was approved but would have to pay for a new appraisal, which I did. After the appraisal was completed XXXX ordered the title work from the closing attorney and set a closing date. That day was on a Friday so on the preceding Monday I closed out a my line of credit in preparation. I spoke to the closing attorney to see if I needed to do anything else and was told no. A few days before closing the attorney said the mortgage company was not responding to her request. She informed me the loan would not close on Friday. On the following Monday she was able to contact someone who said the loan had not been approved. I contacted the company and said your underwriting department ordered title and set the closing date. How could this happen if I was not approved. I got a lot of double talk. I said someone will have to pay the attorney and was told it would not be them. I said I would take them to small claims court, they then agreed to pay the attorney, but said they would not reimburse me for the cost of the appraisal. I also lost my XXXX XXXX line of credit.
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020 I used my banks online payment service to make an electronic payment from my checking account to United Wholesale Mortgage for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by United Wholesale mortgage that the payment was never received, so I paid my XXXX mortgage for a second time on XX/XX/2020, this time through my mortgage companys online system. After filing a dispute with my bank, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to United Wholesale Mortgage/XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX XXXX. My bank has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. I have subsequently tried to contact United Wholesale Mortgage using the phone number on the letter they sent, but they do not answer and have not returned my calls.
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| 05/05/2023 |
Yes |
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
|
Hurricane Ian, XXXX XXXX in XX/XX/XXXX, UWM gave us a 3 month forbearance plan to add the mortgage payments to the end of our mortgage. This was extended an additional 3 months to begin XX/XX/XXXX. After the plan was coming to an end in XX/XX/XXXX, UWM sold the mortgage to XXXX XXXX XXXX XXXX and would no longer be able to help with our repayment plan as promised. We called UWM multiple times talking to XXXX, XXXX XXXX and XXXX. All of these discussions nothing was talked about except adding these 6 payments to the end of the mortgage and that we would be able to talk with UWM after the end. XX/XX/XXXX.
UWM conveniently sold the mortgage XX/XX/XXXX. As a result of UWM not honoring what their representatives stated, we received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, stating that our loan is in default, and they want to foreclose on the mortgage instead of doing what UWM said they would do originally.
I always made sure that UWM representatives understood that we wanted to add the payments to the end of our mortgage. We were never told anything about a possible foreclosure.
We live on a very limited income and value our credit scores. I have been on XXXX and my wife is on social security income. This caused us to go out and get a loan to pay off the forbearance plan and get it up to date so we would NOT lose our home.
Shame on you.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company United Wholesale Mortgage would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXXXXXX. During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message two days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with United Wholesale Mortgage and one with XXXX XXXX XXXX XXXX with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my XXXX XXXX. My XXXX score was at close to XXXX and is now showing on XXXX as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.
|
| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
Dear Director, My loan is backed by XXXX XXXX
According to 1024.17 ( c ) ( 3 ) found on the Consumer Financial Protection Bureau website : Cushion.The cushion must be no greater thanone-sixth ( 1/6 ) of the estimatedtotal annual disbursementsfrom the escrow account.
United Wholesale Mortgage performed another deceiving Escrow Analysis ( like all of them by now ) and identified an Escrow Shortage of : {$7700.00} without offering a break down.
When United Wholesale Mortgage performed this analysis my Escrow Shortage indicated a negative balance of - {$4400.00} ( please see attached ).
We can only assume that the difference to {$77000.00} is cushion.
cushion iswrongfulcalculated as : {$3200.00} Considering that my Property Mortgage Insurance, Property Tax and Homeowner Insurance ALL costs $ XXXX, also called total annual disbursements ( please see attached ) then 1/6 of this amount is : {$1500.00} CUSHION SHOULD BE CORRECTLY CALCULATED AS {$1500.00} Please stop violating RESPA and the Federal Law and please enforce the corect amount for the ESCROW ANALYSIS you performedand eventually you will respect my rights as a consumer without constantly abusing me and my account and deceiving me or my account.
My Escrow Account shortage should be adjusted accordingly and the way you charge it should be spread over a 60 month period.
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| 12/19/2022 |
Yes |
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- Trouble during payment process
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Web |
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Hello Loan number with UWM XXXX I called and United Wholesale Mortgage on XX/XX/XXXX to ask why my XX/XX/XXXX mortgage state was NOT reflecting the remaining award from Gov. XXXX XXXX XXXX XXXX XXXX I was awarded. The original award was for {$9700.00} sent to UWM in XX/XX/XXXX The remaining balance is {$1300.00}. All other money was applied to the mortgage, except this remaining balance of {$1300.00}.
My XXXX mortgage payment is XXXX so the XXXX payment should be {$1500.00}.
The rep from UWM told me the balance was returned wired back to the state on XX/XX/XXXX. I asked why was this returned and I was told by the UWM rep - that she did not know why. I called the XXXX XXXX rep and they told me that UWM should NOT have returned the money. That the money was to be used for my mortgage and any future mortgage payments, and the XXXX an escalation has been created over 2 weeks ago. I have not heard back form the XXXX XXXX Rep.
So I decided to follow up with the reps at UWM once again, I have called XXXX since XX/XX/XXXX.
to no avail. All I want them to do is explain to me why the money was returned to XXXX XXXX. Since the state told me they did not request any money to be returned!
I feel that if this was done in error it should be corrected ASAP.
I do not want to be late on my XXXX Mortgage for XXXX.
Thank you XXXX XXXX XXXX
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX 2021 and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's XXXX can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, XXXX was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
|
| 05/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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XXXX LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX Short Sale was started with XXXX on XX/XX/19. On XX/XX/XXXX we called in and were told it was being assigned and we would be called back that day.
Now today, XX/XX/19, we are being told nothing has been done on this file and nothing will be done on this file. There is no SPOC assigned. XXXX is refusing to escalate this. Management is refusing to work on it.
Aside from gross violation of their servicing guidelines, XXXX is at this point committing LOAN FRAUD, due to their acceptance of servicing funds without actually servicing the file. *******Additionally, this is a VA BORROWER. Apparently XXXX doesnt care about our military personnel. XXXX doesnt care it is in violation of Federal and State Laws. XXXX doesnt care it is in violation of their Servicing Guidelines. XXXX doesnt care about CFPB guidelines.
Instead, XXXX is blaming this on XXXX/XXXX, claiming they are the subservicer and as such it is their responsibility, not XXXX, for this file.
****we are having issues on EVERY SINGLE ONE OF OUR XXXX FILES. XXXX has no capacity to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY.
I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents we have submitted to be worked on.
|
| 12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
My loan was sold by United Wholesale Mortgage to XXXXXXXX XXXX XXXXXXXX XXXX. I was accepted and enrolled in the VA mortgage forbearance mortgage program. The loan number was XXXX with XXXX. I was awaiting documents which never came for me to sign and put the two allowed skipped payments at the backend of the mortgage. I made 12 attempts to contact UWM and left voice mails each time. I refinanced via the VA streamline loan program with XXXX XXXX on XX/XX/2021. Know one ever contacted me via the US Mail or telephone telling me that XXXX XXXX was now my loan holder. When XXXX assumed my new mortgage in XXXX of XXXX the program allowed me to differ the first payment to XXXX of XXXX. XXXX XXXX XXXX shows me late on national credit reporting for the months of XXXX XXXX and XXXX of XXXX when no loan was with them. UWM the parent organization will not correct that error and will not admit that the loan documents that they claim sent were ever sent by them. They accepted me into the forbearance program and the payments of the program were made to them and their own records reflect those payments. Therefore I want UWM to notify the credit reporting bureaus that no late payments of any type were incurred by them and I want the records corrected to show no late payments of any kind especially for the months of XXXX through XX/XX/2021.
|
| 11/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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During COVID-19, I was granted forbearance period for 6 months which was agreed upon from both sides stating I would not be affected negatively. I ended the forbearance period early and immediately was current on my payments. I worked extra hard during the pandemic to make extra payments to have PRIVATE MORTGAGE INSURANCE removed. In mid XXXX, to loan to value ratio was 78 %, under the 80 % mark to be qualified to have PMI removed and was current on my payments. I reached out to the PMI department via email and they got back to me on XX/XX/2020 stating although my loan to value ratio was 78 % and was current on my payments, PMI will not be removed since I was late on XXXX payments. After contacting customer service and speaking to XXXX and XXXX and from forbearance department XXXX for an hour, they could not see the late payments on my record. XXXX spoke to the supervisors and concluded that it was indeed the forbearance period which was AGREED upon, which was negatively impacting me and I would have to continue paying PMI for 24 months in order for it to be removed. I find this unacceptable as there were no late payments but agreement was made which I abided by.
To hold a forbearance agreement, because my mother was infected while global pandemic was going on, against me negatively is not just insensitive but plain wrong.
|
| 05/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2023 I closed on a house. During the closing process, I set up auto pay through my business account, which I have done for other housing purchases. United Wholesale Mortgage declined my payment for the month of XXXX and XXXX. They did not add me as the primary account holder ( I required a co-signer ) thus I was not informed they declined my payment.
I called on XX/XX/2023 ( rough time estimation ) and was told that they do not accept payments from third parties. I asked for the necessary forms to complete so they can accept payments from my business account. They emailed me. But the email did not contain the correct information. I called XXXX days later. They emailed me. Again, not the correct information. I called again and asked for a manager. The manager said he would mail me the document I needed to sign. It is XX/XX/2023 and I have not received the document.
This process has dropped my credit score from XXXX to XXXX. Their error has cost me money and has prevented me from making other purchases as my credit score is so low.
I have tried to work with this company. I called XXXX XXXX to help me. They have sent United Wholesale Mortgage XXXX inquiries and they have not responded to XXXX XXXX.
Please help me. All I want to do is set up auto pay through my business account and have my credit repaired.
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I refinanced my home at the beginning of XX/XX/XXXX. Due to that, my property taxes were paid twice ; once through my escrow account with my mortgage company, United Wholesale Mortgage, and a second time through the title company as part of the closing on my refinance. The check from the title company was cashed first by my county. The money paid from my escrow account was refunded on XX/XX/XXXX by wire transfer. I have the wire transfer number from my XXXX XXXX. I contacted United Wholesale Mortgage on XX/XX/XXXX to find my refunded property taxes. I was told that it would take XXXX business days for them to send an inquiry to the third party, XXXX, who handles the payment of property taxes. On XX/XX/XXXX, I inquired again. I was told that there was no information and that until my money shows back up in my now closed account, they can not help me. I have provided the wire transfer number and the date. To this date, no one has contacted XXXX to verify the wire transfer back from my county. I have called multiple times, sent an email and a letter. I have not gotten any information. I have asked for the phone number to XXXX, the company that my county sent the wire transfer to and United Wholesale Mortgage has agreed paid my property taxes. XXXX will not give me a phone number to track down this on my own.
|
| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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XXXX and XXXX XXXX has a fixed rate mortgage loan with United Wholesale Mortgage ( UWM ). Our mortgage payment was {$10000.00} since inception. In XXXX of this year, UWM sent me an email that they were completing an escrow analysis as the loan payment includes property taxes and homeowners insurance. The results of the analysis was that due to my homeowners insurance increasing, my loan payment was going up to {$10000.00}. The homeowners insurance changed from an annual fee of {$1000.00} to {$3100.00}. This {$2000.00} increase amortized over twelve months should have resulted in a payment increase of {$170.00}. UMW increased my loan payment by {$660.00} to {$10000.00}. Since XXXX of this year, I have reached out to UWM five times in an attempt to correct this error. I've asked for another escrow analysis after I confirmed that my property taxes did not change. UWM has not responded. I have asked to take my homeowners insurance out of escrow so that I could pay it myself and they responded that due to the terms on the loan, i could not pay my own insurance. The dates that I reached out to them are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like my loan payment reduced to {$10000.00} or be allowed to take my homeowners insurance out of escrow and pay it myself and keep the payment at XXXX.
|
| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I received a notice in XX/XX/XXXX asking to provide proof of home owners insurance. I didn't understand why they were asking because the home owners insurance was being paid by them to the insurance company when we did the agreement in XXXX. The mortgage company completed the payment from XXXX to XXXX but claimed they did not know it was more due starting in XX/XX/XXXX. They were asking home owner 's insurance for info. Home owners insurance didn't notify me for payment because they knew the agreement from the mortgage company. The mortgage company nor the home owners insurance Co failed to notify me that no payments were being made. My insurance was canceled in XX/XX/XXXX for no payment and once again I was not notified. I had no clue any of this was going on until the mortgage Co notified me in XXXX XXXX. Now the mortgage company wanted {$1700.00} for lapse insurance that was partly their fault. Due to lapse insurance I could not find home owner 's insurance and had to pay more for the lapse time. The mortgage company paid {$1700.00} to themselves and {$3700.00} to homeowners insurance from my escrow. Now escrow is in the negative. My note went from $ XXXX month to {$1800.00} due to every one 's error. Then, they sold my mortgage to another company. The mortgage company is united wholesale mortgage.
|
| 02/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have requested the PMI be removed from my loan on multiple occasions. Once I got the amount needed to pay the loan below 80 %, with the last lump sum payment of {$9600.00} on XX/XX/XXXX another request was sent by email to remove the PMI. According to the letter from United Wholesale Mortgage dated XX/XX/XXXX it states the different ways to remove PMII qualify for the borrower requested cancellation of PMI removal option # 2 : the date the principal balance actually reaches 80 % of the original value of the property.
The PMI has continued to be wrongfully charged {$97.00} in XXXX and XXXX. I want these PMI payments reimbursed due to the current loan to value being below 80 % and I want the PMI removed ASAP. Every time my we contact UWM we get the run around and that the department is busy. It has been well over 30 days from removal request. This company is deceiving in what they state in their letters and on the phone, and lie and dont follow through on their end once they have my money. I can not talk to anybody or escalate anything in the escrow department. The frontline customer service reps can not fix my issue. I have tried many times and feel I am being tricked by my mortgage lender and they are actually now stealing money from me because they are taking XXXX per month without authorization.
|
| 06/07/2019 |
Yes |
|
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|
Web |
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I sold my home on XX/XX/2018. Closing statement shows XXXX XXXX took out {$1500.00} to pay property tax, as well as {$210.00} MIP, out of the sale proceeds. I trusted everyone involved and was extremely overwhelmed with moving out of home and into new home. I work long hours & have little time to handle personal affairs. I'm late on preparing XX/XX/2018taxes. In gathering info for tax preparer a few weeks ago, I went to XXXX XXXX XXXX ( XXXX ) website to ensure I received all tax docs from them, but discovered that I had not received everything. I downloaded Form 1098, XX/XX/2018 mortgage statement, and their Escrow Account Disclosure Statement. I saw that XXXX indicated the {$1500.00} property tax was paid from my escrow impound account, as well as two charges of {$210.00} FHA MIP ( why two? ). Seems to me XXXX paid my property tax and XXXX XXXX also claims they paid the tax. Someone owes me property tax as it was paid twice. And seems XXXX owes me {$210.00} for double payment of FHA MIP, and probably owe me more money that I'm not understanding as they make everything complicated. They've dragged their feet by not finding my account ; I provided info ; they emailed me today that my account is closed and they're not doing anything further. This is unacceptable! For all I know, they kept my money!
|
| 02/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was recently sold from United Shore Financial Services , LLC DBA ( United Wholesale Mortgage ) to XXXX, XXXX. The sale was apparently sometime in XXXX as United Wholesale Mortgage stopped accepting payments as of XXXX/XXXX/16. All of this is fine, except they never notified me until after my XXXX/XXXX/16 payment was due. I have direct payments set-up and noticed my mortgage payment was n't taken out of my account on XXXX/XXXX/16. I looked on United Wholesale Mortgage 's website and found in the document center that I had XXXX page letter dated XXXX/XXXX/16 informing me of the transfer. I never received email correspondence of this or physical mail correspondence ( I did finally receive the note on XXXX/XXXX/16 notifying me of the sale ).
I just received my account information as well as a bill for my XXXX/XXXX/16 mortgage payment yesterday ( XXXX/XXXX/16 ) from the new servicing company, XXXX XXXX XXXX, XXXX. My issue is the fact that I have a past due amount. I have never been late on a payment in my life and the fact that it will show up on my credit report as a delinquent payment is quite unsettling. The delinquent payment lies directly on the shoulders of the ineptitude of these XXXX companies. I have sent my payment today ( XXXX/XXXX/16 ) and it wo n't likely post for a few days.
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United XXXXXXXX XXXX and its escrow sub-servicer, XXXX XXXXXXXX, did not pay or disburse my homeowners/hazard insurance by the due date.
****United XXXXXXXX XXXX and XXXX XXXX XXXX dba XXXX XXXX clearly violated Regulation X, 12 CFR 1024.17 ( k ).
****My mortgage refinance closed with United XXXX XXXX XXXX XX/XX/2019. At the time of closing, an escrow account was established to pay property tax and homeowners/hazard insurance. My homeowners insurance policy was due XX/XX/2019 and no payment was made by my mortgage servicer. It is important to note that I have not been 30 days late on a mortgage payment and the escrow account has sufficient funds to pay the insurance amount.
****It is reasonable to think that United XXXX XXXX and/or XXXX XXXX deliberately failed to pay my homeowners insurance policy in order to issue FORCE PLACED INSURANCE. This unfair, deceptive, abusive act and practice should not be allowed.
XXXX*If United XXXX XXXXXXXX and/or XXXX XXXX did not purposely fail to pay my hazard insurance, this it was INCOMPETENCE on United XXXX XXXX for failing to adequately supply its sub-mortgage servicer with all the information to pay my hazard insurance. If United XXXX XXXX did supply XXXXXXXX XXXX with my hazard insurance information, then the INCOMPETENCE falls on XXXXXXXX XXXX.
|
| 12/26/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I started a refi back in late XXXX.
Everything was going well until we got to the last part of the deal when I learn XXXX XXXX had flagged my account ( due to the refi ) and they did not pay the property taxes on time ( violation of 12 C.F.R. 1024.35 ). I have incurred late fees as a result of their actions.
Additionally, they have delayed on every attempt I made to resolve this matter in a timely fashion, which has now compromised the lower interest rates I have locked in with the new lender.
I've tried everything imaginable to work this out in a reasonable amount of time but as of this moment all I can get from them is a very basic email saying they will pay the taxes BUT nothing on when they will have it done and very limited movement on them working this out.
The money was in my escrow account and I have not been late with any payments.
I'm a XXXX Veteran on a very tight budget so the lower interest rate would help my livelihood.
I do not understand why or how this could happen as I'm now stuck waiting and hoping things will get righted.
Anything you can do to assist is appreciated. Time is of the essence and I understand I risk losing the deal and some financial hardship however I would not want any other Veterans to have to go through what I've endured these past few weeks.
|
| 12/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a 15 yr. fixed mortgage with Shore Mortgage and my loan was made in early 2014 with a PMI that was to be removed automatically when the LTV reached 78 %. My loan was for XXXX and the property had an accessed value of XXXX at the time of the loan. My goal was to pay off this loan in 10 to 12 years so I have made extra monthly payments that has lowered my LTV making it eligible for PMI removal.. My loan balance is now below XXXX and has exceeded the point where the auto removal should have been made. I contacted Shore mortgage and they want me to pay for a drive by appraisal of $ XXXX before they will remove the PMI. There is nothing in the contract about a drive by appraisal but I have no objection to this or even an inside appraisal but the fee for this should be on them. A real estate agent told me that she could quickly sell my home for XXXX. Now I am also told that if I do not pay the fee for the drive by that the PMI will continue until the date that would be the normal amorization of the loan for the 78 % if I had made no extra payments. This is a rip off and violates everything I have been told by Shore Mortgage represenatives as well as what is in the contract. What I want is for the PMI to be stopped and all overpayment above that required to meet the 78 % LTV to be returned.
|
| 07/06/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
This complaint is against United Wholesale Mortgage , LLC. Since XX/XX/XXXX, I have had a mortgage financed through this corporation. I have never missed a payment to date. I receive calls on a daily basis, sometimes multiple calls within a XXXX hour period. I receive calls despite never being more 30 days past due on a payment. I receive calls starting on the XXXX of the month ( due date ), even though the terms of my mortgage allow for payment up to the XXXX of the month without incurring a late fee. I have never been so harassed by a single company in my entire life, and I deeply regret having ever obtained a mortgage through this company. It is undue harassment given that I make all my payments. Today, XX/XX/XXXX, I received yet another robocall stating this is an attempt to collect a debt ( which is inappropriate given I have until the XXXX under the terms of my mortgage schedule to make a payment and I am up to date on all required payments. I told the representative today that the monthly balance for XXXX ( which can be paid without a late fee until XX/XX/XXXX ) would be paid. If I receive another call within seven days of my communication with UWM about this months payment, I expect action to be taken based on the CFPBs own policies under the Fair Debt Collections Practice Act.
|
| 07/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Lender : UWM New home purchase : XXXX Upcoming Taxes paid at closing Location : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX Hello I purchased my home with all upcoming taxes paid at closing.
There was a tax bill due in XXXX.
It wasnt until XXXX I discovered it had not been disbursed for payment.
Sent email to lender to which in their confusion they stated I would need to pay out of pocket. I had to furnish all applicable documents highlighting the monies already paid into escrow to cover the taxes.
After much back and forth they apologized and stated they would pay the unpaid delinquent taxes.
It is now XXXX. My home has been purchased in a tax sale because UWM has made error after error and no corrective action has been made to protect me against a unpaid tax sale.
I have spent many hours via phone and email attempting to get UWM, the subject matter expert to correct their error with no resolve.
In this time I have had anxiety and sickness due to their callousness and lack of professionalism in this matter.
Ive been left vulnerable and now I am facing someone buying my home out from under me because of their wreck less and unethical behavior.
I need help. I am not a subject matter expert in this field. I feel unprotected and attacked.
Regards XXXX XXXX
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a loan with UWM loan # XXXX. I never received the first payment mortgage coupon so I mailed in the first payment coupon received in the loan documents with a paper check. If I sent in an electronic check from online banking I could not attach the payment coupon, then the payment was never cashed so I called the bank and they could not find the loan with the loan number I had, so I called my account representative who told me she gets a list of everyone that's late on a mortgage, if my payment wasn't received I would be on the list. Again XXXX, sent an online banking checking with same account number as they still showed not record when I called in and my XXXX confirmed, if they didn't have the payment it would be on the list. Then late XXXX I receive a call that a payment is late, it's electronic recording and doesn't mention a loan number. I call again and finally now they can find my loan and said they haven't received payment for XXXX or XXXX. I explain to them the situation and they basically tell me they haven't received either payment, finally XX/XX/XXXX after sending in all the proof the XXXX payment was made they Found it and marked it as received but still late. I did everything correctly and they are giving me a 60 day late because of their problems with the system.
|
| 04/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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My Mortgage is financed and serviced by United Wholesale Mortgage ( UWM ), NMLS # XXXX. I have been trying to set up biweekly autopayment for paying mortgage since the XX/XX/2022. Customer service of UWM assured that my biweekly payment mortgage has been set. I was under the impression that this will happen so I did not check whether it's happening. This ended up in me missing two month mortgage payment because UWM negligence, which was not notified to me. However, UWM sent this to debt collector without notifying me. I paid the missing payments as soon as I found the issue of UWM failed to set up biweekly drafting. I have called UWM multiple times since XX/XX/XXXX. Every time I call I get assurance from that UWM representatives have addressed the issue and give a next draft date. However I don't see that It's Happening at all. UWM so far has been doing this merry go round each time I call them. I called customer service today ( XXXX @ XXXX ) I don't see the resolution happening yet. Now I have come to the conclusion that UWM is deliberately discriminating because of my ethnicity so that I can not avail the benefit of Bi-Weekly payment. I came to this conclusion that the UMW is discriminating because of my ethnicity even though I am paying mortgage on time, each time.
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| 07/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Date : XX/XX/2022 at approximately XXXX PST.
United wholesale mortgage ( UWM ) does not have oversight of required insurance policies. I received a notification to update my XXXX XXXX XXXX XXXX and to submit my insurance information through XXXX XXXX XXXX The notification indicate my condo policy expired on XX/XX/2022.
But my policy shows the policy expires on XX/XX/2022.
I uploaded my policy, and it was rejected without reason.
I tried contacting a representative about it.
But the webpage XXXX XXXX XXXX does not have a working contact number ( XXXX ) XXXX as indicated was discontinued. So I contacted the representative over at UWM servicing about my insurance submission at XXXX the representative told me she was not able to make any updates to the account regarding the insurance policy I have submitted. In addition, can only advise me to re-submit the same policy through the same portal, without a field for explanation.
My property is a Condo so the master policy is under the HOA association 's name. However I can't communicate this fact to the servicer because the system doesn't allow it. I have also gotten a personal XXXX insurance under my specific name and uploaded that onto the portal just to attempt to resolve the issue. But I was still rejected.
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| 12/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2022, I was approved for 6 months of payment for my mortgage by the Federal Funded program called XXXX XXXX XXXX XXXX XXXX XXXX by the Florida XXXX XXXX XXXX. My payment were issued to the mortgage company beginning XX/XX/2022. I was informed by a XXXX employee that the payment was indeed mailed out on the XXXX of XXXX. I waited until the XXXX of XXXX to see if payment was going to be posted to account but it wasn't. I placed a call to United Wholesale Mortgage on the XXXX and was informed they have not received a payment. I then called back to XXXX and was reassure that payment was sent. I have placed called several times a week with United Wholesale Mortgage regarding my XXXX payment was told, they have no payment for XXXX. I went back and forth with reps from UWM as to verifying wirh XXXX where they sent the payment and it was indeed sent to the righr address. I was then told they have no knowledge of me even having applied for any type of assistance from the program. I then forwarded my award letter from XXXX to XXXX as documentation that I applied and was approved by the program for 6 months of forward payment. My mortgage is now 1 month behind and has now accumulated a late fee. I'm asking for help in getting these payment applied to my account.
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| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I refinanced my mortgage in XXXX 2022. After closing, the mortgage was purchased by United Wholesale Mortgage. I have no Escrow account on this mortgage, as all taxes and insurances are paid in-full by me separate from the mortgage.
On XX/XX/2022 I received an email from UWM at XXXX. that they had made a payment to an insurance company on my behalf When I logged into my account I saw that they created an escrow account on my mortgage account, and sent {$1200.00} payment to an ( unknown ) insurance company I never heard of.
They did this without my knowledge or consent. My insurance policy was paid-in full BEFORE UWM bought my mortgage in XXXX 2022. AT NO TIME did UWM ever ask me to provide evidence of insurance ; in fact that was provided to them when they purchased the loan from the previous lender, as it was including in the title closing package as PAID IN FULL.
I immediately contacted UWM asking why this happened? It took 3 days for them to respond, at which point they asked me to provide proof of my hazard policy which I did. I have done so, and am now trying to get this escrow account and {$1200.00} refunded.
I received no apology or explanation as to why they did this, which leads me to believe it was a deliberate attempt to de-fraud me.
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| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Under the current unforeseen and extreme circumstances we are living through, I decided to call my lender United Wholesale Mortgage , XXXX for assistance. I was hoping to delay my mortgage payments for 2 to 3 months since all my jobs have been put on hold. They offer what they call Payment Forbearance. The idea behind it is that you do not have to pay your mortgage for up to 90 days, but at the end of the Forbearance period, you would owe all the payments at once. They do offer the option to then make one payment, or make a payment plan. Now, let 's think about this for a minute. How is this of any assistance to anyone under financial hardship? This plan is based on the assumption that at the end of the pandemic, if the effects last only 90 days, people will have the ability to produce 3 times the amount of income, or let 's say 120 % of the income to meet a payment plan and make sure the # 1 lender in the country doesn't loose a penny or wait a few months to get their money? How is this allowed? How are this people not being controlled? Why is the government not protecting us from these ruthless financial institutions?
I'll be filing complains with California, Michigan and the federal Government to start. We can be better than this.
XXXX XXXX
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| 11/16/2023 |
Yes |
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- Trouble during payment process
- Loan sold or transferred to another company
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Web |
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An initial assumption package was submitted by new buyers to the assumption department of United Wholesale mortgage via email on XX/XX/. I'm currently the owner with my partner and we feel we are being spoken to and no progression has been made.
after the initial contact and confirmation that the package was received on XX/XX/XXXX there has been no additional communication from UWM in regards to the next steps in the process. There have been no request for income documentation or anything for that matter. it has been 70 days with no further action seems very excessive.
when i call in the response is always the same. it has been received and it can time to review. I sent in a email for the department to escalate on Thursday, XX/XX/XXXX and when i called in the next day i was told i would take 72hrs for a response from a manager. I called yesterday and the representative stated a manager was on a call and she would call me back that day, never called me. I called back today and said i wanted a manager and she said they are busy. i advised i never got a call back yesterday and i wasn't getting off the call until i get some answers and a manager and she said i can't wait on the ling and hung up. This is ridiculous and horrible to go through.
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| 01/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I set up my mortgage payments for auto pay on XX/XX/2018 Before I went out of town to visit my mother whom lives out of the country. On XX/XX/XXXX, on XX/XX/XXXX and again on XX/XX/XXXX to login to my online account to verify that my payments had posted but was unable to. I kept getting the message, " 500 Internal Server Error ''. I returned on XX/XX/XXXX to spend XXXX with my husband. I checked my accounts and realized that my XX/XX/XXXX and XX/XX/XXXX Mortgage Payments had not been drafted. I called United Wholesale Mortgage ( UWM ) immediately I left messages for two days prior to getting someone on the line. I finally was able to get through and brought my account current. The late payment now shows up on my credit report and my score dropped 120 points. I have been building up my credit to buy a vehicle so that I don't have to walk in the cold with my children. Now I can't qualify for the loan due to the drop in my score. I called UWM and they advised me that I needed to file a complaint. They agreed with me that it was a mistake but advised me that I needed to file a complaint in order to have it removed. My credit score was impeccable prior to this erroneous late payment reported on my credit. Please Help. I am distressed. Thank you.
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| 08/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, I reached out to my mortgage company, United Wholesale Mortgage ( UWM ), to remove XXXX from my loan. Once the issue was escalated via CFPB Complain No. XXXX in XX/XX/XXXX, we finally made traction on the process to remove XXXX. In correspondence dated XX/XX/XXXX, XXXX XXXX, Director of Consumer Affairs apologized for the delay and stated that we will receive a " reimbursement for additional XXXX premiums paid due to the processing issues which occurred. '' In XX/XX/XXXX, I received correspondence that I met the requirements for the removal of XXXX and that my monthly mortgage payment amount would be adjusted effective the XX/XX/XXXX payment. It made absolutely no mention of the reimbursement due to the delay in processing my removal as promised by XXXX XXXX. Again, I reached out to the company via postal mail requesting reimbursement for the XXXX premiums paid during the processing delay. In correspondence dated XX/XX/XXXX, I received a check from XXXX in the amount of {$15.00} which " represents a refund of an unused premium from my XXXX company. '' To clarify, the processing issues began in XX/XX/XXXX and were resolved XX/XX/XXXX and in no way does {$15.00} amount to the XXXX premiums I paid since my original inquiry.
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| 03/13/2019 |
Yes |
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- Trouble during payment process
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Web |
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I made a payment on the XXXX, which was a Friday, due to how XXXX XXXX XXXX processes payments, the payment is processed until the next business day which would be Monday.
the XXXX is the last day to make a payment or you're late/ Anyways, This time I decided to use XXXX bank through their API that they integrated on their ( XXXX XXXX XXXX ) Online Payment Portal ... Come to find out 2 weeks later that although i was given a receipt and confirmation of payment, the payment had an error and they would be charging me late fees+ interest+ reporting to my credit.
After making an immediate payment after coming to find out how they XXXX up royally ( i even made the next months payment at the same time just so I don't have any issues again ), they said they would fix my credit reporting to make sure it doesn't hit on my credit.
Loe and behold another 2-3 week goes by, I check my credit score and it's gone down 115 points due to " missed payment '' on the mortgage ... I filed through XXXX, no success. I have been in contact with XXXX and they refuse to give me the credit departments phone number, they take 2 weeks to respond to simple emails and at this point, I want to hire an attorney and take them to court for damages they've caused.
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| 06/01/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I was granted a 100 % XXXX XXXX XXXX XXXX XXXXXXXX effective XXXX XXXX XXXX. On XXXX XXXX XXXX I worked with the XXXX XXXX XXXX XXXX to submit my homestead exemption, which resulted in total exemption from property taxes. On that same day, I began the process of trying to work with my mortgage company, United Wholesale Mortgage, to apply that approved tax exemption to my escrow account.
I have initiated contacted my mortgage company multiple times, via phone and through their online message center. They state that their policy does not allow them to update my escrow account until they have a property tax statement, but my county tax office will not issue a new statement until XXXX XXXX As a result, I am left paying money to my escrow account, fully knowing that it will be returned to me in the future, minus the value it depreciates due to inflation. Additionally, I recently became unemployed and this situation is resulting in undue financial stress.
My mortgage company has refused to consider my situation, despite repeated efforts to explain and escalate within their organization. I view their lack of support as criminal, as they continue to hold on to my money and deprive me of the opportunity to invest/earn interest on my money.
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| 03/09/2021 |
Yes |
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- Trouble during payment process
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Web |
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I started a refinance in XXXX to get into a conventional loan and during that process it was found that my property taxes were never paid 3years ago by XXXX. I contacted my current loan servicer, and they informed me that this mistake was made by XXXX and they did not receive any escrow funds from them and they were not responsible. I then contacted XXXX multiple times and finally found out that they collected the funds from me but never paid them to the county nor issued a check for the overage to me. They made promises that they would send the check out in 1-3 business days and this kept happening for three months. I finally received the check, deposited it, and it bounced 3 days later! I then called XXXX multiple times, with multiple managers and left several messages with no return call. I believe this company is practicing fraudulent activities, at the very least they are engaged in unethical practices. If i hadn't of stumbled on the information, they would have kept my money without any notification to me. Not only has this placed a huge financial burden on our family, i have been unable to refinance due to this. I am also on the hook for XXXX in penalties and interest for their mistake, which they have offered zero help with.
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| 10/05/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I started the FHA XXXX Refinancing process with XXXX XXXX in XX/XX/2020, and I was informed the process would be approved XX/XX/2020, with an interest rate of 2.9 % ; and I would skip the XXXX mortgage payment. On XX/XX/XXXX I received an email from XXXX, XXXX Representative informing me that I would have to make the XXXX mortgage payment. At that time, I had to pay late fees because the payment exceeded the XXXX grace period. I was then informed my refinance would be approved for XXXX XXXX it was not ) and then XXXX ( it was not ). Due to the mishandling of my refinancing I received two late fees and now the inability to do a FHA XXXX XXXX and my credit score drop substantially, which hinders my ability to refinance for the next six months to a year. This situation has placed me in financial hardship and I need resolution. I have text messages and emails to substantiate everything I've listed. I would like to place a FORMAL complaint against XXXX. I have a wonderful credit history prior to this process. The way my case was handle was unprofessional and has caused stress in my household. We are already dealing with a pandemic and this has truly taken me over the edge. I am requesting your immediate attention to this request.
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| 03/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We bought our home XX/XX/XXXX. The escrow account was set up to cover all taxes and insurance. In XX/XX/XXXX, the company reassessed our escrow and changed the terms. It lowered our obligation by several XXXX dollars and refunded {$1800.00}. While they were doing this and sending us mail about the change, the company transferred our loan to someone else.
We thought the change in escrow was from the new company. We had argued that it shouldn't be changed and was told, our records show you don't need to pay this much.
This XXXX we received a notice that we owe {$5000.00} to our escrow because we are short. They want to a ) have us pay it in full or b ) pay {$400.00} more a month on top of increasing our mortgage payment to the original amount. We can't afford either solution.
We called the company and spoke with XXXX ext. :XXXX. We requested an audit on the escrow. We are supposed to get an email by the end of the month. They asked where we want to go with this and we told them " We need to be compensated for their error in the audit and change of our original terms in our Escrow disclosure. This is and will put a tremendous strain on our finances. '' We've tried to reach out again. The company hasn't returned our calls.
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| 04/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Homeowners Protection Act ( HPA ) provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation.
I have reached out to the lender multiple times in writing asking for guidance on cancelling my PMI on my mortgage. The values of properties have gone up significantly and I have made improvements on my home significantly increasing the value of the property. I have well over 20 % equity in the property and the lender will not respond to my request for cancellation of mortgage insurance or request/order an appraisal or PMO to cancel the PMO.
The lender states in their communication with me that significant remodel such as a kitchen or bathroom qualify for re-evaluation of LTV. Upon contacting the correct dept. about this matter I continually get responses saying " Please wait 30 days for a response '' The lender is ignoring my attempts to re-evaluate my LTV and remove my PMI from the mortgage. My LTV is currently in less than 75 % and still m lender has not responded to my request.
At this point I expect back payments ( reimbursement ) for Private mortgage insurance that should have been previously removed when my value exceeded the threshold of 75 % legally requiring the cancellation of PMI.
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| 07/25/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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In XXXX received a VA home loan through United Wholesale Mortgage. In XXXX I attempted to do a refi through the VA but was told by XXXX XXXX that the gaurentees were never attached to the VA loan. Again, in XXXX I attempted to do a VA refi and found the guarantee was still on a house at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX because of a assumption of my loan with a non veteran. That loan was refinanced and the guarantees were released.
XXXX XXXX for the XXXX home never submitted the refi to the VA and UWM never attempted to place the loan with the VA.
I was advised to have UWM, the original loan holder on XXXX XXXX XXXX XXXX, Mi. XXXX. This was submitted to UWM on XX/XX/XXXX. I haven't received any updates and my calls to UWM just leads to confusion on the part of UWM. I'm told it is with the research division and I should get an update within 24-48 hours ... it has been 12 days with no update or no one to contact.
I have been attempting to do this refi for almost 2 months now. This is costing me considerable money due to the current rates in the 2.5 % range and the current mortgage rate is 5.25 %. This should have never happened and I'm feeling as if the mortgage company is trying to avoid correcting their error.
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| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Home Loan with UWM. Flood Insurance renewal due no later than 29 days past expiration XX/XX/XXXX. UWM rec 'd notice XX/XX/XXXX, overnighted payment to XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX ( incorrect address ). Refund has been receivd by UWM and deposited to Escrow account.
Rec 'd 2nd past due notice Flood Insurance, Ins Broker and I contacted UWM, UWM sent XXXX disbursement Flood Insusrance XXXX, MT ( correct address ).
Interium period, Flood Insurance lapsed losing " Pre-FIRM subsidized rate '' of {$2300.00}. Ins Broker looking for new rate, rate is {$3000.00} to {$4000.00} Plus.
XXXX XXXX XXXX XXXX XXXX RENEWAL PREMIUM NOTICE states in item # XXXX : Effective XX/XX/XXXX, policies currently receiving Pre-FIRM subsudized rate may lose the eligibility to maintain those rates if payment is received more than 90 days after policy expiration date.
If the XXXX disbursement was sent by UWM XX/XX/XXXX, surely the payment would have been received sometime in XX/XX/XXXX. 90 days from expiration XX/XX/XXXX would have been XX/XX/XXXX. Contacted UWM, National Flood Insurance and FEMA ( can flood insurance be dropped, California is in a drought ). These agencies/companies are not offering a resolution.
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| 01/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In 2019, I refinanced to reduce my interest rate. I was matched with UWM ( United Wholesale Mortgage ). Within the first 2 months, i tried to setup by monthly payments to try to pay off the mortgage quicker. I was told that i need to make 2 months payments in order to begin the by monthly payments. After i made 2 months payments, i was told the money was applied towards the principle. I was told to make another 2 months of payments. After 2 weeks i called and was told the exact same thing. Within 2 months, i made 6 months worth of payments. Then COVID hit. I lost my Dad and then i lost my job. Because i had made 6 months worth of mortgage payments ( over {$25000.00} ) within 2 months, i had depleted my savings and was not able to make my mortgage payments. i applied for forbearance and was given. I am currently applying for the XXXX XXXXXXXX. The state is requesting information from the mortgage company and they are refusing to send the information. This has delayed my application for over 3 months and will cause me to lose my home to foreclosure. I also found out that the mortgage company that i thought owned my loan UWM is not the owner of my mortgage. The mortgage is owned by XXXX which owns UWM.
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| 07/23/2021 |
Yes |
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Web |
Older American |
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I signed a purchase contract on XX/XX/21 and started the mortgage process with United Wholesale Mortgage in XXXX, MI. The usual process of paperwork was started and was progressing towards closing. The initial date for closing was for XX/XX/21. I received my 3 Day Closing Disclosure on XX/XX/21 and was told to wire funds to attorneys office for {$19000.00} on XX/XX/21. The closing did not take place until XX/XX/21. On XX/XX/21 at XXXX XXXX I was notified that I needed an additional {$6000.00} to close the loan the next morning!! I asked why and was told that the back ratio had changed to 46 %. At the given time, the FHA guidelines allowed me up to 52 % debt ratio without any problem getting the loan. I said that nothing had changed with my debt or income, how could that have happened. I was never really given an explanation. I was desperate to close the property. I received my final Closing disclosure at the closing table at the attorneys office at XXXX XXXX on XX/XX/21. I feel that I wasn't give the proper notice before closing. The loan amount changed, along with amount to close, and the interest rate. I wasn't given a 3 Day Disclosure with all of these changes until at the closing table.
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| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My loan was transferred from United Shore Financial Services , LLC to XXXX XXXX XXXX XXXX. I recieved a Letter from United Shore Financial Services on XXXX/XXXX/2016 stating that my loan was transferred effective XXXX/XXXX/2016. The date on the letter XXXX/XXXX/2016 and they are located in New Jersey. There is no way it takes over 3 weeks for USPS to deliver a letter to anywhere is the USA, so for whatever UWM did not mail it out right away. The letter states that they will stop accepting my payment effect XXXX/XXXX/XXXX and I need to pay XXXX directly. I was enrolled in automated payments and they stopped drafting from my bank. I have recieved NOTHING from XXXX yet. I do n't even know my account number so I ca n't mail a check to them today. I read online that if my loan is transferred then I have to receive notice 15 days prior to the transfer. I never received that notice until 4 days after the transfer. Now my payment is going to be late to XXXX and I do n't think this is fair. United Shore Financial Services was required to give me notice that it was transferring my loan. If they did that I could have called XXXX before XXXX/XXXX/2016 and got my account number and sent a check out.
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| 10/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, This is my second complaint regarding the same group of lenders/loan officers associated with my mortgage. Below is their information : XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage XXXX XXXX XXXX XXXX ) XXXX BROKER XXXX Loans NMLS/SC LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX My first complaint was about Anti steering law that the lender and loan officer did not abide by. My complaint is unresolved to date.
This is a complaint about the loan payment setup. I was repeatedly promised that there was no penalty to pay off the loan sooner than loan duration and that I will have the option to choose to pay at a bi-weekly pace. I have repeated confirmation from the loan officer from well before closing and from today XX/XX/2022 over the phone, my loan officer confirmed the same yet again. However, United mortgage 's representatives said they do not offer true biweekly payment opportunities. They instead offer a budget payment option that is not the same as biweekly and I am not interested in this make-shift option. I would like for the loan officer and the lender to clarify and rectify this issue immediately.
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| 12/14/2021 |
Yes |
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- Trouble during payment process
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Web |
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I have been trying to refinance my property for several months now and have been unable to do since my current mortgage company will not send me a copy of my forbearance letter which is needed to refinance.
I have requested this 14 times and every time they say they will send it. It has not ever been received. Several times I have asked to speak with a supervisor, and the lower level people I am talking with tell me they can not do that and the supervisors do not take calls?? If they get paid to service my loan the least they can do is send me a copy of a mutually agreed upon form that everyone in there organization can see on their computer screen, but now one has the authority to send it to me? I have been handed off to several different departments and am always getting the same story.
This is a company with bad policies that are not consumer oriented. I have been requesting this form since XXXX, and I am about to lose my second rate lock in a market where rates have increased dramatically. This is costing me money and a whole lot of time! I am hoping you can help me on this simple issue that should not have turned into a nightmare!
XXXX XXXX XXXX XXXX
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| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage company is saying I am in default because I have not paid the correct amount of taxes and insurance towards my impound account. I have supplied them with a copy of my current property tax bill but they have disregarded it and arbitrarily using a number 151 % above my current tax bill. They raised my monthly payment from {$2100.00} per month to $ XXXX month.
XXXX annual taxes are XXXX / XXXX = XXXX Insurance {$640.00} / XXXX = XXXX P & I Payment is only XXXX My total payment due should be XXXX They sent me a letter stating they will return any payment less then the new full amount and I am in default and they are going to start foreclosure on my house.
I just refinanced XX/XX/2020 and they took XXXX for tax impounds and {$910.00} for insurance. It is numerically impossible for them not to have enough money in my impound account to cover my taxes and insurance.
Every time I call UWM I am passed around and disconnected. No one seems to know what they are talking about. Now they are saying my account has been referred to collections and they can not talk to me anymore. Please help I have never been late with any obligation in my entire life.
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| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2022 I received 2 letters from the XXXX XXXX XXXX tax collectors office stating that I am delinquent from years XXXX and XXXX. They say that I owe almost {$1500.00} dollars when I make all of my escrow payments on time and my bank UWM even sent me a check last year of around {$600.00} dollars because the " escrow had too much money ''. In the letters I am getting penalized with late fees and they are giving me until XX/XX/XXXX to pay. They also put a small statement in were it states that the property could be put in a public auction or tax-defaulted. I pay my bank and escrow an incredible amount of money that is targeted exclusively to insurance and county taxes. Is the job of United Wholesale Bank to make the totality of payments and on time. My only responsibility is to pay my mortgage payments in full and on time. The irresponsibility from Escrow could be costing me my residence and issues with my local tax collectors office. I want them to fix their mistake or underpayment and to do it now. I don't want to be surprised with penalties or ridiculous increases in my escrow. It is their problem if they underestimate. They made a big mistake.
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| 03/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage ( UWM ) - Failure to return escrow funds in a timely manner as prescribed in CFR 1024.34 ( b ) ( 1 ) My mortgage balance was paid off on XX/XX/2021.
I received a letter from XXXX dated XX/XX/2021 indicating my mortgage was paid in full and, " Any funds remaining in your escrow account, or funds received in excess of the payoff amount, will be processed and returned in accordance with applicable state and federal laws ''.
As indicated by XXXX and the online portal ( XXXX ), a refund was processed on XX/XX/2021.
On XX/XX/2021 I called the customer support number ( XXXX ) asking about the status of the refund. I was told by customer service that checks take a further 5 days to be produced and mailed out. That would place XXXX outside of the 20-day requirement to return remaining escrow balances. I asked XXXX customer support for proof of mailing but they are unable to produce one. Customer service says the United States Postal Service ( USPS ) is slower than usual. That is an unacceptable excuse when they can't produce proof that it was placed in the custody of the USPS.
As of XX/XX/2021 the refund has not been received.
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| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2023 we initially reached out to the mortgage company to request an off schedule escrow analysis. We had received our county tax bill and it was significantly different than what UWM had been holding back. They ran the analysis and mailed us a refund check of {$6600.00}. Yet they didn't change the amount of escrow they were holding back, they actually raised our monthly payment. We have repeatedly reached out via message, chat, and phone to try to work out the issue and get our payment to the correct amount. They have continually told us they are researching the issue and will get back to us by a certain date. Inevitably the date arrives, we reach out again and they push us off to a later date. It has now been 102 days with no resolution. They are reserving {$8200.00} in our escrow account for taxes, however our annual tax amount is {$3100.00}. Our monthly payment should be reduced by {$410.00} dollars. After all of this communication back and forth we just got a notice that they have sold and will be transferring our mortgage to another servicer on XX/XX/XXXX. This means we'll have to start the process all over with a new company.
|
| 05/06/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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We had autopay set up with United Wholesale mortgage. In XXXX of 2021 we contacted UWM and needed to change banks for auto pay. We walked through changing bank information with representative at UWM. In XX/XX/2021 and she said we were all set. We received a US postal default notice from UWM ( first and only notice ). We immediately contacted UWM and they had no answer for why the auto pay did not work with the new bank. After some review they noticed that all the banking information - account number and routing number- were correct. They found that my wife 's middle name was not on the auto pay request and that was given as the reason why it may have been rejected. The representative stated he did not now why the auto pay did not work because all the other information was correct. We corrected and added my wife 's middle name and all subsequent payments have been made successfully. We disputed this with XXXX ( we have membership with them ) and they attempted to resolve the issue and may have reduced the default remark to a 30 day late pay on my credit score. My excellent credit score of XXXX was reduced to XXXX and currently stands there.
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| 05/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2021 - UWM ( United Wholesale Mortgage ) accessed my two checking accounts for 14 unauthorized transactions. My XXXX XXXX XXXX account they took out {$300.00} seven times, and put back {$300.00} seven times causing overdraft fees. On the same day to my XXXX XXXX XXXX account they took out {$1000.00} seven times and put back {$1000.00} seven times. Both of these cause my banking accounts to be flagged as a risk. All unauthorized transactions.
On XX/XX/2021 illegally accessed my XXXX XXXX account again pulling out my rent of {$1100.00} and then pulled out my rent again on XX/XX/2021 for the exact same amount of {$1100.00} duplicating my rent payment.
UWM website states that they were having payment issues for many customers and it would be resolved by Monday XX/XX/2021. Funds were not returned. I called and they have not resolved the issue stating they needed my banks verification to reverse the charge. Multiple overdraft fees have been incurred. My bank has referred me to the banks collections department despite a three way call that was meant to verify the funds had been debited that would have fixed this issue.
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| 01/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My home 's value was re-assessed in XX/XX/2021 which raised my property taxes. Once I received notice that my taxes would go up, I immediately went to my United Wholesale Mortgage XXXX XXXX to ask an agent what actions I would need to take to make sure my property taxes were taken care of. The agent told me that there was nothing I needed to do and XXXX would take care of it and my new monthly payment would include the new property taxes.
After months, I started receiving delinquent bills from my taxing bodies ( City, School ). I contacted XXXX and again, they told me no further action was needed on my end. I continued to receive delinquent notices from Collections agencies and they told me they would put a lien on my home. After all the misinformation, I eventually ended up having to pay the taxing bodies myself. This resulted in XXXX of dollars of penalty fees.
I have images of the agent chats I had with United Wholesale Mortgage. I understand it may have been a mistake on the agent 's part, but it was deceptive to me and resulted in XXXX of dollars in fees that I paid based on incorrect information provided to me.
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| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I currently have a mortgage through United Wholesale Mortgage. I have had a loan with the institution since XX/XX/XXXX. Since the loan was originated, I have made all mortgage payments through the XXXX XXXX XXXX XXXX bill pay function. I submitted an XXXX payment on XX/XX/XXXX. The XXXX XXXX XXXX XXXX confirmed the payment was sent and even provided a scanned copy of the mortgage check showing United Wholesale Mortgage deposited the check, but not to my account. I have made several phone calls with little help. I have faxed, scanned and emailed the check to every person I have been instructed to. I have not received a response nor has the money been credited to my account. As of today, XX/XX/XXXX, my account is still missing the XXXX mortgage payment and they have sent the info to the credit bureau 's. I have all documentation from the XXXX XXXX XXXX XXXX confirming the check was sent, received and deposited. In addition, rather than speaking with an actual United Wholesale Mortgage representative, I am repeatedly transferred to a debt collection agent with no access to my account and put on hold for hours at a time.
|
| 07/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
United Wholesale Mortgage increased my monthly payment without notification. Because the payment is automatically deducted from my bank account, it created a risk of overdraft.
On XX/XX/XXXX, I spoked to two phone reps. One of them told me that, because I have selected " paperless, '' that I would have received notification through the website. I explained that I have not been able to log onto the website, even after I saved my login information. Additionally, I expressed the absurdity of a policy that would hold me responsible for checking the website for an increase in payment that I am not expecting.
A second phone rep attempted to help me log on and failed. A passcode was sent to me through the phone and the log on still failed. Then, the phone rep told me that someone would call me. To this date ( XX/XX/2021 ), no one has called.
My first complaint about the log in process occurred in the first couple of months of the UWM loan. The phone rep at that time insisted that the log in problem was due to some failure on my part and hung up on me when I expressed my anger with her.
XXXX XXXX XXXX XXXX XXXX
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| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
I am on XXXX XXXX orders covered by The California Military Families Financial Relief Act. I have mortgage with United Wholesale Mortgage. They are not complying with The California Military Families Financial Relief Act. I requested mortgage deferral and sent in my military orders in XX/XX/2022. It was approved. All communication is being done verbally as far as where the mortgage status is at. I can never get anything in writing. It has been several months since I have requested my mortage to be brought current and term extended, but I can not get that accomplished. The lender is asking me to pay {$23000.00} and keeps sending me to collections. They are ignoring the The California XXXX XXXX XXXX XXXX XXXX and keep me running in circles with long phone conversations about same thing as if noone is taking notes on anything. I'm at the point that I can not make payments anymore until I pay the past XXXX mortgage payments. It is unacceptable and is putting huge strain on me. I have made XXXX mortgage payment past 2 months and they have seemed to get frozen in the system and some applied to escrow. Please help.
|
| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
UWM incorrectly force placed insurance on my mortgage when they erroneously input the end date on my insurance as XX/XX/XXXX instead of XX/XX/XXXX. Because of that mistake, they force placed insurance of over $ XXXX backdated to XX/XX/XXXX.
They had proof of insurance from my former insurer as well as my following year 's plan. I've called them XXXX times and spent over XXXX hours trying to explain to their customer service team the mistake they made.
I tried to explain how non-sensical it was that my insurer would send them a non-renewal notice in XXXX of XXXX for XXXX of XXXX. Instead, they were notifying them of non-renewal in XX/XX/XXXX which is logical.
No one at UWM questioned this or tried to fix the mistake.
They made me call my previous insurer and confirm when my coverage ended, which was as expected XX/XX/XXXX My new insurance was effective XX/XX/XXXX.
I've had the insurance company fax that as well to go over and above my requirements to provide proof of insurance.
Meanwhile, UWM is not able to provide me the cancellation document or apparently locate it that states XX/XX/XXXX...
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| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I had a supplemental tax bill that I sent to UWM on XX/XX/XXXX via their designated email address. The bill was due on XX/XX/XXXX. The bill was not paid when checked on that date so I chatted with them. Their agent mentioned that they are still working on it and that is when I mentioned that there will be a late fee penalty if the bill is not paid on time. Their agent responded that they will pay the penalties. It is also mentioned on their website that if they miss the due date, they cover the late fee.
Today, XX/XX/XXXX, I started a chat with UWM and their agent mentioned that they received my supplemental tax bill on XX/XX/XXXX not XX/XX/XXXX and that this bill was paid as a courtesy and it is my responsibility so they are not going to cover any late fees. I mentioned to her that I emailed it on XX/XX/XXXX and have proof in my sent folder. I also mentioned their promise on XX/XX/XXXX to cover the penalties. She mentioned that they dont make promises and she is not sure who made that promise to me.
I have screenshots of both chat sessions, the one on XX/XX/XXXX and today, available for review.
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| 10/18/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage loan with my Boyfriend. We went through all the steps of underwriting, They had numerous approvals asking for some clarification or additional information, which we provided. On the last and final item the Underwriter asked for ( Bank statements for the previous 3 months showing that my pay-check went into the bank account ) I supplied more than the months requested along with the company payroll summary showing each pay-check and the Net amount of each check which lined up exactly with the supplied bank statements.
The underwriter then turns down my loan because he says I am married! I am NOT Married, I am single and Utah is not a community property state. The Underwriter waited until my earnest money was not refundable and I was set to close to make up that I am married.
I took additional classes and training to be able to secure a good, salaried job and once completed I got a promotion.
I have found out that the lender also completed a XXXX stating false reasons for his turndown and again making a false claim that I was married to owner of the company I work for.
|
| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
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Hi, my concern is my refinance mortgage in XX/XX/XXXX. My old conventional loan was with UWM, and my new refinanced conventional loan is with UWM. I used the same loan officer, and broker both times. My refi closed, funded, and disbursed on XX/XX/XXXX with a payoff for my old UWM loan good through XX/XX/XXXX. On XX/XX/XXXX UWM notified my escrow officer that we were XXXX dollars short on the payoff. That would be impossible, the payoff was good through XX/XX/XXXX. She sent another wire with that extra included. Then on XX/XX/XXXX UWM again sent another request stating that the payoff was short XXXX dollars. So the new payoff was good through XX/XX/XXXX and covered interest for the month of XXXX that I already paid with the funding of my new loan. So, reluctantly, I wired the shortage to title, and they sent the new wire out. So, in the end, I have double paid interest on an error with UWM 's servicing department. That is highly unethical, and illegal. I understand their servicing department has no idea what they are doing, however I want my money back, and money for the headache and hassle.
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| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage is still over charging me {$500.00} on my monthly mortgage payment, after I satisfied the escrow as a result on increased property taxes and insurance. Since XX/XX/2021 I have called UWM over XXXX times accumulating XXXX plus hours of my time and requested to speak to a XXXX on multiple occasions. Every time I end a call I make sure the the representative has notes detailing our conversation along with the necessary resolutions steps that need to be taken. The representative then says they have opened a ticket and my payments will be corrected in XXXX business days. I then log into my account on the XXXX business day to see that the payments have not been corrected. There is now {$10000.00} worth of reversal transactions and I don't know where the money went. The over payments are causing my checking account to go into the negative. UWM clearly does not have the proper controls and monitoring in place to resolve customer concerns and the Government needs to audit them. I work in risk and none of this is acceptable. I still have not talked to a XXXX at XXXX yet.
|
| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Refinancing my first mortgage in the amount of {$500000.00}. United Wholesale Mortgage is new lender, they sent the funds to XXXX XXXX XXXX, who is the title company in charging of disbursing the funds and closing the transaction on XX/XX/2020. As of yesterday XX/XX/2020 XXXX title had not yet paid off my old mortgage company which means I am being charge for two mortgages. My old one since they have not been paid off yet and the new one. Title company and the lender keep passing the responsibility to each other and keep producing new closing disclosures that they want me to sign. I am not sure why this is all happening as I signed all of my loan documents on XX/XX/2020 and to my understanding everything was fine!!! I just need help to see who is responsible to pay for their mistake. It should not be me since I did nothing wrong. I should not be paying for both mortgages. I have attached 3 difference CD 's produced by the lender, two after all my final loan documents signed. There is also a log of all the conversation taken place between my mortgage broker and XXXX XXXX.
Thank you
|
| 12/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX in his response to my previous complaint filed with CFPB stated that my " loan has been placed into the modification review process, with the underwriting process anticipated to commence within the next several days.
It has been 53 days since my loan has been placed into the modification review process and 1 MONTH since XXXX XXXX XXXX reply stating my modification will be completed " WITHIN THE NEXT SEVERAL DAYS ''. So far nothing has happened - No loan modification approval documents have been posted on my account and no one has called me letting me know Ive been approved.
On XX/XX/XXXX I emailed XXXX XXXX asking for an update on my loan. He replied on XX/XX/XXXX stating that there has been a delay for an unknown reason and will provide an update in the next few days.
Its been 10 days since his last email email. I have sent 2 follow up email since and have yet to hear from him. I have no update and no knowledge of what in the world is going on. So here I am again, resubmitting a complaint that was never resolved in the first place and falsely closed.
|
| 11/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
During Covid-19 shut down, my husband and I were out of work. We decided to do a forbearance on our mortgage incase we were not able to pay it during our lay off. After 6 months I called to resume my mortgage, as we both went back to work. My mortgage company reinstated my mortgage and added a 2nd loan for the missed months. They added a {$22000.00} 2nd loan. I asked they repeatedly to send me a breakdown of this 2nd loan and what it consists of. They have refused to give me this information. This has been going on sense XX/XX/XXXX. My loan balance started at {$350000.00}. We made 4 mortgage payments before going on Forbearance dropping out balance to {$340000.00}. After the forbearance period was over and my loan was reinstated my mortgage balance increased to {$350000.00}. If this is a non interest baring forbearance how did my principal balance increase by {$9500.00}. They will not send me any information to explain this to me. I need help. My mortgage is with United Wholesale Mortgage. Not only that but when I go on the website to view my past documents, they are now missing!
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I had filed a previous complaint XXXX about my United Wholesale Mortgage loan number XXXX which prompted a response from XXXX XXXX XXXX Director of Consumer Affairs at UWM on XX/XX/XXXX, but they have not only failed to return the {$1000.00} in overpayments they have collected in error, they neglected to inform XXXXXXXX their third party servicer to stop drafting the increased amount, and on XX/XX/XXXX, {$1800.00} was taken from my account. I confirmed today with XXXX at UWM that they received a refund from the overpayment of taxes and have credited my account on XX/XX/22 for {$1800.00}, but they have not refunded the {$1000.00} in overpayments they have taken from my account since this error. I have made several calls to XXXX and UWM since receiving the XXXX 'd letter from XXXX XXXX and although they have returned {$370.00} for the late fees and penalties they created by paying my taxes late, they have not returned my {$1000.00} or adjusted my payment. I should not have to wait for the return of my money, and I would like assistance in expediting the return of my funds.
|
| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
The mortgage company removed me from autopay without notifying me via emailing, then reported me to credit agencies for non-payment when my payments were cancelled by them.
For context, autopay worked fine for the first 6 months of the loan ( XXXX XXXX XXXX ). In XXXX, they told me autopay would be reset and I would need to sign up again. I signed up for autopay on XX/XX/2022, and I've attached the e-mail confirmation I received from them on XX/XX/2022 that autopay was setup and my first payment would be made on XX/XX/2022. Between XX/XX/XXXX and XX/XX/XXXX, they removed my account from autopay without notifying me via e-mail. Payments were never processed and they reported me to credit agencies when my account went 30 days overdue, causing a significant drop in my credit score.
I have complied with all of the mortgage company 's requests. I've messaged them, called them multiple times, they asked me to file disputes with credit agencies and I did ( they denied the disputes ), I've submitted disputes and Goodwill letters through their own system and they rejected them.
|
| 08/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We received a letter dated XX/XX/XXXX stating that the service of our loan with UWM ( United Wholesale Mortgage ) was being transferred to XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, we did not receive this notice until Friday XX/XX/XXXX and the start date for transfer was to be XX/XX/XXXX. This not only did not provide us with the full fifteen ( 15 ) days advance notice before the transfer would go into effect, and it did not allow us time to dispute with UWM the transfer and our concerns regarding the new service agent. Having the full 15 days prior to the transfer date would have been beneficial for us to research this new service agent more fully because we were already aware of the complaint of fraud filed in XXXX of XXXX against XXXX and the stipulated judgement and order for {>= $1,000,000} to borrowers and {$1.00} XXXX to cfpb. We want a reputable loan service company to service our loan. XXXX isn't even accredited with the XXXX and has an approval rating of 1 out of 5 stars. UWM is at fault for this lack on their part to notify borrowers in a timely manner.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
I was told by United Wholesale Mortgage that my XXXX payment was late. That the payment I had made didn't go through because of lack of funds. I grabbed my credit union account and found out that, during the month of XXXX, I DID make my XXXX payment on time, by XXXX XXXX. BUT .... UWM decided to hold on to process my payment until XXXX XXXX... XXXXwhich made the payment late so then they put on a late fee and then said I didn't have the funds in my account. They then said the same problem happened in the XXXX and XXXX payments so to bring it current I had to pay around {$5000.00} cash. I was flabbergasted! And UWM never returned the money I did pay on the mortgage.
So in very late XXXX I made another payment to UWM. They then said XXXX 's payment was moved to XXXX and I was now 2 months late. As a public school teacher I get paid twice a month. I was very disappointed that UWM wouldn't remove the late charges since I felt like the whole situation was never my fault. Bottom line now is that everything is current BUT UWM refuses to remove the bad credit from my account.
|
| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
This complaint is to address the incorrect escrow analysis generated on XX/XX/2023 and I believe it is incorrect because it is performing an escrow analysis on the old pre-loan modification payment of {$4600.00}. There is also a high amount of confusion for the following two reasons : 1 ) Escrow analysis generated on XX/XX/2023 says there is a surplus of {$2800.00} and 2 ) Signed loan modification says there is an escrow shortage of {$2400.00}.
As of XX/XX/2023, the loan modification has been notarized and signed by me and delivered by XXXX on XX/XX/2023. Therefore, can you please clarify which is the right number via an official letter? I think a new escrow analysis should be done after the loan modification is completed with the loan-modification payment number. If there is a smaller escrow shortage less than {$2000.00}, I would like to make an escrow-only payment to bring this escrow shortage to {$0.00}. Would UWM also consider to making my monthly escrow payment to be divided to 24 months instead of the standard 12 months ( as shown in this attached letter )?
|
| 04/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
If I make a payment today ( XX/XX/22 ) for my mortgage minimum payment, mortgage company applies that payment to various items ( interest, principal, escrow ), this payment satisfies XX/XX/22 payment If I make another payment today, XX/XX/22, same amount, my mortgage company will charge me ahead of time the interest that would have been occurred if I had waited to make the payment on XX/XX/22 I used to have my mortgage with XXXX bank and under the same circumstances they applied the second payment all to principal and escrow, as they only applied my payments interest portion to the unpaid outstanding interest The example above occurred the first month I paid my mortage loan.
This is predatory, as it encourages people to pay on the due date since they would not be saving any money on interest from paying early, and the auto pay options do not allow to pay early, they allow to pay up to 10 days late. These auto pay choices and payment allocation are designed to trick customers into being late and incur late fees and pay more interest over the loan time
|
| 06/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Hello, I am a XXXX on XXXX XXXX. I utilized my XXXX mo loan payment deferral benefits with XXXX mortgage starting XXXX XX/XX/2022. I submitted my XXXX XXXX orders and a written request. When I called the mortgage company several times, I was told that I was ok to go ahead and proceed with deferral. The website did not reflect any changes and looked like I was delinquent. I started calling to attempt to make XXXX payment, which is 5 months of deferral. I had a feeling that it was not registering right. The customer service department is not helping me and my husband and is very disorganized. It is now XXXX, I am trying to make payment and I am being hung up on. The customer service has turned into collections department. There is severe misunderstanding and miscommunication within United Wholesale Mortgage XXXX. We need help. I do not want my credit score affected. I also see now that XXXX has taken one of my last payments and applied it to their Mortgage insurance. I am worried there will be confusion and our house will be affected erroneously.
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
As outlined further in the letter sent to United Wholesale Mortgage, a fault in the autopayment system of the company caused a reported delinquency in a mortgage payment for my primary residence. Upon explaining the background of the issue, contacting the credit bueraus, and attempting to work with UWM to remedy the issue ( the account is always paid on time and is not delinquent to this day ), the company has refused to remedy the issue. UWM is nonresponsive to any further requests or appeals and reiterates solely the a " payment was late '' while failing to recognize the cause of the late payment or the failure of UWM to properly notify me as the consumer of the issue and how to remedy it. Regarldless of my continued logging in, at no point did the online portal show a delinquency and at all times displayed autopay as being active. I will need to continue the appeal process and move forward with litigation against the company in the event the continue to fail to respond. I would highly recommend against getting a mortgage with this provider.
|
| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We purchased a home in XX/XX/XXXX which was financed by United Wholesale Mortgage. I was looking at the Final Buyers Escrow Statement dated XX/XX/XXXX ( from when we purchased the property ) and noticed that they had charged me {$150.00} in escrow for 3 months of Homeowners Insurance that I neither requested nor needed since I already had insurance from XXXX set up ( it was listed on the purchase escrow papers ). I also noticed that they charged me {$550.00} from my mortgage escrow balance on XX/XX/XXXX for hazard insurance. Again, I did not ask for this insurance, need it, or know that I ever had it. I have never received anything from whatever insurance company they set up for me, which is why I never realized that I was being charged for it. It was all done behind my back.
I sent United Wholesale Mortgage the Final Buyers Statement from my escrow papers and the declaration page from my XXXX policy showing that I had coverage at both times. I have called, mailed, e-mailed, and faxed the company repeatedly without getting any response.
|
| 04/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I refinanced a loan from United Wholesale Mortgage ( serviced by XXXX XXXX ) on XX/XX/2021 and am due an escrow refund of {$4100.00}. According to XXXX, any remaining escrow balance must be refunded within 20 days of a mortgage loan being paid in full. As of XX/XX/2021, I have yet to receive these funds from the lender.
When contacting the lender I am being told stories about how it takes 4 business days for them to place the check in the mail and how it takes an additional 7-10 days to be received by me. However, this time frame has now passed and the lender is refusing to issue another check until 30 days have passed from when the original check was supposedly printed.
Additionally, when I contact the lender about these issues they seem not to care and act in such a way that shows they do not care about their customer 's monies.
Attached is a letter from the lender confirming that my mortgage was paid in full on XX/XX/2021 and an escrow statement that shows an image of the check that was supposedly sent.
Thank You, XXXX
|
| 05/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
After a financial issue in XXXX I fell behind on my mortgage. UWM sent me a letter in XXXX stating the amount that had to be payed and by what date, and instructions on where and how to send said payments. I called within a couple days of receiving the letter ( which is documented in their notes in my file ) to let them know I received the letter and would be sending the payments per their instructions. They signed for delivery of each payment acknowledging they received it, have it in their notes that they were all received, yet did not apply any of the payments to my mortgage. They then set in motion the forclosure process, turned it over for collection, and have been reporting it to each credit bureau that I have not made the payments resulting in a terrible credit score. My bank has traced each payment and none of them were cashed. They have yet to return a phone call or email. As of XX/XX/XXXX another servicer has taken over my loan but it is still set for foreclosure due to UWM withholding over XXXX XXXX in payments made to them.
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
UWM has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at UWM, as well as my response to his note, which confirms the mistakes that UWM made on their end with regards to processing my multiple payment attempts.
Please note that in the midst of this, UWM completely changed their online system, and as a customer, I had to re-create my login completely - with no warning.
Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
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| 10/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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I work for XXXX XXXX XXXX XXXX and I do process loan with wholesale lenders. I submitted several loans to XXXX ( XXXX XXXX XXXX ) and got paid {$790.00} processing fee which I normally charge. In XX/XX/2018 I submitted a loan to XXXX and I disclosed the processing fee of {$790.00} as I normally do however they went through with the file up until the loan documents gets sent to the escrow company when they said that they won't be able to pay me the processing fee of {$790.00}. When I mentioned that I processed loan previously with you and I got the processing fee paid, they mentioned that they were out of compliance and now they won't be able to pay anymore. I worked 30 days to process a loan without being paid. XXXX had a chance to let me know that they won't be able to pay me the processing fee upfront when I submitted the loan and if they were out of compliance before and now they are in compliance, they should of sent an email or notification stating that they'll no more pay processing fee for processors working for the Broker.
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| 05/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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Web |
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I started a request of a loan at end of XXXX 2015. A broker give a rate lock and loan approval, with a XXXX on XXXX XXXX. For external reason not related to me ( was a judge involved as a XXXX was one of the owners ), the closing took more time than expected in the rate lock. I consult my broker and he told me will be no problem to extend the loan with the same rate. On XX/XX/XXXX was the closing and the broker send me a new XXXX ( same day as the closing ), and I found that he remove some discount points ( {$1500.00} ). On the conversations I have with the broker and he never told me or provide ducumentation about the rate extension cost, I also asked him may times if will be a problem and he never communicate the difference of the cost. The relation with the broker felt apart and I have to communicate with the loan company and they investigate. They consult with the broker and the broker told them that he give me the information. I request documentation to validate this, and they never provide it. Please help to resolve it.
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| 07/10/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I AM TAKING AN EDUCATION COURSE THROUGH THE LOCAL COMMUNITY COLLEGE AND FUNDS ARE AVAILABLE TO THE PARTICIPANTS TO PAY HOUSEHOLD MONTHLY EXPENSES BUT THE COLLEGE REQUIRES THAT MY MORGAGE COMPANY COMPLETE THE VENDOR APPLICATION AND XXXX FORM IN ORDER TO RECIEVE PAYMENT - I FORWARDED THE BLANK DOCS ALONG WITH MY LETTER OF INSTRUCTION BACK ON XX/XX/2023 AND SINCE THEN I HAVE CONTINUOUSLY CALLED TO CHECK THE STATUS - SINCE THEN I HAVE FALLEN BEHIND ON MY MONTHLY PAYMENTS AND I AM NOW RELYING ON THIS ASSISTANCE IN ORDER TO CATCHED MYSELF BACK UP TO CURRENT - THE MORGAGE LENDER HAS EXCEEDED THE 30 DAY TIME FRAME AND THE STATUS STILL REMAINS OPENED AND UNDER REVIEW- I HAVE CALLED MANY TIMES AND ASKED FOR MY CASE TO BE ESCALATED - I WAS ASSURED THAT A SUPERVISOR WOULD REVIEW AND CALL ME BACK OR THAT THEY WOULD REACH OUT TO ANOTHER AREA IN THE COMPANY AND CALL BE BACK BUT I HAVE GOTTEN NO CALLS FROM MY LENDER AND NO RESOLUTION IS IN SIGHT - I AM NEARING THE END OF MY EDUCATION COURSE AND FEAR I CAN MISS MY OPPERTUNITY FOR ASSISTANCE.
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| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX on 2022 I made a mortgage payment of {$920.00}. The money was removed from my XXXX XXXX XXXX checking account and posted to United Wholesale Mortgage. However, United has stated that I have missed a payment from that time. I have been calling and messaging trying to resolve this issue for XXXX years. United States that they attempted to charge my checking account, but that it did not go through and that payment was not accepted. However, I received a XXXX XXXX report from XXXX XXXXXXXX XXXX stating that the charge was made to my account and no money was refunded in that amount at any point. When I attempt to reach out to United Wholesale Mortgage, they requested this document, but once I provided it they sent me in circles stating that they did not accept payment despite the fact that I provided the proof previously requested.
United had used this incident to state that I am therefore XXXX days late on each payment that is on time since then, accruing late fees and negatively impacting my credit score as well.
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| 08/10/2018 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hi We are attempting to re-amortize our loan w/XXXX XXXX XXXX.
We sent in an electronic funds transfer to them in mid-XXXX for approx. $ 250k. We never received confirmation from them that they got the money. WE called a few days later to confirm the money was received. They original said they can't find it but then later found it. It's now been almost 2 months and our loan is still not re-amortized and my husband and I aren't even sure we know where the money is anymore. We attempt to contact them and they just tell us we will get something in the mail or we will get an email however none of this has happened.
I know $ XXXX might not seem like much money to XXXX however it's a great deal of money for us. In the meantime, we have not made a mortgage payment as we assumed the re-amortization would have been completed by now as everything has been completed via electronic transfer. XXXX is not being up front, they are using our money to gain their own interest off it and not properly applying it to our loan as promised.
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| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I previously summitted a complaint in regards to a couple late payment 's being reported on my Mortgage loan. United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/20 & XX/XX/20 and I was never late. They stated that the representative when I called in to make my payment in XXXX failed to run the payment and they will request for that late to be removed but there is no late being reported in XXXX. They also stated I was setting up my auto draft online, which I request the representative set up my account in auto pay when I called in to make a payment. I was not contacted when the account defaulted, I did not receive any calls, notices or letters. If I was made aware of the auto draft not being set up I would have called and made my payment to avoid the late notations. These late 's are erroneous and need to be removed from my credit file. This is the representatives fault for not setting up my payments or running my payment. I need the XXXX and XXXX late 's removed. I was not late and never have been.
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| 03/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Unfortunately my mortgage is with United Wholesale Mortgage ( " UWM '' ). I have been receiving notices from my home insurance company XXXX saying that UWM has not paid my house insurance premium of {$810.00} out of my escrow account. I spoke with UWM on XX/XX/2021 and advised my insurance company did not receive their payment. They never followed up. I called XXXX who advised me that they have been sending notices to UWM with no response or payment. On XX/XX/2021 I received the attached cancellation letter. I immediately called UWM and spoke with XXXX who asked that I email the cancellation letter to them which I did immediately. On XX/XX/2021 I received the attached email incompetently saying I just provided them with my insurance info that I've had on file for years. UWM fraudulently took {$810.00} from my escrow account and now my home is not insured and I'm out {$810.00}. This company is incompetent and corrupt. This company also refuses to transfer to management as well which is a sure sign of incompetence.,
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| 11/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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United Wholesale Mortgage is misleading me and the Consumer Financial Protection Bureau website when they pretend to present the truth.
They use deceiving practices and excuses themselves to say that they have allowed the Consumer ( me ) 45 days before they purchased insurance.
The evidence attached here ( issued by United Wholesale Mortgage ) CLEARLY shows that they purchased insurance ( XXXX XXXX XXXX ) BEFORE they even NOTIFIED ME.
The day they purchased insurance is : XX/XX/2022.
The day they pretend they notified me to purchase insurance is : Notice XX/XX/2022. ( 12 days AFTER THEY PURCHASED INSURANCE ).
Please STOP LIEING! Please STOP abusing me and my ACCOUNT.!
The Forced Placed Insurance cost was a : {$6400.00}. The regular insurance cost is {$1100.00}. Do the math please! These facts CLEARLY shows they wanted to abuse my account and me.
Dear Consumer Financial Protection Bureau, are you planning protecting us, the consumers?
For how long should you tolerate this abusive practice against me?
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| 10/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have been in COVID forbearance since XX/XX/2020 and everything was fine. We called United Wholesale Mortgage to find out about extending our forbearance in late XX/XX/2020. They explained options at the time and we were supposed to call back in XX/XX/2020. Then, I received delinquency notice in the mail and called in XX/XX/2020 to find out why. I was told they removed us from forbearance accidentally due to error in coding. Since XX/XX/2020 I made over 20 calls to UWM to have them rectify the issue. On XX/XX/XXXX, a payment automatically drafted from our checking and we need this to be reversed ASAP as it the last few XXXX dollars we have for food and medical supplies. I made multiple requests for a supervisor callback, and to this date XX/XX/2020 I have not received any calls nor voicemail nor missed calls. Each customer service rep gives me different information and all they can do is send a request for a callback. This is unacceptable and we request immediate attention from UWM to resolve this problem.
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| 04/02/2020 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
XX/XX/2020 I, XXXX XXXX XXXX called UWM Mortgage on XX/XX/2020 at this number XXXX and asked them for possible Mortgage assistance because my significant other lost her employment due to the Corona 19 epidemic and I am the only one working in our house hold. The represent told me that they sold my loan as of today to XXXX XXXX because XXXX XXXX ask them to. I paid my mortgage on time all I asked them for was possible assistance with a possible deferment program, they said no and sold my loan to XXXX XXXX, She told me that the investor XXXX XXXX told her to dump my loan. I served my country Honorably and all I asked for was assistance to defer my Mortgage payment, but instead of helping me, they sold my loan during a epidemic to avoid possible financial losses. I am a XXXX XXXX, and work for the XXXX, please look into this matter, I feel I have been discriminated against because I asked for assistance during a world wide pandemic. This company XXXX XXXX has turned its back on me when I needed them the most.
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| 01/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XXXX of 2022 an escrow analysis was done on my mortgage account using incorrect information, leading to my payments being {$800.00} more a month. I contacted the company via their messaging portal and phone calls over 20 times to try to get my account fixed. Every time I made contact, I was told a different story to how and why the issue still was not resolved and was given a new date that it would be fixed by and told that they would follow up with me. After getting nowhere with fixing the escrow account, I was told that I could cancel/waive the account and it would take 12 days to process. I followed their instructions to waive the account, waited 12 days and still no resolve or any correspondence after another month. I have made several more calls and the customer service department claims they have no way other than email to communicate with whomever can make the changes to the account. I am told that they will " elevate '' the request and follow up. And again I get no response and no resolution.
|
| 03/31/2020 |
Yes |
|
- Trouble during payment process
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|
Web |
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|
I started a refinance process in XX/XX/2019 and it has been a XXXX-show ever since. My mortgage company ( UWM ) along with XXXX Escrow is owned by a parent company XXXX XXXX. All 3 companies take weeks/ over a month to talk to/ update one another thru the process.
The major problem started back in XX/XX/2019 when XXXX told its escrow company to not pay my property taxes that were due. This upheld my refi and of course, during the last 2 weeks of XXXX nobody is around to answers calls/ returns messages.
Between all 3 of the afore mentioned companies along with my mortgage broker, I received delayed, incorrect, unupdated and harrassing payment information for me to maintain proper payments and therefore avoiding additional late fees and dings to my credit score.
I have spent so many hours on the phone with all concerned parties/ companies over the last 6-7 months, I couldn't count it in minutes, hours or even days I think at this point.
At the time of writing this, I have lost 3 hours alone TODAY.
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
|
|
Good day, To whom it may concern I am writing in reference to the status of the Mortgage account currently reporting on my credit profile. This account currently shows ADVERSE information negatively affecting my credit in the form of late payments.
I have NEVER made any late payments on any accounts that I own. Your company had issued a forbearance and this account in light of The COVID-19 pandemic. I am not sure why this error has occurred but as the consumer involved who has been negatively impacted by these errors I demand you correct it the status of this account to paid on time immediately.
There was never any late payments on this account NOR any proof of these allegations either. I DEMAND that you correct these errors immediately and Issue me both ; a formal letterhead stating that the corrections have been made through the mails AND an updated credit report reflecting the same within 7 days.
If not I will not hesitate to pursue litigation to have these adjustments corrected immediately.
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| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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|
|
Web |
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The check # XXXX was negotiated by somebody else sometime around the end of XX/XX/2022 ; not by any of us.
I was given a runaround within the last XXXXXXXX XXXX trying to figure out where my money is.
I already called, emailed to XXXX representatives, asking where my money is, to cancel the check, reissue the check, but it turned out none of the requests was successful without a valid reason.
My multiple requests to stop and reissue the check, as well as to investigate what was going on with my check, was not handled appropriately by UWM. If my case were handled correctly at the beginning by UWM, the check would have been stopped successfully, and re-issued to me without an issue.
Previous CPFB case was XXXX, and I was advised to contact XXXX to get the issue resolved. Why do we need to get hold of XXXX when the check was from UWM - the issuer, to me?
As of XXXX XX/XX/2022, I am still at a loss of {$730.00} I am demanding the money of XXXX to be sent to me as soon as possible.
Thank you
|
| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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XX/XX/XXXX I received an email stating that my loan had to be seasoned for 2 years to request PMI removal or pay {$86000.00} to remove the PMI. XX/XX/XXXX I received an email stating that I could proceed with PMI removal based on current property value & I had to pay for an appraisal or bpo. I paid for the appraisal & on XX/XX/XXXX I received an email stating that my appraisal left me with an LTV of 79.90 % but I didn't qualify now because my loan is between 2 to 5 years and the LTV needs to be 75 % but I can appeal the appraisal or pay {$23000.00} to remove the PMI. I appealed the appraisal & on XX/XX/XXXX my LTV was changed to 75.80 %. I have jumped through hoops to have the PMI removed and the LTV is being configured on a silent second due to a COVID 19 payment deferral that I had to have because I had lost income in my household, but I have since resumed making regular mortgage payments. I'm requesting to have the PMI removed from my loan based on the fact that my loan amount is {$420000.00}.
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX, I closed on my deceased sister 's property, which I became the owner on XX/XX/XXXX. The title company sent the payoff which was rejected as the mortgage company said they sent the wrong payoff number. I sent the Title company the difference and the title company resubmitted the new payment and was again rejected stating I owed interest, per diem, and insurance costs. The property was sold. I was never contacted by the mortgage company from the time of my sister 's death XX/XX/XXXX under the federal Garn-St. Germain Depository Institutions Act. I would have purchased the property at a better rate because I am a XXXX XXXX. I have made repeated phone calls and am told a supervisor would call. I received one call stating I would not be charged these fees because they made a mistake but I have gone from an initial payoff of XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called yesterday XX/XX/XXXX and the person said a supervisor would call immediately. No call. Help!!!!
|
| 09/20/2023 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
|
UWM Mortgage did not lawfully obtain my consent in accordance with the GLBA to share my information with third parties including but not limited to any Consumer Reporting Agencies. UWM has reported private financial information about the consumer to third parties including but not limited to Consumer Reporting Agencies without lawful authority resulting in the breaching the herein mentioned contract.
Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) of the GLBA A company may not share any of my personally identifiable financial information aka non-public personal information unless you have provided me with a disclosure that provides an opportunity to Opt Out as well as directions as to how the consumer can exercise that non-disclosure option.
These actions are depriving me of my right to privacy, and my right to contract. In addition to credit extension deprivation, I have also suffered a substantial loss in wages. I was denied a Direct plus loan to pay for my daughter to attend college.
|
| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to the pandemic i Lost My job and asked the bank that owns the morgatge to help me.the help began around XXXX .they always told me that the amound would be put at the end of the loan .so i accepted because i could not pay and at the same time calm down because i always thought they would add it to the end of the loan.i was without paying My loan for around a year because My situacin was dificultd.as a result of COVID 19 And My Bad economy.it was not possible for me to pay for My house as before... Now they tell me that i owe an amount of almost XXXX dollars.and that i have to pay .i applyed for a partial claim but i had to pay almost XXXX for be accept it and i didnt have that amount. Now i applyed for a modifications but they Say they may not accept it.they lied to me.when they told me they could do it for me in the end.i can pay My loan but the normal monthly payments not that amount.i feel cheated and very worried.i don't want to lose My house.i need advice and help. Thanks.
|
| 04/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan servicer paid summer property taxes for someone else 's property in XXXX, XXXX in the amount of {$2900.00}. I began receiving late notices and I called the servicer ( United Wholesale Mortgage ). So then UWM paid the property taxes for my own property in XXXX, XXXX in the amount of {$2400.00}. They charged my escrow account for both real property taxes -- my own property and some other person 's property -- and then they charged me the late fee from the city clerk 's office, even though it was UWM 's own mistake that the taxes were paid late. When UMW did the escrow analysis, they charged me for XXXX summer taxes twice -- literally, they are charging my escrow account {$2400.00} two times in XXXX. My escrow payment doubled. They need to reimburse my account for the {$2900.00} that they paid for someone else 's real property taxes, they need to reimburse me the late fee, and they need to re-do my XXXX escrow analysis with only ONE summer tax. These people are XXXX
|
| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi, The United Wholesale Mortgage escrow ( UWM ) calculated the wrong property tax amount. They collected double what they should collect, which led to my mortgage payment increased more than a XXXX a month. On the hand, I found out UWM didn't pay my property tax because XXXX XXXX tax collector sent me a bill with a penalty. I had to pay using my own money, which led to short money in the bank. I contacted UWM and told them I had just paid the XXXX XXXX dollars in property tax and didn't have enough money to payment+increased escrow, and I asked them to use escrow money to pay my mortgage payment ( extra XXXX XXXX in escrow ) ; they denied it and charged a late fee, and report delinquency to the bureau.
XXXX XXXX : {$9300.00} UMW XXXX XXXX : {$15000.00} I don't trust UWM escrow anymore, and I asked UWM to terminate the escrow. They also denied it again due to a delinquency event which caused by UWM.
Thanks to UWM, I had to pay the late fee, and it ruined my credit.
|
| 01/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have had my mortgage with United wholesale mortgage beginning in XX/XX/XXXX. I have always made my payments on time, I have never been late. United wholesale mortgage consistently does not reflect my payments when I make them. They sometimes take weeks or months to reflect my payment in my account that I make automatically every two weeks. Customer service never knows whats going on and they tell me to keep an eye out for my payment to post. I recently made a payment of {$1100.00} on XX/XX/XXXX. It has yet to post to my account and United wholesale mortgage consistently makes this mistake. Please help me as United wholesale mortgage is in capable, or incompetent, regarding registering customers payments on time. They say it takes up to 24 hours to register payments. It often takes Wholesale mortgage weeks or even months to register my payments. Please help me as United wholesale mortgage refuses to correct the errors they make over and over and over again. Thank you
|
| 02/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I use a mortgage company called United Wholesale Mortgage ( UWH ) based in XXXX NJ. I refinanced with the mortgage company for a lower rate on my 15 year conventional mortgage. We closed the refinancing on XX/XX/2020. The mortgage company owes me {$8700.00} from the Escrow and overpayment of the Mortgage. I have yet to receive any check back from the Mortgage company. I have called multiple times to inquire and have still not received any money back from the company. Every time I have called, I have been promised an escalation and that the refund check would be sent to me immediately. Nothing has happened. I called for the 5th time today, and again customer service told me only a XXXX can help me and there is no XXXX available.
I get the sense that this is a tactic the company uses to slow down or stop refunds checks back to customers. The customer service has been terrible and I want to lodge a complaint as this is money that my family needs during this tough time.
|
| 07/23/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Due to Covid 19 ... We entered into Forbearance with United Wholesale Mortgage on XX/XX/2020. Since XXXX XXXX was and still is one of the most restricted and affected area thru the whole pandemic process we stay on forbearance until XX/XX/2020.
United Wholesale Mortgage sent us an option to apply for a XXXX XXXX XXXX XXXX which we are currently under. We sent our fist payment which was due on XXXX mid XXXX and XXXX payment on XX/XX/XXXX.
On XX/XX/XXXX i received a notification that my credit score went down XXXX points, United Wholesale Mortgage reported our payments as late showing also the debt that was accumulated thru forbearance. It is my understanding this is incorrect and illegal.
Contacted United Wholesale Mortgage and they acknowledge their mistake but stated that more late payment will be reported to the credit bureaus and that it will take time to fix our problem.
I would like my credit score to be restore to the number prior to UWM mistake immediately
|
| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX.
My mortgage servicer is United Wholesale Mortgage.
My property address is : XXXX XXXX XXXX XXXX XXXX, Florida.
My loan number is : XXXX United Wholesale Mortgage failed to give me 45 days time period to purchase wind insurance.
As per federal law United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance.
They have purchased insurance ( XXXXXXXX XXXX ) and charged my escrow account.
The period covered of their purchased insurance ( as per evidence on file ) is XX/XX/2022 to XX/XX/2022.
The amount they charged for the insurance is : {$1500.00} I am asking them to refund the full amount since the proof of insurance was delivered to them as they also mentioned in a letter I received and they have failed to respect the 45 days period of time.
I didn't receive the refund from United Wholesale Mortgage even if I persistently request it and notified the company.
Please see attachments.
|
| 09/03/2021 |
Yes |
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have been in a forbearance due to Covid19 since XX/XX/XXXX.
I was offered a work out solution in XXXX XXXXover the phone but DID NOT accept because the payment was not affordable.
So we just extended the Covid19 related Forbearance this can all be heard on the recorded lines the lender should have.
I am covered under the Cares Act.
me and my husband had a 180 day late payment posted on our credit history on XX/XX/XXXX.
report to XXXX, XXXX and XXXX.
I called my lender several times to correct his and I filed a dispute in XX/XX/XXXX.
I reached out to my lender today XX/XX/XXXX XXXX for an update to the dispute and I was told that they looked into the credit report history date of XX/XX/XXXX.
XX/XX/XXXX is NOT the date THAT I am disputing, that date is reporting correctly.
So that was a waste of 30 days!!
XX/XX/XXXX is reporting from my lender as 180 day late.
please have them remove the late, as we are still in Covid19 forbearance.
Thank you
|
| 12/05/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
When I first closed on the home I had two quote from different homeowners insurance providers. I have an email and closing disclosure to show that I had wanted my homeowners insurance provider to be XXXX not XXXX. I closed in the home XX/XX/2022. XXXX sent a payment request in XXXX and my mortgage company made the payment without informing me. When my renewal came up at the end of XXXX. My homeowners insurance informed me that they did not receive payment. When I called my irrigate company they mentioned they had made a payment to XXXX for the renewal.
I called XXXX to provide documentation that I had XXXX as my service provide from XX/XX/2022 and now they are informing me that they will not refund the full amount, and will only backdate 6 months from the renewal date in XXXX.
My mortgage went up by almost {$1000.00} because of the mortgage escrow mistake and Im struggling now to make my payment.
My mortgage company hasnt made this correct or XXXX
|
| 09/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
They told me my forbearance was good from XX/XX/XXXX till XX/XX/XXXX and to start paying the loan back on XX/XX/XXXX so I did, they then threw it into late pays and instead of deferring the total amount of missed payments to the back end they are calling it all due and payable. I had a request in to pay my own taxes and insurance way before the forbearance and they did nothing with that request. I have a XXXX per cent XXXX and had already paid the taxes and insurance myself so now their payoff figures are wrong. They told me they would call me when to send them my financials and they never did. We then sent them the paperwork they requested in mid XXXX and I made the payment on XX/XX/XXXX but began reporting us as late. We also had been approved for a XXXX under the XXXX XXXX XXXX and that was not explained to us that the program would take a long time and therefore nothing was settled on time however I did start making the payment when they told me to.
|
| 04/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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My servicer is United Wholesale Mortgage. I submitted a request for 180 days forbearance following requirements from SEC. 4022 of HR 748 ( aka Cares Act ) signed into law on XX/XX/2020. Under the law, the servicer must provide for forbearance up to 180 days unless REQUESTED to be shortened by borrower. I did NOT request a shorter forbearance timeframe. UWM said they are only granting 90 days in spite of the fact that that law specifically provides for 180 days. UWM is NOT following the provisions of the law as detailed. I have contact UWM 3 times and requested that they follow the law and grant me the 180 day forbearance provide by HR748. They have refused to do so with no just reason other than they are choosing to shorten the time to 90 days as a matter of process on their own choosing even though I, the borrower and not requesting them to do so.
UWM is in direct violation of HR 748 as a servicer for federally back ( XXXX XXXX ) mortgage loans.
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| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX United Wholesale Mortgage loan # XXXX Mr XXXX refinanced the loan and had {$1900.00} due back to him upon closure. UWM sent a check made out to Mr. XXXX and his deceased wife for that amount. He notified UWM that she deceased and sent in a death certificate. On XX/XX/2021 they acknowledged in writing that they received the death certificate and would send out a replacement check. No check was received so in middle of XXXX Mr. XXXX folllowed up and they said they would send the check within 10 days. No check was sent. In Early XXXX he contacted them again they said they'd send out a check again ... no check. XX/XX/XXXX followed up again. They said a check would go out ASAP and would call Mr XXXX back to confirm that the check went out. Still today, XX/XX/XXXX, nobody has called back and no check has been received. These people are continually lying and not paying Mr. XXXX the {$1900.00} that they owe.
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| 04/24/2021 |
Yes |
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Web |
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I am contacting for assistance with this matter that has put me in a deep whole through no fault of mine. We purchased our home in XXXX of 2019 loan done by United Wholesale Mortgage the company was collecting {$630.00} for escrow which included taxes, insurance, and PMI. It Should have been {$950.00} monthly which we just discovered when we met with a loan officer. On our settlement statement they only collected {$290.00} monthly for my property taxes when in actuality the tax bill was for a total of {$6800.00} XXXX monthly. This caused us to fall into a deep hole which the company could never resolve. Then we were sold to another servicer XXXX XXXX who collected the lower amount and put us deeper in a whole. We received a new statement with a total mortgage due of {$3400.00} for the shortage that they did not calculate correctly. This has caused us to be late and now we are 2 months behind and reported this on our credit during the moratorium
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| 03/14/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Since XXXX of XXXX I have been trying to get a forebarance with United Wholesale Mortgage company and it has been terrible. Im the end I did not qualify because of missing documents when I in fact did submit them. In XXXX I finally just gave up. Then again XXXX of XXXX unable to make payment and contacted them right away and since then going back and forth submitting documents. Finally was approved for a modification trial which is ridiculous amount if {$1800.00} at 6.750 % for 3 months when my normal payment was XXXX at 2.625 % rate. They said no forbearance available. They never mentioned that ever and also expect me to mark this increase payment after trial period is ridiculous. They are a joke and do not help those who need it. I would rather come up with the late amounts I have than move forward with this trial period. This company is not for the people they just hope you cant make payments just to foreclose your home and be done with it.
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| 11/01/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I HAVE A MORTGAGE WITH UNITED WHOLESALE MORTGAGE... I DID MISS A PAYMENT IN XXXX XXXX OF {$720.00}, AND BEEN MAKING OVER PAYMENYS EACH MONTH SINCE THEN WITH WRITTEN INSTRUCTIONS TO APPLY THE EXCESS FUNDS DIRECTLY TOWARD MY MISSED XXXX PAYMENT EACH MONTH..THEY SAY NO THEY ARE PUTTING IT INTO WHAT THEY CALL A APPLIED FUNDS ACCOUNT NOT TOWARDS THE MISSED XXXX PAYMENT. SINCE XXXX EVERY MONTH THEY KEEP CHARGING ME A NEW LATE CHARGE EVERY MONTH.. I WAS ON THE PHONE WITH THEM YESTERDAY AND THE LADY SAID THEY RECEIVED XXXX PAYMENTS MID MONTH FOR OVER {$700.00} FROM ME AND ON XXXX XXXX I SENT A PAYMENT OF XXXX THEY SAY I STILL OWE THEM A PAYMENT FOR.. {$78.00}, THEY SAID FOR ESCROW, INCREASED TAXES AN HOME INSURANCE INCREASES... I TOLD THEM NEITHER XXXX XXXX HAS EVER NOTIFIED ME OF A INCREASE IN POROPERTY TAXES OR MY HOME XXXX. XXXX NOTIFIED ME OF A INCREASE OF XXXX PREMIUMS... I SAID I THINK I SMELL SOME EMBEZELMENT HERE THEY HUNG UP ON ME,
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| 09/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage is overcharging my escrow account and is refusing to refund the overcharges.
They have overcharged my account for the month of XX/XX/2021 by {$110.00} and this is just another abusive practice.
My monthly PMI is {$110.00}. My yearly PMI is {$1300.00}. The year has 12 months. According to United Wholesale Mortgage, the year has 13 months. PMI is applied twice for XX/XX/2021.
Please see enclosed evidence. ( they charged {$1400.00} for XXXX PMI instead of {$1300.00} ) I am being constantly abused and lied by this company.
I live in fear having them to administer my Escrow Account. Every letter/notice from them contains errors as answers to requests to correct errors or Errors to justify unjust enrichment.
Refund immediately please and STOP the constant abuse!
The " errors '' you constantly make are used as weapons to create emotionally distress/abuse.
Please STOP the abuse and the obstructive practices.
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| 10/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been on the forbearance due to covid 19 since XX/XX/XXXX. I have tried to deferre my loan payments to end of term and was initially approved then found out my servicer united wholesale mortgage canceled it. I then applied for HAF with the California mortgage relief and was approved for a grant to cover past due payments. California sent funds electronically to UWM on XX/XX/XXXX for {$21000.00} to make my account current and reinstated. UWM is stating they have not received the funds. I have reached out to the California mortgage relief team and was told they sent funds and needs to be handled internally. Im worried because UWM keeps advising me to apply for loan remodification, repayment plan, deferral when they already received funds from the state of California to help me. They only need to actually apply these funds but help is very difficult. Could you please help me to have them follow up on this to actually help me.
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| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Back in XXXX, UWM erroneously and without warning began charging me double in mortgage payments. Turns out they inappropriately assessed my taxes. I had to file an email complaint with them to get it fixed but they did not fix it at first. I had to make several calls to get them to fix the tax assessment. That error stopped the auto payment. When I got put back on auto pay there system would randomly stop auto deduction every month causing a delay in payment. Rather than fix the problem, they charged me late fees. I called them yesterday and told them about it and they said they figured it out and it and fixed it but I don't believe them. They also told me that they could not reverse the late charge.
They also have my mailing address incorrect. It's missing the unit number.. I want them to reverse the charge because of their errors in their website and their administration my account was charged late fees. I want them reversed.
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| 11/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The lender for my home mortgage is United Wholesale Mortgage ( UWM ). After I paid 80 % of the loan, I was given an option to close the Escrow account which I did in XX/XX/2021. In XXXX I was sent a check for {$5900.00}. I deposited the check in my Savings account and right when I was about to pay the property taxes using that money, the check returned. I was sent no communication from the lender as to why the check returned. I contacted them a few times but I was provided generic information and told that they will send a new check. Property taxes were due in XXXX and I could not pay it on time as I didnt get the check on time from UWM .
I had to not only borrow money from someone but also pay a late payment fine on my property taxes. Since then I have contacted UWM more than 5 times and I have been put on hold for hours. Every time they representative tell me that check is on its way but I have still not received it.
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| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Last XXXX I submitted a request to UWM to set up a property tax and homeowners insurance escrow account for me on top of my existing mortgage with them. They responded, they requested {$6500.00} to set up the escrow account. That was sent to them and I heard nothing from them, since XXXX! That is a lot of money to a single income household. And now they send me a message XX/XX/23 stating that I need to choose whether I want an escrow for insurance or for tax or for both set up? And, if my property taxes are due within 60 days I have to pay it before they can set up the account? Are you kidding me? I am so unbelievably angry right now. Take a look at my credit, I have XXXX scores and take so much pride in keeping my finances straight and paying on time. XXXX XXXX right now. I have attached proof of payment they requested to set up account, I provided their letter and my handwritten letter ( which was also requested )
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| 04/19/2019 |
Yes |
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- Trouble during payment process
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Web |
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In XXXX XXXX XXXXXXXX XXXX Company sent me my escrow statement where the taxes were XXXX to much. Therefore raising my mortgage payment from {$2400.00} to {$3600.00}. I called them emailed them proof of the tax record showing there mistake. They said it would be fixed by mid XXXX. It is still not fixed now in mid XXXX. I sent them XXXX payment for {$2400.00}. They responded to me with a letter saying it was a short payment and they will not accept another short payment again. When I call them one department says its fixed while other department says I still owe them {$3600.00} a month. So I went to the Housing council of to see if they could help. While there we called again. Now they say my mortgage is XXXX a month which is still {$600.00} to much. Now were going to be behind XX/XX/XXXX 4 mortgage payments because they won't accept short payments and they still have not adjusted our mortgage to the correct amount.
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| 04/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am trying to remove my primary mortgage insurance from my conventional mortgage. I am current on payments, been paying for over 2 years as the law requires. I contacted the company via email on XX/XX/22 to find out what appraisal company I needed to use to remove it. I have not received any response. When I call them, they say the mortgage insurance dept can only be contacted by email, and they do not have a phone number.
I called again today, and they said they sent a letter on XX/XX/XXXX but I did not receive it. The letter said I was partially denied, and I needed to get an appraisal done by a company of their choosing, but they did not tell me what company and can not be contacted. The customer service person on the phone said I have to email them again and wait more months for a response.
I am paying {$61.00} a month when I don't have to, and this company is collecting this money in breach of the law.
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| 01/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought my condo in XXXX and since then I have refinanced multiple times. During all my refinances I have never been required to purchase XXXX insurance. In XX/XX/XXXX, when a loan broker approached me for a refinance I informed them that I do not have XXXX insurance nor would I be purchasing it. They didn't seem to mind and indicated that they would go through the underwriting process and shop my loan. My loan closed in XX/XX/XXXX and since then the Mortgage Company has been harassing me to purchase XXXX insurance. I told them that from the beginning I told the broker I did not have such insurance nor would I purchase it. In XX/XX/XXXX, the Mortgage Company force placed the insurance and is now trying to collect payment from me. This is unbelievable since I let all parties involved from the beginning that I would not be purchasing it. I need this harassment to stop and to cancel the forceplaced insurance.
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| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/XXXX & XX/XX/XXXX and I was never late. I have had several accounts with them for a very long time, this particular mortgage I had called to set up on auto draft back in XX/XX/XXXX along with my other mortgage with these guys that I pay for my ex wife XXXX.
I set up both accounts on auto draft over the phone with your representative. I didn't get a notice from these guys until later that I had a past due amount and that I was late, even though I had already been in contact with you guys & set this up.. Then I set it up again with you guys over the phone. I never ONE TIME in my life have got a late payment on any account. So the representative set up my one account on auto draft but the one for my house I live in didn't go through or get set up, but not due to my error. Please remove the lates off of my credit file as this wasn't my error.
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| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Loan servicer had to place insurance on property for 30 days and notified me I owed {$36.00} to reimburse them for this. I sent in the {$36.00} to them on XX/XX/2020. They then sent several letters, stating that I had not paid the amount and my monthly payment was going to be increased.
I called on XX/XX/2020, and complained, they said they showed the {$36.00} payment in the system from me, but had not applied it to my shortage. They then said they would check it and left me on hold for an excessive period of time. I had to return to my work or risk discipline from my superior at work.
I have tried to do the right thing here and they have taken my money, not applied it, then are threatening me with action against me, due to their failure to apply the payment properly.
They should not be allowed to service loans. Please do not close out this matter without my agreement, even if they claim it is resolved.
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| 11/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We were enrolled in a PMI escrow account at the time of closing on our home, in XX/XX/2018, with XXXX XXXX XXXX XXXX, ( XXXX ). We recast our loan in XX/XX/2018 and paid it down to a LTV of 44 %. We were instructed by XXXX to submit an email in order to discontinue our PMI escrow account and meet criteria of not any missed payments and a LTV of 80 % or less. We have met all of the above requirements and submitted the email request for cancelling PMI. XXXX responded stating we will have to pay a fee of {$100.00} and pay for another appraisal on our home.
We requested that XXXX use the most recent appraisal on our home that was performed in XX/XX/2018, but have not received a response.
We have since learned that this lender is not complying with a Federal law called, " The Homeowner 's Protection Act, '' which requires lenders to automatically cancel PMI enrollment when a loan falls below 78 % LTV.
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| 11/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I had a 30 year mortgage with United Wholesale Mortgage and recently refinanced to a 15 year mortgage with the same company. In mid XXXX I received bills for both 15 and 30 year mortgages. I called United wholesale mortgage and was reassured that the 30 year mortgage would drop off and not to worry about it. On XX/XX/XXXX, the first date a payment was due for the 15 year mortgage, United wholesale mortgage deducted an auto pay for both the 15 and 30 year mortgages, despite there only being one house in existence. I called them on XX/XX/XXXX to inform them of their error. I contacted the title company that same day and sent them proof of the wire transfer that had been made to United Wholesale Mortgage and which had been received. I have called several times to fix this issue but I have not received any word from the company nor have I received my money that they took from me. I am owed {$2500.00}.
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| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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United Wholesale Mortgage offers a Budget Drafting Program. They have a list of requirements including filling out a form, adding ACH, and paying at least a month ahead of time in order to enroll. I have now filled out the same form several times over the last 7 months including paying the extra month in advance and have still yet to be enrolled into the program. Every time I call, the UWM representative agrees that I have done everything right in order to be in the program but they say there is nothing more they or I can do as it is another department who approves which I am not allowed to be in contact with. I have asked to speak to supervisors but am always told there a none available and that one will call me back. I have never, not once, received a call back. I am fed up with spending so much time for an advertised program as well as paying extra ahead of time to just be misled. Please help!
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| 11/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my home in XX/XX/XXXX. My tax bill for XXXX was {$2300.00} and was paid at closing in my closing costs as an escrow account was set up. My XXXX tax bill went up to {$3300.00}. I only have summer taxes, no winter taxes as shown on the tax bill that was provided to UWM prior to closing. They have increased my mortgage payment from {$1100.00} to {$1700.00} and are stating that my tax amount is {$5700.00} and that the increase is due to the tax increase plus the shortgage. That is completely incorrect. I have spoken to 3 separate representatives and no one will fix it. I can not afford a {$600.00} increase in my payment because of their XXXX up. My escrow account should only be short by about {$1000.00}, and the increase in my total payment should only have been {$84.00}. I am a former employee of United Wholesale Mortgage and apparently this is a known issue that they refuse to address.
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| 01/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX had a mortgage refinanced with United Wholesale Mortgage. On XXXX attempted to make first payment. On XXXX, XXXX and XX/XX/XXXXmade subsequent payments and prepayments all of which cleared. XXXX XXXX XXXX in-line payment system then began to process payments without a digit in my account number. This resulted in my bank not knowing which account to withdraw funds. When I inquired to XXXX, they stated it was my banks problem, which I was not. At their customer service departments direction I reset up my bank information, correcting the problem. Due to the multiple attempts to make a payment, my account was locked and I am being forced to make my mortgage payment by certified funds. This is expensive and not easy to do. My account t has never been past due and I have already made additional principle payments. There customer service, after multiple attempts, refuses to provide assistance.
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| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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United Wholesale Mortgage is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to United Wholesale Mortgage lack of correction. I recently spoke with multiple representatives at United Wholesale Mortgage and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX 2021. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for United Wholesale Mortgage to rectify the late payment XX/XX/2021.
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| 03/23/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I received a letter from United Wholesale Mortgage on XX/XX/2020. This letter advised me of transfer of servicing to XXXX XXXX. I havent received any notification from XXXX XXXX. This is in violation of the notification process. I have a VA loan that has never been delinquent. In this letter it advises me that transfer will be effective XX/XX/2020. I normally make payment on the last day of the month and am concerned that when I make payment to UWM that the XXXX payment will get lost in transfer making my new account with XXXX XXXX. Late. I have done research on XXXX XXXX. They have the worst rating of service in the Mortgage industry and have hundreds of complaints that have given me concern. As a Veteran Consumer it is absolutely the worst fear I have to lose my excellent payment record.
This company XXXX XXXX must be investigated for all the difficulties that have been complained about.
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| 01/04/2023 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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Hello! my name is XXXX XXXX and this complain is regarding the Florida Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX program, and United Wholesale Program. Back in XXXX XX/XX/2022 I was approved for 6 months of emergency funds to cover mortgage payments. Application number : ID : XXXX.
The award letter indicated the money from the XXXX XXXX XXXX XXXX, or XXXX, would be issued to my mortgage company on XX/XX/2022 and continue going forward, but the money is missing. As of today : XX/XX/2022, despite many phone calls to the XXXXXXXX XXXX XXXX Customer Assistance Center at XXXX, emails and even XXXX, my mortage company ( United Wholesale Mortgage LLC ) has not received any payments.
I will greatly appreciated any help you can give me, as you may understand my economical situation is critical I would greatly appreciate any follow up regarding my case Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our previous mortgage company, UWM, did not pay the property tax that was due in XXXX on time, so we received a delinquent tax bill and additional penalties. Our property tax would have been {$4400.00} if it was paid before XX/XX/XXXX, but because they didn't make the payment, we had to pay {$5000.00}, including the penalty, on XX/XX/XXXX. UWM argues that they are not responsible for this situation because their mortgage service was sold to another company on XX/XX/XXXX. I demanded an investigation and accountability from UWM regarding the incident of my property tax being delayed, which occurred before their company was sold, but they only provided evasive answers. I am attaching " File 1 : Delinquent tax bills and my receipt '' and " File 2 : My claim filed against UWM and their response '' regarding my losses incurred due to UWM 's failure to fulfill their duty of representing payment.
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| 07/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received an escrow statement that showed my payment was going up XXXX per a month. I initiated my contact on XX/XX/XXXX with UWM and asked if my escrow shortage could be spread over 60 months to lower my payment My payment went up over XXXX percent, therefore, I am aware that the lender CAN spread the shortage up to 60 months, not 12 months as they did.
The representative stated she would do so and in 3 business days I should have an answer along with an email that I was expecting Today is XX/XX/XXXX, I never received anything from the lender, so I call back again and speak with XXXX She told me that she sees this request, but the representative did NOTHING with my request besides notate my account Apparently this needs to be sent to the investor for approval I dont really believe this is true, I am now being told at least another 5 business days Nobody cares at customer services
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| 08/05/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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I was on Forberaance for 4 months from XX/XX/XXXX to XX/XX/XXXX. I started to pay from XX/XX/XXXX. They used to tell me that after Forbearance they will reduce your interest rate and monthly payment. They chose Modification would be best for us. I did not know the FHA policy at that time. They raised the monthly payment every month. On XXXX my payment was {$2500.00} and rate was 2.875 %. Now my monthly payment is {$2700.00} and rate is XXXX. Because I still have Financial Hardship. I am using the option Covid -19 Advance Loan Modification ( must be reviewed no later XXXX XXXX.
Covid -19 ALM is a permanent change in one or more terms of a Borrower 's Mortgage that achieves a minimum 25 percent reduction to the Borrower 's monthly Principal & Interest ( P & I ) payment that does not require Borrower contact. I am requesting 30 % reduction on my monthly payment of {$2700.00}.
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| 12/06/2022 |
Yes |
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- Trouble during payment process
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Web |
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Hi I was approved for the haf program back in XX/XX/2022. I been on a COVID forbearance since I got approved and that was going fine until the month of XXXX my payments started not getting posted. I spoke to haf and they told me they were mailing them electronic and my mortgage company was cashing the checks but not applying them to my account. I have all 3 tracking numbers and checks were cashed and I call daily with my haf case worker and my mortgage company which is uwm only gives us the run round and puts us on hold. They say the dept that handles the haf doesnt have a phone number only emails sent from with in. I dont know what else to do. My forbearance ends this month and Im behind 3 months with a negative escrow. All because uwm wants to mess up my credit and steal my haf payments. This sounds like a scam to put me in foreclosure and mess up my credit. Please help
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| 06/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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We just refinanced with United Wholesale Mortgage and it has been nothing but a cluster of goofups on their behalf since the get-go.
We have not even made the first payment and we have been insulted, ignored, and belittled by the employees/CSR 's of the company. From not having calls returned to being told that the statement they emailed and US mailed to me doesn't exist.
They sent me a statement dated XX/XX/2019, this was never received until I requested a statement in mid-June. They emailed it to me and like magic, it also showed up via US mail two days later. The letter, which they cant find, states that I am responsible for paying my property taxes. When I am escrowing them. Every call I make to resolve this matter, the clerk says I am escrowing the account, no one can find or explain the letter and no one is willing to provide a corrected letter/statement.
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| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I reached out to United Wholesale Mortgage ( UWM ), our mortgage loan service company, regarding cancelling PMI insurance based on Current Value. We have completed substantial structural improvements and fulfill the requirements set forth by UWM. On XX/XX/XXXX, UWM finally replied with details on how to submit our proof of the cost of improvements. On the same day, I emailed the proof AND submitted the written request with proof of costs of improvements. I have reached out on XX/XX/XXXX and XX/XX/XXXX to move forward with ordering a valuation on our property and have had no contact with the company. I can not speak to a live representative in the PMI department to provide a status. On XX/XX/XXXX, I used the Chat function on their website to speak to a general live representative who claims " I do not see anything regarding your PMI removal. "
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| 06/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I am trying to refinance a mortgage on a property that we just closed on in XXXX. Rates have improved nicely and we can save .25 % at no closing costs. The company that first handled our loan - XXXX XXXX - will not do the refinance because they do not want to get an interest recapture on the loan. They also re-pulled my credit without my authorization and will not correct this error. We then went to another lender, who could actually do a better deal - XXXX XXXX XXXX - but now the actual lender is telling them that they will not allow them to refinance the loan within six months. XXXX XXXX XXXX is the actual lender/mortgagee and is holding up this whole process unnecessarily and unethically. I would simply like to get the lower rate and I have called them 4 times and left messages over the last two weeks with no return call. Please advise.
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| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I purchased my property in XXXX, WA that I had my mortgage with United Wholesale Mortgage closed on XX/XX/XXXX. My monthly mortgage payment was {$990.00} and I've been making payments on time every month. I never skipped or missed any payment. I had my payment automatically paid online every month on time for {$990.00}. I did not get any notification until I checked my credit report online showing my credit scores has been decrease from XXXX to XXXX due to UWM been negatively reported that I was late for XXXX and XX/XX/XXXX and I was charged {$45.00} every month for late fees even though I've been paying on time during covid pandemic. I've been on the forbearance so they should not have reported as late or charged me any late fees.
I contacted UWM to have them remove any late fee and remove negative reporting on my credit but they've ignored my request.
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| 04/27/2018 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/XXXX On XX/XX/XXXX I received notification from XXXX XXXX XXXX XXXX XXXX advising that the servicing of my loan had been transferred effective XX/XX/XXXX from UNITED SHORE FINANCIAL SERVICES , LLC to XXXX XXXX XXXX XXXX XXXX and that UNITED SHORE FINANCIAL SERVICES , LLC stopped accepting payments received from me after XXXX XXXX.
I have never missed any payments, now I am receiving foreclosure letter from UNITED SHORE FINANCIAL SERVICES , LLC attorney advising of foreclosure. This has ruined my credit score, t UNITED SHORE FINANCIAL SERVICES , LLC is reporting over 90 days late on my credit, dropping my score over 100 points.
I have contacted both servicers ( prior and new ) and one says I have two accounts with them, two different loan numbers. I have never missed a payment and have spent hours on the phone trying to solve this at no avail.
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| 12/09/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi I have my mortgage with UWM and the Loan Number : XXXX I have auto scheduled my mortgage amount through BillPay and there was never any lapse in payment. However UWM claims that a payment is missing. I have verified with the BillPay in a 3 party conference call and submitted Proof of payments. Despite this, UWM continuously refuses the payment and further applies late fees, causing my account.
I tried them with all proof and nevertheless they refuse to hear. They handle my communication very bluntly and refuse to resolve this.
For over an year, this issue is pending without resolution. They are punishing me further by reporting all agencies, and this is crippling me with no way out.
Note : i had and have sent all the proof of payment confirmation several times since last year. I request you to involve for an actual resolution.
XXXX XXXX
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| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Earlier in XX/XX/2020 Mr. XXXX XXXX talk to me about refinancing my Mortgage to remove like the PMI. I completed the paper work, the loan was approved and the process was smooth and the expected closing date was before the end of XXXX 2020. I paid almost {$500.00} for the appraisal, when the appraisal came I thought something was wrong and I want to dispute the results. This was the las time I heard from Mr. XXXX XXXX. I send several messages and call him to getthe status of this refinance loan but he never answer back to me. The company never send me any communication of the loan status. The companys name is XXXX XXXX XXXX. I believe as a consumer I deserve some respect and that respect is through answer to me what happened. I invest almost {$500.00} dollars and it was a waist of money and with the situation with COVID that money is a lot to me
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| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I previously filed this complaint under XXXX. The company responded to the complaint saying they've helped me, but that was a lie. CFPB then closed the complaint and told me to open a new one.
I contacted this company in XXXX to remove my XXXXXXXX XXXX XXXXXXXX, and they have been ignoring me ever since. They have been collecting XXXX XXXXXXXX for the XXXX since XX/XX/2022.
After I filed the first complaint, the company finally emailed me, telling me to send them an additional {$570.00} to waive the XXXX charge, which I paid. I am still waiting for them to respond.
This company 's XXXX office does not have a phone number, and they only send letters via XXXX. The letters arrive XXXX weeks late, and they say I have XXXX days from the date of the letter to remedy. This is an impossible process and designed to continue taking money from me.
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| 03/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy, under 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions and under 15 USC 1666 B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
In XX/XX/, United Wholesale mortgage reported a late payment.
Additionally, at the time of the reported late payment I was infected with XXXX and under the protection of the CARES ACT, it prohibits lenders from reporting negative information to credit reporting agencies.
I have tried numerous times to get this resolved directly with UWM, but all they do is send a generic response every time.
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| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me.
Please update the following account : XXXX XXXX Balance : {$260000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
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| 12/02/2022 |
Yes |
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- Trouble during payment process
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Web |
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I was awarded the haf program in XXXX of 2022. I have been on a COVID forbearance since because haf payments were comming in late into the month. The forbearance has been active since XXXX and payments were getting applied. Until XXXX when they stopped getting applied. I speak to haf and they tell me they sent my mortgage company XXXX, XXXX, XXXX payments and my mortgage hasnt applied them. When I spoke to United wholesale mortgage now they are telling me they probably sent them back to haf since Im on a forbearance until end of XXXX. That doesnt sound right because I been on a forbearance since XXXX and payments were getting applied since XXXX and just stopped in XXXX. I need answers I need my payments applied this a Government program and I was awarded 18 months of payments to my mortgage and they cant just hold the money and not apply it
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| 04/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am attempting to transfer the title of my mortgage into a trust for estate planning purposes. I have called in 5 times asking if its possible with my mortgage loan type, each time I was advised they can not answer my question and that I need to send a written request to their Assumptions department. I was given an email address to email my written request to. I have sent emails on XXXX, XX/XX/XXXX and XXXX with a new written request for steps on transferring the title. At this point in time I have received no response to any of the written requests sent. When I call into customer service I am being told they have a follow up call set for XX/XX/XXXX. It at this point in time they have clearly missed that time line. Since they have not even acknowledged my written request they have clearly missed the RESPA guidelines for written requests.
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| 12/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a Mortgage account with United Wholesale Mortgages and have escrow services on the loan. The vendor has placed Lender placed home insurance since XXXX on the property in spite of providing all required paperwork to them and the primary reason is a issue on their backend where they have suddenly made the property a single family home instead of townhouse which it actually is. I have called over 4 times and have even talked to their resolution department and while they have confirmed they have everything they need and have internally sent escalation letters as the backend entry was being corrected they have missed their own SLAs on getting this corrected. This is causing the mortgage payment to increase as the lender placed insurance is eating into the escrow. Since the issue is well over now close to 2 months want to get it fixed.
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. Please update the following account : XXXX XXXX XXXX : {$260000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
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| 08/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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after refinance with United Wholesale Mortgage, i made my first payment on XXXX XXXX for first payment XX/XX/2020, as indicated on legal settlement documents. up to now i made XXXX and XXXX payment on time. But since beginning of the first payment, UWM website indicated i need to make first payment starts on XXXX XXXX over last three months i have been trying to resolve a issue with UWM to correct the issue in their update system. only respond from UWM customer service that they do wear the issue and they will make correction. but due to UWM 's negligent conduct, my credit scores are down to low XXXX from XXXX because UWM reported a delinquent payment to credit reporting agency for not received a payment even after payment was made on time. Due to UWM negligent i am still hold to purchase an automobile and among other things.
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| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have contacted United Wholesale Mortgage and I have had my mortgage Broker also contact them asking that they correct the incorrect information on the pay history of my account. I have also completed a conference call with the lender an the credit bureau.
United Wholesale Mortgage is reporting I was late XX/XX/XXXX 30 days and this is not correct. I was 30 days late in XX/XX/XXXX and CURRENT XX/XX/XXXX. UWM is also stating I was 30 days late on XX/XX/XXXX which is not accurate. On United own site it does not show I was 30 days late in XX/XX/XXXX which I was not and my account history shows I was not 30 days past due.
United Wholesale Mortgage is not changing these items to reflect correctly which is resulting in a lower credit score so they can charge a higher rate and fees on the loan that I am currently in process of
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| 06/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX XXXX I sent United Wholesale Mortgage my updated county tax statement because I am over accruing with them on taxes. They never responded. I called them on XXXX to discuss further and they had me submit a request through their website, which I did. They never responded with a solution so I followed up on XX/XX/XXXX. They finally responded that the request would be completed by XXXX They never completed the request or responded. I followed up on XXXX and they never responded. I followed up on XXXX and they responded with a response of, we are opening a case. They are charging me {$2000.00} extra each month because they are not fixing my issue. I simply can not afford this but have no options because I need to pay my mortgage so my family of 5 does not get foreclosed on and I have no power to fix this.
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| 10/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I was sent a letter from United Wholesale Mortgage ( mortgage servicer ) stating that after 1 year of servicing my mortgage, they didn't have enough funds in my escrow/impound account and I had to pay an extra {$6100.00} to bring the escrow account up an acceptable " cushion '' level. When my loan was funded in XX/XX/XXXX there was not sufficient funds held for taxes and insurance and a full year later they realized the mistake and asked for {$6100.00} or an extra $ XXXX. When requesting to eliminate the escrow account on XXXX via faxed letter, and handle taxes/insurance on my own, they sent me a denial letter on XX/XX/XXXX. Having to pay an extra {$6100.00} a year after this load funded to cover an escrow cushion has created a financial hardship and they do not care. Shame on United Wholesale Mortgage
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| 04/22/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Dear CFPB, I am writing to file a claim regarding a recent incident involving my mortgage broker. Approximately XXXX months after purchasing my home, the broker warned me that my loan was currently in a risky state and urged me to refinance, offering to cover a portion of the costs. However, after seeking advice from multiple sources, I have determined that this was a scam.
Additionally, I discovered that the mortgage broker ran a hard credit pull without my permission, which lowered my credit score by approximately XXXX points.
I am reporting this incident to inform you of the extent to which such scams are affecting consumers and to request that action be taken to prevent further harm. I urge the CFPB to investigate and put an end to these fraudulent practices.
Thank you for your attention to this matter.
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| 12/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Fees charged
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Web |
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I have opening case- XXXX This company has not addressed the late fee issue ; instead, they've sent me a new bill with the late fee included. What concerns me is that the same situation, which was supposed to be resolved in the last case, is happening again now. The company assured me over the phone that they would rectify the late fee due to a system mistake, only to charge me again.
I've lost trust in this company as it seems they are finding excuses to charge customers, possibly because I locked in a low rate and consistently paid my bills on time each month.
I request assistance in resolving this matter and preventing other customers facing similar issues from experiencing the same. This situation is adversely affecting my credit and consuming valuable time as I have to repeatedly dispute such matters.
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| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My husband and I have been trying to get on a budget drafting plan. We have paid in full ahead for 2 months. We sent paperwork in originally XXXX/XXXX/22. They said we needed the paperwork and pay XXXX in full in by XX/XX/22 to make this happen. We did everything. It never happened. The told us to try again. So, we have resent everything again. Our next mortgage payment is now not due till XXXX as we are paying early to try to get on the budget plan. This is advantageous to the company to not have us on a budget plan as they make more money off interest. I am currently on hold with them as I write this because they will not let me talk to someone. The company keeps telling us to call back days later and nothing is getting done. We are going to have to pay AGAIN a month in advance if this does not work again.
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| 10/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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As I was struggling with financial hardship during the pandemic, I reached out to XXXX for financial assistance with my mortgage.
It seems they ( investor ) had granted me deferment modification on XX/XX/XXXX. I was never told by any of their representatives about this as every time I called and expressed my hardship time after time to follow up on the status of my loan.
As a result the balance has accumulated for the past 19 months in delinquency.
I sent them an updated financial package on XX/XX/XXXX with all documents requested asking for help with the delinquent balance and wanting to resume payment as my hardship has ended.
I am awaiting their decision to resolve the matter through any sort of financial assistance modification, and as a borrower I can once again start making my monthly payments.
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| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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A company called XXXX XXXX XXXX asked us to apply for a refinance loan on our current mortgage company UWM. They told us that they could help lower our payments to better afford our mortgage. We applied and within a month they had us paying them a lesser amount for the mortgage and said it would take a couple of months to be granted a new loan amount. We paid XXXX $ roughly a month for 8 months. I found out later that they had dissolved their business and had taken the payments. This started in XX/XX/2022 and ended in XXXX 2022 for the amount of XXXX XXXX They secretly without our knowledge and consent filed a Forebearance application under our name and SCAMMED us out of the money promising a cheaper mortgage payment. I can provide the necessary paperwork that XXXX XXXX XXXX had us file if need be.
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| 12/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2022, my son let me know that he had not paid his mortgage since XXXX. Both myself and my husband are cosigners on the loan. On XX/XX/XXXX, I paid all outstanding payments and he is now on track. UWM did not notify me or my husband in any way to let me know that there was a 30 day late or anything. There have been no emails, no letters and no phone calls.
On XX/XX/XXXX, we looked at our credit and it is a mess. After talking to a lender, they said to call the mortgage company. On XX/XX/XXXX, I called and talked to someone who said they don't contact cosigners because they don't have their information. I have another mortgage with them and get XXXX from them in email all the time. And on the original loan documents they have my address as " borrower General Contact Information. ''
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| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I received a letter in XXXX stating I didn't have Hazard ins. on my condo. I'am in a HOA and the ins. was in tack and has never lapsed ion the 20 years I've been here. I immedialtly mailed the Mortgage co. the current policy. I also scanned and sent it.
I called them after another letter in XXXX. I then had the XXXX ins. agent call them.
It was all supposed to be straightened out. I have called 7 times since then, I'am told they have what they need and would call and mail me proof. 2 months of this and still XXXX haven ; t received anything. Now I got a letter stating my mortgage payment is going up XXXX dollars a month, starting XX/XX/XXXX. I don't know what else I can do with these people. They all tell me I will hear from them within 24-48 hours. It never happens.
Please Help/ XXXX
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| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I have been patiently awaiting a refund of my Escrow account. On XX/XX/XXXX, a check was issued to me mailed to residence. When I did not receive this check in the mail I contacted United Wholesale Mortgage several times stating non-receipt of this payment. Finally, on XX/XX/XXXX the check was found to have been cashed though mobile deposit by someone else. I have no knowledge of the identity of the person that forged the check and would like to pursue legal action against them.
I have been calling XXXX and XXXX XXXX since early XXXX. On XX/XX/XXXX, I was advised to send this written request so that a check can be reissued as soon as possible.
Nothing has been done I get hung up on told to send in new forms. I feel like I committed a crime when I was the victim.
Amount {$2600.00}
|
| 07/20/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I qualifed for a loan modification after a deferment for COVID. They keep rejecting our ( co-signed and myself ) paperwork that needs to be notarized. It has been rejected for frivolous and ridiculous reasons. I was told that it was rejected because my 6 didn't look like a 6 when signing, and then another time was because we didn't get it done on the same day ( we live in 2 different states ). This has been rejected at least 4-5 times since XXXX of 2021. I can not make a payment online and to make a payment I'm on the phone for at least 10-15 minutes every time and my payment changes every time and when I ask why I get a different answer. The inconvenience of all this is outstanding! Let me not even get into the credit aspect of all this. How shameful and horrible this is to customers!
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| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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Since my husband and I refinanced our mortgage with United Wholesale Mortgage ( UWM ) in XXXX of XXXX, every mortgage payment we have made has been misapplied to principal instead of the monthly payment and additional principal, reversed, and then reapplied against the correct payment due, with a delay. I have called on multiple occasions to resolve this, and have been told things like " you must have selected the wrong option '' ( which is not accurate ) or " the payment was misapplied, but we've fixed it, '' or " there's a glitch in the system. '' The last time I spoke with UWM customer service, I told them that the next time this happened, I would contact the CFPB, and they assured me that it would not happen again. Despite their reassurance, on XXXX XX/XX/XXXX, this happened again.
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| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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My lender is united wholesale mortgage. I called because we were impacted by COVID 19 and they put us into forbearance for 1 month. I need to extend or pay XX/XX/XXXX. I have called for a week now. Every time it puts me through an automated system and when it moves to trying to get to a representative it rings for several minutes then says that due to high call volume they cant take my call and just auto hang up on me. I tried to write an email through my account but it takes me to another page and when I try my login and password it fails to work. So I have no way to email them. I need to know if I can get it extended or just make the payment but Im at a stand still because I cant get through to them at all. Im worried this will impact my credit and put me at risk of foreclosure.
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| 04/11/2022 |
Yes |
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- Trouble during payment process
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Web |
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I called my mortgage company ( united wholesale mortgage ) on XX/XX/XXXX about removing my PMI ( Private Mortgage Insurance ). I was transferred to the PMI department and never got an answer from anyone in the PMI department, I was told that someone will call me back later but I never received a callback. Then on XX/XX/XXXX XXXX am CT I had a chance to speak with XXXX about removing my PMI and I was told I could not remove my PMI even though I have over 20 % equity in my home. I closed on XX/XX/XXXX, at {$250000.00} and now my home equity has increased to {$340000.00} a year to date currently. I have never been late on payments or missed payments on my account. From my understanding, these are qualifications to have your PMI removed from your mortgage. Thank you for your help.
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| 03/23/2020 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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Today I called United Wholesale Mortgage to discuss the hardship that has fallen on my family due to the Covid19 pandemic. My spouse and I are currently out of work or had our hours cut back drastically. We are concerned that we may not be able to pay pour mortgage the next couple months. When I called I asked about deferring our next 2 payments to the end of the loan. I was basically told no and that I can fill out an application for Short sale, refinancing, loan modification or repayment which would involve making a higher monthly payment. None of those would apply to us. This is the only financial company that has given us an issue. Not only do we have to worry about no income coming in, we know have to worry about a greedy mortgage company not willing to work with us.
|
| 04/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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UNITEDWHOLESALE I enroll in autopay with them, I did my first payment on XX/XX/2022 for the month of XXXX XXXX. UNITEDWHOLESALE did not collect XXXX and XX/XX/2022. I did contacted them on XX/XX/2022. I was informed that they have some technical issues and they are accountable for the mistake of the autopayment. On XX/XX/2022 they were able to received the ( 2 ) payments and because it was not my mistake they did not give me a late payment charge. Now I have a bad credit and this issues need to be solve because it was UNITEDWHOLESALE technical issue. My credit report show XXXX points on my report.
I would appreciate to assit me how to get fix.. see below the payment Thank you!
We have received your loan payment.
Date Received : XX/XX/2022 Payment Amount : {$1300.00}
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| 07/25/2020 |
Yes |
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- Trouble during payment process
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Web |
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I have a loan from my house with UWM. On closing day everything was fine, the house insurance was fine and everything seemed perfect. They never called me to tell me something was up. Then I received a check from the home insurer and called. I was notified that the insurance had been canceled. then call UWM and notify me that the insurance if it was active it had an amount but it was for the taxes that I paid them through the page and everything should be fine. I trusted what they told me but then here in my direction there was an ice rain and my roof was damaged and I called the house insurance to repair it and they told me that we don't have insurance. It is irresponsible I trusted the word of the representative who attended me. and it turns out my house is uninsured.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
My complain is about late Mortgage Payment from United Wholesale Mortgage Company.
It States that my daughter was late for this month.
The XXXX XXXX company sold the mortgage to United wholesale Mortgage. But my daughter received letter from UWM that they received the payment on XXXX XX/XX/XXXX.
I was a co-signer for this mortgage. my daughter pays her bills.
Info for UWM loan number- I have only the last 4. XXXX Tel # XXXX My second complain ia about the XXXX XXXX XXXX I canceled our agreement in XX/XX/XXXX and received a confirmation letter from XXXX dated XXXX XX/XX/XXXX. But I have a report on my credit report that I was late from XXXX XXXX. Which totally I don't agree Info for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Tel # ( XXXX ) XXXX
|
| 11/03/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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FORBEARANCE from the pandemic has now turned into a foreclosure! My payments were current each and every month until XXXX of 2021. I applied for forbearance and was granted a forbearance. I extended the forbearance another 90 days to XX/XX/2021. I had requested to exit forbearance this month in XX/XX/2021 as I was offered a solution of a reduced interest rate to 2.58 % and extend the loan term to 40 years. I have recently been informed that my loan is in foreclosure and I owe nearly {$19000.00}! The mortgage statement for XX/XX/2021 also reflects that XXXX and XX/XX/2021 were included in the forbearance, yet I did not request forbearance assistance until XX/XX/2021.
My good credit rating does not exist anymore and this is not how the forbearance is supposed to work.
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| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
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My flood insurance carrier sent two invoices to United Wholesale Mortgage, UWM did not pay those invoices and my policy lapsed. As a result I've been told I have to reapply for flood insurance and my premium has doubled.
My insurance payments and taxes are escrowed and my flood insurance carrier is listed as a payee on my escrow account. The account also clearly states that the the policy was set to expire on XX/XX/2023. They received two separate invoices from my insurance carrier, the first on XX/XX/2023, and another one on XX/XX/2023. They also received a notice of cancellation on XX/XX/XXXX but they failed to send the payment within the required timeframe. Instead, they chose to send me a letter advising me that they would force place insurance on my account.
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| 08/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I paid an extra payment of {$10000.00} on ONE check noted to principal ONLY. My payment was split up as partial principal and partial house payment - I received 2 email notifications which is what brought it to my attention.
I was told the amount of {$1300.00} was applied as a regular payment with interest when I called to questions the split notice even though my payment is on autopay and was just paid for this month on the first.
100 % of my {$10000.00} should have been applied to Principal.
Only {$8900.00} was applied to my principal.
LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I would like the {$1300.00} applied to the principal ONLY on the address listed as indicated on my check and payment stub supplied with the check.
Thank you, XXXX XXXX XXXX
|
| 10/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
On XX/XX/23 I received a letter from United Wholesale Mortgage ( UWM ) stating that We have provided materially false information in the Uniform residential loan application and are therefore in default of the security instrument. you failed to disclose a debt opened prior to your completion and execution of the loan.
The debt they are referring to has already been paid off.
UWM is pressuring us to refinance or face Foreclosure. With the rates increasing, its making it impossible for us to qualify again for a loan. The closing costs are too high. We can only afford the current mortgage payment we have now.
UWM called us and threaten us that we committed fraud, and if we don't refinance we can face 1 Million in fines and up to 30 years in federal prison.
|
| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My refinance closed in mid XXXX - UWM was paid in full and the remaining moneys in my escrow account plus any overages were due to me ... on XX/XX/XXXX the lender claimed they sent me the check ... by XX/XX/XXXX I hadn't received so I called them and they stated they would instead wire finds, and obtained my checking account and routing number ... 7 days later I called them again today and they are saying while they see the call from last week and the request to wire, it has been cancelled and instead a check will be reissued - nearly 60 days after the refinance was closed and the payoff processed ... this means I won't have these funds to pay other high interest bills and it will actually end up costing me {$1000.00} 's of dollars due to their ineptitude ...
|
| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is with United Wholesale Mortgage. currently my taxes and insurance are impounded and paid by United Wholesale Mortgage. The disbursed a total of {$8800.00} from my escrow account to pay my XXXX XXXX County Tax bill. This money has not been received by XXXX XXXX County and I've been charged penalties of hundreds of dollars because of this. Not only have I received penalties for the non payment of my property tax I've also lost my interest rate while trying to refinance my loan. I've been calling United Wholesale Mortgage for over a month and they have no resolve. I also sent them a copy of my delinquent tax bill. These taxes were due months ago and I really need a resolution. I don't pay my bills late and this has caused me a great deal of stress.
|
| 11/20/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. UNITED WHOLESALE MOR XXXX I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
|
| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Refinanced the home in XX/XX/2022 and added escrow to the loan. UWM has been over charging my every month for home owners insurance when it was already fully paid for the entire year. On top of that, they sent a new escrow estimate statement in XXXX and significantly increased my monthly mortgage payments when I already had an enormous balance in my escrow account ( roughly $ XXXX ). Additionally, in XXXX when I went to double check. my payments, I found out that they utilized the wrong insurance policy on my home for {$3500.00}. My insurance is under {$1300.00} a year so an increase would never go beyond {$1500.00}. It turned out that the insurance policy they used was for a different house. I have contacted them early XXXX and yet to have this resolved.
|
| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage transferred my loan to XXXX Mortgage. I called to find out how to discontinue the auto pay i had established with them. I was told that it would automatically be disconnected and no further payments would be automatically collected. So i issued a payment to the new mortgage company which was processed XX/XX/22. Then on XX/XX/22 XXXX took another payment thru auto pay which i never set up with them. I never gave them my checking account info nor permission to automatically take any payments. United wholesale disbursed my personal account information nationstar and they basically used it to steal money from my account that i did not owe them. I believe they both are in violation of using my personal info to steal money from me.
|
| 04/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XXXX pmt was {$1000.00}. XXXX notified me of a {$600.00} escrow shortage in XX/XX/2022 and I sent in {$700.00}. XXXX stmt date XXXX stated pay {$39.00} for escrow shortage and your pmt will be {$1000.00}, if not your pmt will be {$1000.00}. I paid {$50.00} and called XXXX to confirm receipt and was told my pmt would decrease to {$1000.00}. Instead my pmt increased to {$1000.00}. I called XXXX today and they said they would reduce to {$1000.00}. I asked why isn't it {$1000.00}? He said your pmt will go up even if you have adequate funds in escrow to cover the increase because the Tax Collector said taxes were going up. This is patently unfair as XXXX has adequate funds in escrow to cover taxes and insurance and is collecting more than is necessary.
|
| 06/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I submitted a payment for {$2600.00} on a invoice amount of {$2500.00} on the XXXX of XX/XX/XXXX. The payment is due on XX/XX/XXXX and the loan servicer shows the payment in their system on XX/XX/XXXX.
I began receiving calls from the Collection department on XX/XX/XXXX stating that i did not make a payment. The company then was able to see my payment and stated it was being returned, but was unable to tell me why.
At this time I have been instructed that the payment is being refunded to me. The company is unable to tell me why.
I have also been charged a late fee.
At this time it is unclear where my payment is or how to rectify the issue. I am hesitant to send them more money as my bank shows they took the payment and have yet to return it.
|
| 08/28/2023 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
|
|
I want to express my complete displeasure with the closing process that resulted in an increase in my closing cost by nearly XXXX XXXX on the day of closing XXXX In the final weeks of closing UWM underwriters requested updates to credit that resulted in multiple hard pulls of the credit. The multiple credit pulls dropped my score below a conventional loan score and changed the terms of the closing cost as well as the type of loan I qualified for with no warning. The UWM underwriters instituted a series of delay tactics that prevented me from closing on time that also resulted in a change in closing terms as well. All in all UWM took various steps that resulted in more out of pocket expenses on my part as well as enriching my loan for profit.
|
| 10/11/2018 |
Yes |
|
|
|
Web |
Servicemember |
|
I bought a building in XXXX of XX/XX/2018 and the people that were hired to help with the purchase completely took advantage of me being a first time buyer. These people ( Agent, Bank, POA representative, and the Appraiser ) are all involved. I believe that my loan is preparatory because of the following : 1 ) .Property sold for too much.
2 ) .Previous owner told me things were fixed but weren't.
3 ) .In the Last six months not one property has been sold for the amount that i paid for my property.
4 ) .I was sold this building without any regards for my financial obligations.
I would like help getting my money back and getting completely out of the deal so this property doesn't put me in a financial hardship that i am on my way to being!
|
| 07/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We purchased a condo in XXXX XXXX, fl. Closed on XX/XX/XXXX. We received a letter a month after closing saying we needed flood insurance from the mortgage company. We are on the 3rd. Floor, the condo association provides flood insurance. We provided the mortgage company with the documents from the condo association. They are still stating we need flood insurance. No one else in the condo has flood insurance. The mortgage company proceeded to put us in collections and opened an insurance policy for {$3600.00} for flood insurance and opened an escrow account. We have contacted the mortgage company several times and they are still saying we need this insurance. Our broker said they should have never let us close if this was an issue. ThankYou.
|
| 04/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
On XX/XX/2020 a payment in the amount fo {$890.00} for my mortgage was sent to United Wholesale Mortgage through XXXX XXXX XXXX XXXX but did not reach this company due to being sent to the wrong P.O. Box number. According to the endorsement on the back of the check a company, XXXX XXXX, with XXXX XXXX, cashed/forged the check. I have reached out to XXXX Mortgage Wholesale Mortgage, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX to resolve this issue. I have been asked by XXXX XXXX to obtain a notarized Affidavit of Forged Endorsement from United Wholesale Mortgage stating that they did not receive the funds. I have been in touch with XXXX numerous times and they repeatedly say they will send it to the research department. But to no avail.
|
| 06/14/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
United Mortgage Wholesale has not responded to our request that they re-calculate the escrow analysis for year XXXX based on the tax assessment from XXXX XXXX Georgia. at present we are paying {$6700.00} for tax year XXXX our New tax bill for Property tax for XXXX is {$4900.00}. United Wholesale has not changed the escrow for XXXX therefore they are increasing our Mortgage Payment from {$3200.00} to {$3900.00} starting XX/XX/2023 -this is unjust and unfair. I have sent ( 2 ) letters and spoke with United Wholesale Mortgage, They are demanding that we pay {$5300.00} immediately or they will increase our mortgage payment by {$660.00} dollars- My family will be in foreclosure if this travesty continues to happen..
Help XXXX
|
| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was transferred to UWM loan servicing. There was a problem with the first payment being processed between the servicer and my bank. The servicer never contacted me by email or phone. When I went to make the following payment I realized the payment wasn't processed correctly. I then made XXXX payments at once to get the account satisfactory. Under the law I'm granted a 60 day grace period from being reported late or incurring any late fees. UWM continually reports me 30 days past due to the credit bureaus. They refuse to update my account to current with no late pays. I have made several attempts to work with UWM servicing to get this rectified. Please work with them to get my payment history reported correctly.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to UNITED WHSLE MORT XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
|
| 04/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I recently purchased a home in XX/XX/2021. My first payment was due on XX/XX/2021. I received a bill in the mail and promptly paid it. Since this was my first bill I only had a general idea on how much my bill was to be for which was approximately {$1200.00}. When I didn't receive my XXXX bill in the mail this prompted me to call the lender. Come to find out that the XXXX had delivered the wrong bill to me. It was my neighbors XXXX! My neighbor has the same lender as me so I did not note that it was her bill. I paid her mortgage for the month of XXXX by mistake.I have contacted the lender multiple times by phone, by fax and by email. To date, more than XXXX months later, they still have not corrected the error.
|
| 03/03/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with United wholesale mortgage. They admitted that failed to pay my homeowners insurance from my escrow account, thus causing a lapse of a month in insurance. Setting aside how disastrous that could have been, they are now charging me a {$170.00} fee for the lapse of insurance coverage, which was their fault. I've spent hours on the phone with no resolution. I also paid my insurance myself and faxed them notification that I no longer want my insurance part of the escrow account. Despite that they just notified me that my escrow account is short {$2900.00} therefore I have a new mortgage payment two hundred dollars more. And they wont change it despite knowing I will be paying my own insurance.
|
| 01/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
2nd complaint - the first response was addressed to someone other than myself - I don't live at or have any knowledge of the address listed on response ( XXXX XXXX, XXXX XXXX, CA ). I did not apply for a refinance, our loan did not process in 2020, nor did I apply with a 3rd person. This response does not belong to me.
My rate was locked 8 days after updated credit report was generated and discount points increased the day after rate lock with no new information or valid change known at least 3 business days prior. Per the CFPB TILA-REPSA disclosure rule, the lender " may not issue revisions to Loan Estimates because they later discover technical errors, miscalculations, or underestimations of charges. ''
|
| 05/12/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Hello, My homeowners insurance dropped me. They will not reinstate my policy. I called my lender company to let them know they needed to send my insurance payment as soon as possible. They were provided with an overnight address and advised from my insurance company that it was crucial they send payment in as soon as possible. They did not. They claim their system sent the payment automatically and it was sent XX/XX/2023, and it was due XX/XX/XXXX I believe. My insurance company says they didnt receive payment until XX/XX/XXXX. I should not be penalized for something that wasnt my responsibility. I cant afford the extra {$200.00} that it will cost me to get new insurance. This is not ok and unacceptable.
|
| 05/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage payment has doubled due to the fact that the escrow collected was not satisfactory to pay the tax bill. The escrow collected was on projected {$630.00} of taxes. The actual tax bill was {$4800.00}. Now my mortgage has gone from {$860.00} to {$1700.00} overnight.
How was escrow of the property so far off? I feel that the lender INTENTIONALLY did not estimate taxes for a new construction to make the sale! The loan was for a new construction investment property, so why didn't the lender use comps in the area for an estimated tax bill rather than use the land value of the lot?
Why was I not informed of this in XXXX when the tax bill was paid by the escrow? Now I have a {$6300.00} shortage.
|
| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX, I paid UNITED WHOLESALE MORTGAGE {$2500.00} for an additional Principal Payment. On XXXX, The XXXX XXXX XXXX took 3-payments of {$2500.00} XXXX {$7500.00} XXXX from my account instead.
Additionally, there are 5-payments of {$2500.00} Pending for XXXX {$12000.00} XXXX These Criminals are stealing {$17000.00} from my bank account.
I want XXXX charges against XXXX XXXX, XXXX XXXX XXXX This is a money grab that affects over 1 million people according to the XXXX at United WholeSale Mortgage, XXXX XXXX XXXX. These are crooks of the highest order. They have been informed I will not be making another payment except to pay off the mortgage. I want my money back and my pay statement immediately.
|
| 06/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hi, monday XXXX XXXX I ask a relief foresbance for XXXX, XXXX and XXXX in My morgage : United Whole Morgage and I submitted it in the web I have the screenshot on XXXX XXXX, and I got a Negative report in my Credit Score with delay in the month XXXX, they had a mistake because I ask the plan foresbance with a lot time anticipation for XXXX, and They just are telling me they are doing the investigation and I dont get solve, I am in XXXX and my Negative point is reported yet like a delay in my payments and not like foresbance plan with them, they tranfered the credit for another company and now they are not being responsible with the mistake.
I need help because that is affecting my credit unfair
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage was sold to United Wholesale Mortgage in XX/XX/XXXX. I enrolled for autopay on XX/XX/XXXX as confirmed in attached email. The first autopay was set to draft on XX/XX/XXXX as confirmed in attached email and we made the XX/XX/XXXX payment manually. On XX/XX/XXXX we received a letter that our account is delinquent and XXXX payment has not been received, late fees were assessed. We checked our account and the mortgage payment was never pulled for XXXX. I tried calling the company and they were closed so I used the chat option on their website to explain the issue. I received a response that my next payment was scheduled to auto draft on XX/XX/XXXX ( see screen shot of chat attached ).
|
| 03/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The lender UWM has failed in its duty to pay the quarterly property tax/PILOT payments to the town in time although the tax is being escrowed. This has resulted in penalties which, despite UWMs promise, were paid from my account instead of bearing by them. Now the tax for the first quarter was due in XX/XX/2023 but they have failed to make a timely payment and I am receiving reminders from the town. I sent messages on XX/XX/XXXX with a reminder by a secured message and a phone call.
This has happened previously last year where I had to spent countless number of hours in making them pay the taxes out of my escrow account. I have the supporting messages that I can provide should it be needed.
|
| 03/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We recently refinanced and our loan is with United Wholesale Mortgage. The first payment was due in XX/XX/2021. We paid the first payment on XXXX XXXX. They lost that payment. So when we paid the next month in XXXX ( for XXXX payment ) they applied that payment to XXXX. Same thing happened in XXXX for XXXX. We've been in contact with the company since XXXX. We've sent proof of payment twice - once from our bank. I took the afternoon off to call and get it resolved. I spoke to a few people, got transferred around, and ultimately got disconnected after 2 hours on the phone. They have been given all of the documentation proving we've paid the payments on time, but our account remains delinquent.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My mortgage account with United Wholesale Mortgage was paid in full on XX/XX/2020. It is now the middle of XXXX and the account shows that we still have an outstanding balance. I started calling United Wholesale Mortgage at the beginning of XXXX along with filing credit disputes with the 3 Major Credit Bureaus. United Wholesale Mortgage will not answer any of the Credit Bureaus and they keep telling me they " are looking into my case ''. They acknowledge the error but have yet to report the balance paid in full. I have called every day since XX/XX/XXXX and keep being told It will be solved in the next couple of business days. Yet here I am again 2 weeks later and it is still not resolved.
|
| 09/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX XXXX sold my mortgage that was in good standing to XXXX I understand this may be standard practice but consumers should have a choice in who they pay to service their needs. XXXX has a list of fraudulent and unfair consumer practices. My complaint # XXXX. XXXX filed against XXXX has already be filed but I believe that XXXX XXXX XXXX should also be held responsible for dealing with a less then reputable company. My loan was in good standing, my payments all made on or before due date, my credit history is strong. I should have had a say in who gets my business. I should not be having a financial crisis because of a company I didn't authorize to service. This is not good practice.
|
| 03/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company United Wholesale Mortgage failed to pay city and county tax for XX/XX/XXXX. The city and county transferred that bill to a collection agency.
By the time I received a bill from the collection agency, the penalty amount has reached {$1200.00}. The total amount including principal + penalty = {$4500.00} I paid for that bill.
I contacted United Wholesale Mortgage on XX/XX/XXXX asking them to reimburse me the total amount. They said they paid me the principal already back XX/XX/XXXX and agreed to investigate about the penalty.
I checked my bank records and do not show receiving that principal amount.
At this point, they dropped the case and stopped responding to me.
|
| 12/07/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
COMPLAINT : UNITED WHOLESALE MORTGAGE ( UWM ) I REFINANCED MY FHA LOAN THAT I HAD WITH UWM TO ANOTHER LENDER AS A VA LOAN.
MY SETTLEMENT COMPANY PAID OFF THE {$690000.00} THAT WAS THE PAYOFF AMOUNT DUE ON XX/XX/XXXX.
UWM DIDNT PROCESS THE PAYOFF AND SAID I WAS SHORT ON MY PAYMENT.
THEY CHARGED ME {$600.00} FOR XXXX PMI EVEN THOUGH I PAID MY PMI THROUGH XXXX. THEY CHARGED ME AN ADDITIONAL 7 DAYS OF INTEREST {$480.00} AND ALSO ADDTIONAL ESCROW CHARGES. TOTAL OF {$1700.00} AND COULDNT EXPALIN TO ME WHAT THE CHARGES WERE FOR.
I CALLED THEM 6-7 TIMES AND SPOKE WITH VARIOUS ASSOCIATES AND MANAGERS AND THEY COULDNT EXPALIN WHAT HAPPENED. I WILL BE REPORTING THEM HERE AND TO THE XXXX.
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Please help with rectifying the late payment on each of my XXXX accounts I have with United Wholesale Mortgage. I slightly remember there being some sort of technical issue with online banking when trying to make the payment in XXXX. I thought I had submitted the payments but according to my credit reporting it says otherwise. I looked at my bank statement in XXXX and it shows that payment was made on XX/XX/2022 to both accounts. Please see attached statement. I had full intent to pay and have many mortgages with UWM and plan to have more in the future. As a one time courtesy and out of goodwill, I graciously ask UWM to help me resolve this matter by removing both late payments.
|
| 02/14/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Ive been calling since XXXX to have the grant I was approved for processed to my account to bring it current. The grant program has confirmed payment was sent since XX/XX/XXXX. They then confirmed it was sent to my mortgage service again on XX/XX/XXXX. I called today to check the status and was told by UWM that they havent received the payment yet. However they sent me a notice stating that if they dont receive the payment by XX/XX/XXXX they are starting foreclosure proceedings. On XX/XX/XXXX I have had a rep three way call the grant program to confirm they sent the payment but it still has not posted to my account yet Im getting notice after notice about my delinquent account.
|
| 01/17/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
For over a year XXXX to XXXX plus and to present I have been illegally denied all access to cash out references, no equity line of credit, not allowed, no 2nd mortgage. I had perfect credit, good debt to income, current pay check, only wanted 10 % of the $ 250k equity in my house. I would have been debt free AND lowered my mortgage payment.!!!!! It was the smart thing to do. All California banks including federal credit unions denied me, all healthcare benefits are always denied both VA and the XXXX XXXX XXXX openly and in writing steal everything from me. For more than 3 years now Im 16 months behind on my mortgage cant walk no gas and the cfpb is responsible for helping them
|
| 03/23/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
our home was ruined by hurricane Ian we received an insurance check for {$110000.00} i called the bank and they told me to send in a mortgage affidavit on the document i told them i wanted the check to go towards paying off the mortgage my title co keeps calling them for a payoff quote but they will not give them a quote minus the ins check i am a XXXX vet XXXX yrs old i do not need the stress this bank is putting me through i just want to sell the home and start over it does not take a rocket scientist to take XXXX and minus XXXX to come up with a closing amoount please help me get this done the co is united wholesale mortgage XXXX XXXX XXXX XXXX ohio XXXX tel XXXX XXXX XXXX
|
| 09/27/2023 |
Yes |
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
During closing we were told verbally PMI could be removed after 3 payments due to equity in the home. XXXX XXXX XXXX XXXX XXXX Made three payment, called and told need to make 24 payments. Made 24 payments. Now told after 24 payment 20 % of the note needs to be paid off ( XXXX ), wait until 20 % is paid off or reevaluated under the Homeowners Protection Act which I asked for. If an AVM is not available, I would have to pay for an appraisal. I have gotten a second appraisal in XXXX to back up the homes value in case the AVM came in low. I was told results would take 30 days. Now a 33 days later after 21 months of waiting the initial 3 months we were told originally i am done.
|
| 03/29/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
- Tried to set up automatic payments online, unsuccessfully due to a software issue that the mortgage company experienced.
- Tried 3 times to set up automatic pay on the phone as customer service walked me through. Customer service should be able to check on their end once I had completed the task to see if it was set up correctly - The only notification of whether or not it is correct was a letter in the mail.
- I had received letters prior but never receive one the last time I tried to set up auto pay with customer service on the phone - It is set up correctly with the same exact bank account information on another loan I have with united wholesale mortgage
|
| 09/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to recast my loan with a {$100000.00} payment towards my loan principle. After several attempts starting on XX/XX/XXXX my request to recast has been unacknowledged. I have received several different instructions of information to submit to an email address when calling. There is no representative with United Wholesale Mortgage that I can speak with about my recast request. Only an email address with no response is available for recast requests. It is well over the processing time that I was told it would take for recasting. I believe my requests are intentionally being ignored to collect more interest from me and sell my loan before recasting.
|
| 04/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am a new customer of UWM. I was notified by my insurance agent that my homeowners premium was only partially paid by UWM. My insurance agent and I both attempted to contact UWM multiple times to have this resolved and were unable to make contact with a single person at this company. After a week of XXXX contact, I reached out to my loan officer ( who does not work for UWM ) to request a different method of contacting this company. My contract stipulates that my premium would be paid in full by UWM. I do understand that mistakes happen, however, the inability to even contact a company representative or have an email returned is absolutely unacceptable.
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| 04/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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|
I called my mortgage servicing company United Wholesale Mortgage about a forbearance on my mortgage payment, due to loss of income. I was told that there is only one repayment option. Which is to repay my mortgage forbearance in one lump some. It also states the same on their " Coronavirus Assistance '' page.
https : //assistanceprograms.loanadministration.com/ I don't understand how this can be any type of assistance? I am having financial difficulty due to loss of hours because of the Coronavirus, How is it " helpful '' to be told that I have to come up with a lump some payment of nearly {$20000.00} at once? The problem is I dont have enough to pay.
|
| 09/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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The bank that holds my mortgage, XXXX XXXX XXXX, is complicating the process of paying mortgages online. If you go to their website, XXXX XXXX XXXX, you can see that it is geared toward mortgage brokers. The login button on the site is in the upper right hand corner and reads " EASE LOGIN '' in an orange box. This login is for mortgage brokers, not borrowers. If you attempt to use borrower credentials, the login will not work. Instead, you have to scroll down to the bottom of the page and click " loan servicing '' in much small nondescript print to pull up the login for borrowers. I find this overly complicated and difficult to remember month to month.
|
| 09/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
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I am a mortgage broker in CA with a complaint against United Wholesale Mortgage. The issue is UWM instructed escrow to deduct a {$970.00} lock extension fee from my Lender Paid Comp, as they said it was to far into the process to re-disclose to and charge the borrower. I have never heard of such a thing and I did not agree to this. Rather I found out at funding when I looked at the funders instructions to escrow to deduct the lock extension from my XXXX. I want that {$970.00} refunded to me as I did not agree to pay it. UWM should have properly re-disclosed to the client and not pull this fast XXXX out of my comp. I will never use that company again.
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I logged onto the United Wholesale Mortgage website to check the status of my XX/XX/2022 automatic payment. The United Wholesale Mortgage website said my loan had been transferred to another servicer. The United Wholesale Mortgage website said it would cancel any automatic payments.
The United Wholesale Mortgage website DID NOT provide any information about who my new loan servicer is. The United Wholesale Mortgage website DID NOT provide any information about how to remit payment to the new servicer.
The United Wholesale Mortgage website still processed my XX/XX/2022 auto-payment, even though United Wholesale Mortgage is no longer the servicer.
|
| 02/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since UWM began servicing my loan, every year I received past due tax notices from the city. This year I received one and went through the normal process of submitting the bill. UWM received this and said they would look into it. Over a month later I received another notice from the city stating if I dont pay the balance ( over $ XXXX ) it will goto a tax sale in XXXX. I pay every month and UWM is supposed to handle paying my taxes through escrow. Now they are not handling it even after making a complaint about it. When I call they tell me I need to submit the form online, but that didnt fix the problem.
Loan servicer is United Wholesale Mortgage.
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| 03/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Had a mortgage with UMM ( United Wholesale Mortgage ).
This loan was paid in fill on XX/XX/XXXX I was due for an Escrow refund of {$3700.00} that I have not received. This is beyond legal time allowed for refund. I have called several times to find out where my refund is. I was told the check was cut XX/XX/XXXX and mailed XX/XX/XXXX.
I called again about a week or so ago and said they should stop payment and reissue a check. I called again today XXXX XX/XX/XXXX XXXX and no check has been reissued as of today.
I asked to speak to a manager and supervisor and both times I was told that I would receive a call back. I have not received any callback.
|
| 09/12/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Loan estimate or other related disclosures
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|
Web |
Servicemember |
|
Yes I learned that my mortgage company united wholesale mortgage company. Put me in a forbearance program in XXXX without my knowledge or consent and signed the documents without my knowledge or consent. I have been making my payments on this loan with them since my last refinance since XXXX. I want to file a criminal complaint because I did not need a forbearance program because I never had trouble making my mortgage payments during the height of XXXX. When I asked the company why i was in forbearance program, she said because of covid. During covid I did not have any trouble making my payments as i have been retired since XXXX from the military.
|
| 07/13/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
We have a VA backed mortgage with United Wholesale Mortgage aka UWM. We are moving and want to offer other XXXX a chance to assume our mortgage at a very favorable rate. However, UWM has been dragging their feet for more than three weeks now and already cost us one buyer. Every time we contact the company, we get a nonsensical answer ( e.g., they want to process this like a succession ) or they keep saying that the mortgage assumption package will be coming ( in XXXX, XXXX, XXXX hours, two more business days, the process normally takes 60 days, etc ). We are losing time and money from this mortgage company and their bogus delays. Please help!!
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| 05/21/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
United wholesale mortgage XXXX Loan # XXXX Property # XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Just refind XXXX XXXX ever since then we have had problems with this company.
I have called many times always getting a new person, and upon completion of our conversation all issues are resolved, then I get letter stating I'm a payment behind, after sending canceled checks that have cleared my account, so I started paying over the phone, last payment I made paid XX/XX/2021 and received a letter from them stated I was late on my payment, my bank statement shows it paid on the XX/XX/2021.
Please I need assistance from you.
XXXX XXXX XXXX XXXX cell
|
| 11/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage failed to give me 45 days notice period to purchase wind insurance. As per federal law, United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance. After 45 days they can apply a Forced Lender Insurance. 45 days never passed before they rushed into applying a Lender Forced Insurance, moreover was immediately applied in violation with the Federal Law. They have purchased insurance and charged my escrow account in violation with the Federal Law that is published on CFPB website.
This wind insurance charge was applied to my Escrow Account for unjust enrichment.
|
| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
My parents are trying to close on a loan for a condo. My parents are elderly and XXXX. The broker who was supposed to do it for us is doing things that don't make any sense for us. My parents are qualified for a loan but the broker kept pushing the date for closing back without giving us any explanation why. We contacted the bank that qualified us for the loan but they can't give us a straight answer as to why this is happening. Since XXXX the broker would give us a closing date only to change the date on us without any explanation. We're in the the process for too long to start over but we need a solution. We need help on what to do next.
|
| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage that was with United Wholesale Mortgage was paid off XX/XX/XXXX. There was roughly {$7200.00} in my escrow account at the time. It is my understanding, the Company has 20 business days to refund any balance in our escrow account. Today, XX/XX/XXXX, I check the account to see if the escrow funds were disbursed. The account history shows the funds were disbursed XX/XX/XXXX. Not counting holidays or weekends, the check has been in the mail for 6 business days. This is too long. So I asked customer service if the check could be reissued and she said no, they must wait 30 days before they can even consider re-issuance of the check.
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
United Wholesale Mortgage ( UHM ) transferred my mortgage to a new servicer. However, they owe me a escrow refund. The problem is that since they transferred my loan, there is no way to reach UWM via the customer service number. Once their phone system asked me to enter my loan number for verification, the system tells me my mortgage has been transferred and to call the new servicer, then the phone hangs up. Calling back and trying to get someone to pick up the phone by pressing zero does not work. There is no way to get in touch with UWM in order to received my escrow refund. The new servicer ca n't help either as the issue is with UWM.
|
| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
United Wholesale Mortgage agreed to a mortgage with me. I put 15 % down. this will incur PMI. the property I am purchasing is a 2-unit house, I will be residing in one of the units. per XXXX XXXX, PMI for a 2-unit can be requested to be terminated when the loan is at 70 % of value of the property. AND no matter what the PMI should be terminated at the mid-point of the loan.
United Wholesale mortgage is claiming that PMI is to stay on for the life of the loan.
during closing NO disclosure for PMI was included ( which is against the law ) and now UMW is refusing to write a PMI disclosure form demonstrating that PMI will be terminated.
|
| 01/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage provider, United Wholesale Mortgage, is withholding way too much from me in my escrow account. I 've called and written complaints to them and they 've ignored me each time and/or given me the runaround. Over the telephone they 've said they will fix the issue and I call back and get the runaround each time. Meanwhile, I 'm forced to pay money into an escrow account that has FAR more money than necessary to pay the required expenses. My next step is to file a class action complaint for RESPA violations -- their customers ' escrow account payments should be an easy math equation and these guys apparently ca n't get it right!
|
| 07/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have been calling UWM : Customer Service : XXXX, United Wholesale Mortgage , LLC.
for more than 6 months, trying to get this money. Many representatives before the last representative were trying to cancel the check, reissue the check but it turned out none of the requests was successful without a valid reason.
I am requesting this amount of money to be sent to me as soon as possible, in a trackable form, as I can not afford to keep calling their customer support, all the time like this.
Same goes to that company, as UWM can not keep processing the request to reissue a check, and the request keeps getting denied for no reason.
|
| 09/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
I am working with United Wholesale Mortgage ( UWM ). For the past month I have been attempting to make a payment to recast my loan. It took several weeks for UWM to mail me wiring details but that was finally received. Ten days ago I wired the funds to perform the recast but have now received no response from UWM on next steps. They are now holding my funds but not performing the recast or sending any additional instructions. Today, we received a letter in the mail from them again explaining how to wire funds to them, which we did ten days ago. I dont know if they are clueless, incompetent, or just are refusing to perform the recast.
|
| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my mortgage with United Wholesale Mortgage on XXXX, XXXX. In XXXX I contacted them and asked them if I should pay for the county property tax. They said yes and they will start paying taxes starting XX/XX/XXXX installment period. I then paid my county property tax. However UWM also deducted {$4400.00} in XXXX from my escrow account.
I have contacted the county and they said they only received my online tax payment. They don't show any double payment. I contacted UWM many times and as of today they still have not refunded my escrow account. Their customer service keeps saying wait 2 weeks and it has been over 3 months.
|
| 03/05/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX UWM vs XXXX XXXX - The Failure Of Capitalism - Oligarchy Unfolds HURTING XXXX XXXX Quite Frankly No Wholesale Lender ( whether wholesale only or retail/wholesale care out the broker. UWM is efficient in processing and closing but very expensive and the value of the efficiency is not there. XXXX is less expensive and not as efficient but probably more of a value to the broker.
The fact that UWM can use its power in the marketplace to hurt fair business practices is the issue that I think regulators should PUNISH UWM for.
And poor brokers have to just sit here and take it.
CFPB - bo something about it.
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of Wholesale mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a XXXX late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and Wholesale Mortgage refuse to correct the mistake.
|
| 06/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.
|
| 07/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX I asked over the phone talking to a person for all withdrawals from our escrow account. The lady said it would be XXXX hrs. Its been 7 days and still havent received anything. When we refinanced in XXXX our closing costs covered {$1200.00} for taxes. Our mortgage company then withdrew the full amount of summer taxes for {$2300.00} from our escrow XX/XX/XXXX. They withdrew {$1000.00} for winter XXXX taxes in XX/XX/XXXX. They owe us a credit of {$1000.00} to our escrow.
Im not going to tolerate this behavior from any financial company, especially when they gave me all the information to notice this mistake on their end.
|
| 02/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My mortgage was sold by United Wholesale to XXXX XXXX in XX/XX/XXXX. Since then both companies have withdrawn {$1500.00} from my account twice ; once on XXXX XXXX and again on XXXX XXXX. I have contacted United Wholesale MULTIPLE times to resolve this problem, they have repeatedly said they have no record of our mortgage and yet continue to withdraw money from our account. As a consumer, I have the right to not be caught in the crossfire of mortgage lending companies buying and selling my mortgage. Now I am being subject to overdraft fees because of four months worth of mortgage being withdrawn in two months. This can not go on.
|
| 05/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I logged into my UWM account to check my escrow balance and was shocked to find that it showed I was 38 days late on my XXXX loan payment and that the XXXX loan payment remained outstanding.
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.
|
| 10/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
|
|
During XX/XX/XXXX-XX/XX/XXXX I applied for a loan assumption which was massively delayed and for which I was ultimately denied after 9 months of waiting. I was told I would have to reapply instead of simply remedying the debt to income ratio issue.
I reapplied on XX/XX/XXXX with the initial request for the assumption loan application packet. Two months later I have still not received it. This is longer than their projected time to receive the loan application. I have also called weekly and been told that I would receive prompt communication from the assumptions department but have not received any communication.
|
| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan is being serviced by United Wholesale Mortgage. I closed on my mortgage with a temporary buydown that cost about $ XXXX paid by the seller of the property. My first mortgage payment was due XX/XX/2023, but UWM will only accept the full payment and not the temporary buydown payment. I have called multiple times and they confirm I am right, but they don't fix the problem. I don't know what else to do. I would like to make my mortgage payment but UWM has essentially pocketed money that doesn't belong to them, that instead should be used to supplement my mortgage payment for the first 2 years. Please help me!
|
| 07/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I started a new loan with XXXX XXXX XXXX XX/XX/XXXX and was told after 6 months of on-time payments and a principle amount of 80 % of the purchase price I could drop pmi. On XX/XX/XXXX I requested that in writing via e-mail. I was sent back via e-mail to get to 80 % send {$28000.00} so I did send the money and e-mailed them on XX/XX/XXXX. They held the funds for 2 weeks then posted them to my account but did not drop my pmi. After 5 phone calls and several e-mails I get another e-mail on XX/XX/XXXX saying to send them {$100.00} for an analysis which might cost more, that the {$100.00} is just a quote to start.
|
| 12/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a Recast with my lender-XXXX. I received confirmation with instructions on XX/XX/2018. I wired {$200000.00} to XXXX along with completed documents on XX/XX/2018. The deadline was XX/XX/2018. My objective was to lower my mortgage payments from {$2100.00} to {$1100.00} to allow me to stay in my home ( husband died of a XXXX XXXX and I am unable to work due to an XXXX of my XXXX XXXX ). I received a letter on dated XX/XX/2018 on approx. XX/XX/2018 stating my loan had been transferred to XXXX XXXX/XXXX XXXX. I am being told I need to restart the Recast process with no guarantee they will comply.
|
| 11/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan was transferred and I was never notified. It is my understanding they 're supposed to notify me 15 days prior to the effective date. It 's effective as of XXXX/XXXX/2016 and I was never notified ( Today is XXXX/XXXX/2016 ). My escrow is also down to XXXX and I 've got my property taxes due as well as my homeowner 's insurance. My homeowners ' insurance is due by XXXX/XXXX/16. My last payment was made on XXXX/XXXX/2016 as well, but I was n't notified it was transferred, so I made the payment as usual. As of today, payment has not come out of the bank either.
Loan is with United Wholesale Mortgage.
|
| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my home on XX/XX/XXXX with a 5 % down conventional loan. I made my first payment on XX/XX/XXXX and have never been late or missed a payment. On XX/XX/XXXX I requested, in writing, removal of PMI. I received a message on XX/XX/XXXX from my loan servicer, United Wholesale Mortgage, that I could pay an estimated fee for an appraisal or BPO and Loan to Value needs to be at 75 %. I replied on XX/XX/XXXX asking for more information as to how they are able to require a 75 % XXXX under the Homeowner Protection Act and clarity on the payment for the appraisal and BPO. I have not received any response.
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I received a letter from United Wholesale Mortgage dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with UWM was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, UWM reported the account as delinquent/late 30 days or more to XXXX and XXXX on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.
|
| 03/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have been charged PMI insurance from the date of our loan origination, this was despite the fact we had an appraisal showing the value of the property is significantly higher than the sales price. We requested the PMI insurance be immediately removed and a refund for the payments made as the there was more than an 80 % LTV on the property as required. The lender is refusing to honor the appraisal they have had in their possession since origination and was used to gain original approval for the loan. We feel the lender has fraudulently charged this fee and is refusing to remove the ongoing charges.
|
| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2018 I received approval from XXXX ( XXXX XXXX XXXX ) for a loan recast. The letter states the new payment will start XX/XX/2018.
As of today, XXXX has still not corrected my account. I am due interest so my balance due is showing incorrectly.
I called and emailed numerous times. I dont get a call back and no one replies to my emails. When i phone customer service, I am told the modification dept only works by email but yet they do not respond.
I would like for this to be resolved and for XXXX to complete the recast that i applied for back in XX/XX/XXXX and they approved on XX/XX/2018.
|
| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My father passed away on XX/XX/12, he was not married and I'm the only surviving child. I have tried to contact the mortgage company several times to find out my options for the mortgage. I provided the death certificate, testamentary, and a copy of my drivers license the documents that were requested. I have spoken to several different representatives who have given me several different answers and still have not added me to the loan with the correct documentation from the courts. I keep getting the run around, the departments have no direct phone numbers or emails, and now this is 4 months later.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
UWM has incorrectly reported to the credit Bureau that I was 30 days late due to their mistake with my auto payment. It was set up originally and they over charged me then stopped debiting my account and every time I would set up the auto pay they would stop it. I notified them on several occasions. They also had the wrong mailing address. I have contacted them on several occasions about these errors but they have done nothing to correct. Now my credit is impacted. I have XXXX mortgages with them and this one does not get processed properly. They need to correct my credit and reverse the charges.
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
I have a mortgage with a monthly payment of {$1400.00} with a united wholesale mortgage. I registered for automatic drafting on XX/XX/2021. But the Company did not draft the payment automatically in XXXX, so then there is a past due and the company reported to the credit company. My credit was deducted XXXX points on XX/XX/2021.
I was not aware that UWM did not charge me automatically, so it became a late payment, so I did a dispute with the company, but they did not help me solve the issue and marked the dispute as complete without investigation.
I would like to request credit restoration.
|
| 08/24/2019 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXX was the Broker on this refinance. United Wholesale Mortgage was the lender. The lender failed to submit corrected documents to be signed and failed to submit the amount that was promised in my escrow account. This caused me to be short XXXX. I was to skip my XXXX and XXXX payments for 2019. I was to receive {$8000.00} from my escrow account. The updated documents would have prevented all of this confusion. The Broker asked for these items but the lender failed to provide them. XXXX XXXX XXXX XXXX XXXX and the FDIC both agree that this situation was caused by the lender.
|
| 09/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I bought a 2nd home to be close to my mom and help her with XXXX treatments, I go there to get away when my sister is there.
I have been trying since XXXX to get the PMI, mortgage insurance off, I don't get responses, now I have sent in everything and no response. I have paid 21 % of the loan, and it says mortgage insurance can get off at 20 % but they are unwilling to take it off and continue to charge me monthly.
I now need help as I am not getting anywhere. Thank you. XXXX XXXX. call if you need more info or email me at XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX Thank you. XXXX XXXX
|
| 10/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Dear Madam/Sir, I am consumer and I was experienced a cheating case during the home mortgage process, the lender name is United Wholesale Mortgage, loan broker is XXXX. Before I sign in the escrow company I was told it 's a no point no fee loan, and the lender will pay the compensation to the loan originator, but the reality is I paid over {$6000.00} to the broker as his compensation. I believe it 's unfair to a consumer, because I am able to find other lenders or broker in my area that can cover my loan cost.
If needed I can represent all loan documents.
best reregards, A consumer
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage loan was transferred to the company to be serviced. I called them countless times to fix the website so I can login to make payments and view my account.
They do not fix it and only allow me to pay over the phone and always ask for my full social security number over the phone.
Ive asked them countless time to send a statement of what my balance is and history of payments. I dont get any billing statements either so Im not sure what the account or loan number is. But may be one of below.
XXXX XXXX This is the website https : //uwm.loanadministration.com/uwm/ # /login
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| 02/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
UWM has finally reviewed my appraisal with the request to remove my mortgage insurance. They sent me an email on XX/XX/XXXX stating they have honored my request to remove the mortgage insurance from my mortgage payments. They have still charged me mortgage insurance in XXXX and they have told me they are also charging me mortgage insurance in XXXX and the removal of the mortgage insurance will start XX/XX/XXXX. I asked their chat support why they are still charging me XXXX months of mortgage insurance and they said that is how they do business. This does not seem fair or legal to me.
|
| 11/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have HAF program that help pay for the next 12 months for my mortgage til XX/XX/2023 and my mortgage company United wholesale had no program getting my first two payments and for the month of XXXX they say they dont have it so I called the HAF program and they said that the mortgage company does have it so I called the mortgage company and I was told that posting is just behind on payment posting thats why my check has no been posted for XXXX that is not right I was nervous so I had to pay for my XXXX payment because my mortgage company is behind in posting payments thats not fair.
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage paid {$3200.00} for my XXXX property tax on XX/XX/XXXX, which including {$100.00} interest and {$5.00} penalty because of late payment. I've sent a secure message to UWM to request a refund, but they just replied " According to our records, their is no refund at this time. '' I've also made a phone call and they said it the title company 's responsibility to advise them to make a payment. United Wholesale Mortgage start servicing my loan on XX/XX/XXXX and the property tax due date is XX/XX/XXXX, so they should have enough time to make the payment on time.
|
| 01/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Have a mortgage with XXXX XXXX XXXX XXXX - XXXX - Loan # XXXX.
We have been given false and misleading promises that if we paid the mortgage on that day I spoke with a gentleman with ID # XXXX on or around XX/XX/XXXX that it would not go to the credit report as a late payment. They have also stated that the call has been recorded.
I called back after finding out that it has been reported to the credit bureaus as a late payment with XXXX # XXXX and she informed me there is nothing they can do to remove the late payment and on the meantime it's damaging me.
XX/XX/XXXX.
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| 05/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a mortgage with United Wholesale Mortgage and they granted a 3-month forbearance due to the coronavirus. I received notification that the forbearance was granted, yet I got a message that they sent a bill ( during the forebearance ). Then they sold the mortgage to XXXX XXXX XXXX. I called United Wholesale Mortgage to ask them to send accurate information and they did not, instead they reported me to XXXX. Then I received notification that XXXX XXXX XXXX had transferred the forbearance, today, I received a letter from XXXX XXXX XXXX saying that I'm two months behind.
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a mortgage loan from UNTD WHL MTG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called UNTD WHL MTG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and UNTD WHL MTG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
|
| 12/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Dear, XXXX XXXX XXXX XXXX i get my XXXX XXXX check on XXXX Wednesday of each month to cover my mortgage payment that was setup Autopay with XXXX to be deduct XXXX of each month for some reason they changed on XXXX and cause NSF on my bank paid {$35.00} and XXXX for {$15.00} total of {$50.00} that shouldnt happened in the first place and I had to call them why they did I can not get an answer I want to know why It changed and are they going to draft my payment on XXXX of each month including XXXX payment and credit the {$15.00} at their end and pay {$35.00} to my bank.
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX ( XXXX ) unilaterally up-adjusted the monthly payment on my fixed-rate loan. Then it rejected my auto-payment because it was in the incorrect amount. Then it charged my extensive fees for being late on my payment.
I don't believe it had the contractual authority to up-adjust the monthly payment on a fixed-rate note. Nor do I believe the late fees are justified.
I was unable to access my account online or reach anyone telephonically. I therefore believe this is all just a loan-servicing scam to route people to incurring additional fees and charges.
|
| 04/26/2017 |
Yes |
|
|
|
Web |
|
|
I was promise by United Wholesale Mortg age ( UWM ), a Lender Credit of {$2300.00} at 4.25 %. The final interest rate remain at 4.25 % but lender did not give the credi t. Said that Broker did not locked the rate and cost change taking away the credit and charge on top {$1100.00} as Origination Charges.
First Estimate XXXX XXXX , 2017 , shows rate unlocked, XXXX XXXX , 2017 Estimate shows rate locke d, but Lender Credit taking away.
Second issued is that I was Double Dip on FHA UFMIP, paid in front and amount also added to/on principal loan.
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The value of my home has risen dramatically in the last 14 months. I sent in a request to have my PMI removed. First, the company provided an unreasonably low valuation of the home inflating my XXXX to 93 %. Secondly, the company is maintaining that I must wait 2 years to get an appraisal to remove PMI. Thirdly, the company only communicates via email which they respond to in one month or more via mail. Fourth, the company will not communicate with me on how the valuation was reached.
All three of these are unacceptable and I believe, possibly, illegal.
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
New re-fi mortgage with United Wholesale Mortgage. First payment of {$1100.00} due XXXX. Scheduled payment through my banks bill pay. Payment was rejected by processor. Reentered the information and scheduled another payment. It too was rejected. Had XXXX draft both payments from my account to become current on the loan. They reported me to the credit bureau as being over 30 days late. You would think they would offer me some type of grace period before reporting me as late considering this is a new loan and there is obviously some issue with bill pay ...
|
| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
i set up an automatic payment with uwm for my new mortgage, i got an email confirmation, the auto pay was successfully approved.
i never got any other notification in this matter.
i left for a 3 weeks vacation, when i came back i went over my account and noticed the mortgage was not deducted, i called uwm and told them that, they charged me the same say and told me not sure what happened in the auto pay but since it is less then 30 days its ok and will not affect my credit and i have nothing to worry about. a few weeks later my credit dropped 70 points.
|
| 08/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Mortgage lender is ignoring request for re-appraisal of house to remove PMI. House values have significantly increased and re-appraisal would most likely cause for the removal of PMI due to the higher appraised value. Made our initial request on XX/XX/XXXX to order a new appraisal. The task to order a new appraisal is approximately 10 minutes ... nothing significant is required other than actually DOING IT!
The mortgage lender is intentionally prolonging / avoiding the request in hopes that house values may drop back down in order to avoid removing PMI.
|
| 11/09/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I got approved from HAF program in XX/XX/2022. They stated they would pay my mortgage for 18 months. Payments have been made monthly and now XXXX and XXXX payments were sent to my mortgage company which is XXXX and the mortgage company hasnt applied it. Every time I call the mortgage company they say they dont know anything but the Haf program shows payments were made. I just want my payments posted. Right now there should be 2 payments of {$1400.00} each applied for XXXX and XXXX. My haf applicarion number is # XXXX. My loan number for XXXX is XXXX.
|
| 11/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am refiling my complaint against United Wholesale Mortgage Company, Case # XXXX as I find their response to be wholly inadequate. Further, I attempted to contact them at the number provided, and it was not working, causing me further concern. They have generically written assurances, without responding specifically to my request that my records be destroyed since I pulled my XXXX mortgage applications. Furthermore, as they claim to be following financial regulations, I would like to have copies of all regulations that they believe apply to my case.
|
| 04/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
UWM canceled my enrollment in autopay without my knowledge or consent. This caused for my mortgage to become delinquent. They called numerous times but failed to leave a message. My credit score has been negatively impacted due to this. I have contacted them to assist but they are unwilling to remove the late payment. The first time this happened, they admitted fault and deleted the late fee. I caught it before it was reported to the bureaus the first time. This second time, I did not catch it in time and it was reported to the credit repositories.
|
| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
United Wholesale Mortgage Company has not paid my homeowners policy, and allowed it to lapse this was after they sent me an email guaranteeing me they would pay the amount owed. I then received a letter from XXXX stating they purchased a policy for me due to nonpayment. I called the customer service number and spoke to XXXX XXXX who again guaranteed me they would send a payment overnight. That was on XX/XX/2022 and the payment has not been made. I have all of the email communications between my insurance broker, and the XXXX customer service team.
|
| 09/11/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My family was approved for the HAF Florida Department of Economic Opportunity Mortgage Assistance on XX/XX/2022. I was informed that the check was mailed to the mortgage company the same day. To date, these finds have not been applied to my mortgage. I am an educator and did not get paid over the summer, so the assistance is much needed for my family to make ends meet, especially since COVID has greatly impacted our income. Please help me ensure that our assistance funds are not being held on someones desk, while were struggling to make ends meet.
|
| 04/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
UWM kept removing my auto payment and fined me with late payment penalties. I wasn't aware of the reason. I kept setting up the auto payment and thought I was OK. Until this week the customer service told me that my auto payment was removed due to loan account name mismatch with my auto payment bank account name. Now I know the reason and have this problem fixed. But I feel that this late fee {$90.00} should be waived because they kept customers in the dark. They should have told me the reason earlier. The loan number is Loan Number : XXXX XXXX
|
| 03/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The property is a condominium. The building has its own flood insurance which it is updated in my mortgage provider 's system every year ( UWM ).
This year they decided to purchase flood insurance for me despite the fact that I already have insurance. I have been calling them every week, sending them proof of insurance and all the documentation that they request, but they keep charging me an extra {$320.00} every month.
I don't know what to do. If I don't pay it could affect my credit, but they are not paying attention to me or my complains.
|
| 10/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
United Wholesale Mortgage is withholding {$9100.00} in escrow annually, but my property taxes and homeowner 's insurance only total {$6400.00}. They will not lower the monthly escrow payment and they will not allow me to pay tax and insurance on my own. XX/XX/2020 they made a random tax payment of XXXX with no explanation. They made the most recent property tax payment over two months late, and only after I asked them to make the payment multiple times. They only respond with form letters that don't answer any of my questions.
|
| 06/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
they will not take my deceased husbands name of my account. i have sent death certificate. i have spoken to them several times and they advised me to send to department SII which i did about four months ago. when i speak to them they say they have a copy of it but i need to speak to SII department. however they phone number they gave me nobody answers it. i have called several time and been advised they do have a copy in the file. but i can not get anyone to change it. we need to please take his name off and off the statement
|
| 01/27/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Had property taxes wrong. The property insurance has been a issue for 5 Months.. Company put lender insurance on the property, I now have XXXX policies. I had to place place a new insurance policy in 2021 because the firm had let original policy lapse. .The lender insurance policy purchased did not cover the property replacement value and non coverage for personal property. I have tried to make contact through the VA, XXXX XXXX XXXXt, the servicer ( XXXX ) more than 10 times and no response. No body home. Help!!!!!!!!!!!
|
| 07/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In XXXX, I noticed my Escrow account was incorrect and my payment went up {$500.00} a month!
I received a delinquent tax bill from the county I live in. My mortgage company paid my neighbors taxes instead of mine. ( Mine is $ XXXX they paid $ XXXX XXXX.
I asked them to pay mine, they paid the incorrect amount yet again paying the amount the neighbors owe. ( They do not have the same mortgage company ). The mortgage company has yet to fix it and readjust our escrow.
We are serviced through United Wholesale Mortgage.
|
| 02/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I've been trying to get the escrow account on my mortgage closed for 6 months. I submitted all the paperwork in XX/XX/2021. They verified receipt of the paperwork. It's been almost 6 months since then and it's still not removed I've called 1-2 times every month with no resolution of the issue. I keep being told it's reviewed and no one can do anything about it. I've been told it will be resolved by a certain date multiple times ; those dates have come and gone. Customer support has been completely useless in helping.
|
| 04/16/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
United Wholesale Mortgage got XXXX XXXX XXXX to sign a note and mortgage to United Wholesale Mortgage 's benefit and they advanced no money. The note and mortgage are payable to United Wholesale Mortgage. XXXX XXXX XXXX and United Wholesale Mortgage have a false relationship of " maker '' and " XXXX '' on the note that never should have been released from " closing '' had the real facts been revealed by disclosures required by the Truth in Lending Act. United Wholesale Mortgage securitized the paper but not the debt.
|
| 06/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021 I closed and funded after selling my home.
After 6 weeks I still did not have my escrow money back.
I E-mailed United wholesale mortgage severs times about this with no response.
I called twice they said that they had 20 days to mail it I agreed and said your received the pay off on XX/XX/XXXX and its XX/XX/XXXX??
They said they would get to it however I still have not seen this check!
I believe the law is they have 20 days to refund my escrow why do they get to keep over XXXX dollars of my $ $
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Escrow charges in the amount of {$370.00} were placed on the bill allegedly for lack of proof of insurance in XXXX of XXXX.
Proof of insurance is scanned into UWM system on XX/XX/XXXX @ XXXX AM.
Then loan was sold on XX/XX/XXXX, with these escrow charges even though proof of insurance once again was scanned into the UWM system on XX/XX/XXXX @ XXXX AM before the sale of the loan.
The current lender notes that UWM must remedy this issue to remove incorrect escrow charges from the loan purchased from UWM.
|
| 07/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying to have PMI removed from my loan since XX/XX/XXXX. I did an extensive remodel on the home. I followed the companies policy for removal by emailing and submitting renovations to no avail. On XX/XX/XXXX I submitted again and this time provided the appraisal I had done that clear states my home XXXX has surpassed the 20 % equity to remove PMI. I have called several times and given a promise that someone would call back. I have not received a call or any communication regarding this matter.
|
| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020 we made a principal payment in the amount of {$310000.00}, which was ALL to go to the principal. Instead, UWM took out the XXXX payment out of that amount, which they were instructed not to do. In addition they did not reamortize the breakdown in terms of how much is applied to principal and interest. I have called every day and been promised every day that they would " suspend '' XXXX 's payment and then I would pay XXXX and they would apply the " suspended XXXX '' payment to the principal.
|
| 11/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recently reviewed my credit report and noticed that my mortgage had been listed as 30 days late on the dates below : XX/XX/2022, XX/XX/2022 and XX/XX/2022 I have experienced great difficulty with communication from the mortgage company as when they call me and I try to answer it is nothing but a dead phone line and I can not speak with them. Calling in to talk to a representative leads to multiple disconnects and trying to set up electronic payments through their website has had it's own difficulties.
|
| 08/09/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a Mortgage Contract with United Wholesale Mortgage, I called them and told that I had lost my job of 7 years and that I would like if I could get a forbearance on my mortgage so I could find a job and not struggle making my payments. They told me that they couldnt help me because it wasnt COVID related. I dont want to miss a payment and get backed up and my credit go bad. Unemployment only pays so much and I wont be able to make my payments just solely on what Ill be receiving on unemployment.
|
| 07/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XX/XX/23 - we received notice that our request to have PMI removed from our loan was not approved.
The mortgage company says they use original loan amount as opposed to current to calculate.
Purchase price {$790000.00} Down payment {$110000.00} Current loan {$670000.00} Appraised value {$850000.00} Loan to value should be 79 % but they are saying XXXX is only 15 % because they are dividing the original purchase price ( not including down payment ) and dividing that by the current loan amount.
|
| 09/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
I am attempting to recast my mortgage, paging down the principal to get below the mortgage insurance threshold. I called the lender and they directed me to an email address. The instructions were to include details about my mortgage and proposed recast amount. I provided the information and have followed about several times over the last 2 weeks but have received no response.
This process is not clear for the customer and makes it difficult if not impossible to achieve the goal of recasting.
|
| 11/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American |
|
I FILED A COMPLAINT, # XXXX ON XX/XX/23 ' AND WANTED TO INCLUDE THE ACTIONS IN THAT COMPLAINT BY UNITED WHOLESALE MORTGAGE CAUSED ME TO INCURE OVER {$3000.00} IN PENALTIES, LATE FEES & A LETTER OF " DEFAULT ON MY CREDIT REPORT " WHICH I DO NOT THINK IS FAIR & UN-FOUNDED!!!! THE DISPUTE THAT THEY CLAIM OF SENDING LATE NOTICES & MY CLAIM I NEVER RECIEVED ANY WILL PROBABLY END UP IN A COURT OF LAW BUT WANT MY COMPLAINT TO BE SEEN & READ BY YOU!!!!!!!!!!
THANK YOU FOR YOUR TIME!!!!!!!!
|
| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXXXXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount.
I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this.
|
| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
i have signed on a CD with the 30 years fixed interest rate of 4.25 % and total closing cost of {$29000.00} on the date ofXX/XX/XXXX.
closing date is on the XX/XX/XXXX at XXXX and i received a call and email regarding to the new disclosure form that i have to sign due to that they cant honor the last disclosure that already been signed and they want to force me to sign the new document that has a interest rate of 5.1 % on the date of closing right before i go to title company.
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have been contacted 6 times by United Wholesale Mortgage company. I have blocked numbers, I have answered and said take me off your list, I am not interested. I have texted opt-out to their text messages, after I never opted-in to receiving their solicitation text messages. I was called at after XXXX one night by United Wholesale Mortgage XXXX I was called all weekend. I believe they are spoofing numbers so the number they are calling from is the same area code as I live.
|
| 06/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have requested our servicer, United Wholesale Mortgage, cancel our PMI. I have called for over 3 months to get them to cancel it. We provided XXXX with the requirements they requested of us in writing, we are under the 80 % LTV and are in good standings with our loan. They denied our request to cancel the PMI in a voicemail message and will not provide a reason for the denial. Since they have charged us for all these months, I believe they are taking our money illegally.
|
| 12/10/2020 |
No |
|
- Trouble during payment process
|
|
Web |
|
|
I have contacted United Wholesale Mortgage over a dozen times ( Since the Spring ) and they keep saying that they are getting ready to send the escrow payments for my property taxes. Last week, the lady said, " They just sent overnighted it to make sure it got there on Monday. '' So I waited another week and I just called today and they still hadn't sent it out, I don't know what else to do and I'm already really late on my payments. Please help!
Sincerely, XXXX XXXX
|
| 09/17/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was in the process of refinancing my house when the loan person told me there was a 30 day late noted from my mortgage company on my credit report. They will not proceed forward with my refinance until the mortgage company writes a letter acknowledging their error. My mortgage was sold to United Wholesale Mortgage immediately after closing, XX/XX/2019.
The letter written to the mortgage company as well as the complete description is included in the attachment below.
|
| 10/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hi There, I recently refinanced and paid off the mortgage from United Wholesale Mortgage ( UWM ), and have requested to get the balance in my impound account through check. According to the conversation with UWM agents, I was supposed to get the check by last week. After waiting for 2 extra two weeks, there is nothing returned. Here is my loan number, hope CFPB could help with this.
Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX
|
| 08/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
Client came forward wishing to make a 100 % cash purchase of a property and submitted her offer as such. Client was then hastily talked into a mortgage in the last few days prior to closing. Client did qualify for a VA loan with better pricing and lower closing costs. However, client was misled and sold a higher interest rate product with higher closing costs outside of the VA system with the prime objective of sales commission and not the clients ultimate interest.
|
| 05/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I bought a house that closed on XX/XX/XXXX and recorded on XXXX XXXX XXXX
On the Closing Disclosure issued before the closing, page XXXX, issued by the Mortgage company, it states the Lender will be responsible to pay {$13000.00} as a Loan Broker compensation, but I'm suspecting they included it on my mortgage without disclosure it. I contacted the company but they are refusing to disclosure if it is included or not. If it is, I need an immediate reimbursement.
|
| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
The UWM ( United Wholesale Mortgage ) company has transferred my loan to another company, and I am unable to make contact through the phone or the website they have provided. The phone system from UWM is automated and directs me to a non-working phone number and the website of the " new '' company.
Essentially, I now have no information about my mortgage, and on their website, it states that my account is closed.
There are no available means to contact UWM.
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
Hello, I am getting charged every month for windstorm or hail ( as other insurance ) of {$59.00}. After the inquiry I had with my insurance, they cover my windstorm or hail under my home insurance. I am attaching the agreement I have from my insurance, please refer to page 8 under windstorm or hail for additional details. I will appreciate if you may review this matter, and waive the other insurance amount under my monthly mortgage payments Loan Number : XXXX
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| 06/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
We entered into a contract with a XXXX XXXX. He was pre-approved and everything was going smoothly until it came time to close, and the closers at UWM on his loan have repeatedly lost information and delayed the closing date by 3 weeks at this point. They keep calling the title company and saying his file has met all the conditions, but they wont issue the clear to close. I think he is being discriminated against and red lined because of his national origin.
|
| 06/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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I was told that my loan interest through The XXXX XXXX was approved for 3.375 % using United Wholesale Mortgage and would close 3 to 4 days after signing. I signed the loan documents on XX/XX/2020. Several days later my loan was frozen and reworked with a higher interest rate of 3.875 %. The loan agent said she would make up the difference by sending me a cashiers check for {$1100.00} to make up the difference.
I believe this was a bait and switch scheme
|
| 08/08/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
I opened a HELOC with UWM in XX/XX/2023. I took a partial draw. I urgently need additonal funds from my available credit and have not been able to get to my money. They state they need to trasnfer the loan but the has not happened. I signed a HELOC notice that states I wouldnot have access to unfunded portion for 60 to ninety days. This period has been exceeded. They have been neglitent and causing me hardship.
I need access to my funds immediately.
|
| 06/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My brother and I refinanced on a lake property about five months ago, we set up auto pay and it was excepted by the mortgage company. There was a month where they declined our auto pay for no specific reason and we missed a mortgage payment. My credit rating took a XXXX point hit because of their mistake. There is nothing they will do about it as explained in a phone call to the company.
In 20 years of paying mortgages, I have never been late once.
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| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have wired about $ XXXX and another about $ XXXX toward the principal, Mortgage lender hold these wired money for more than 10 days to deposit towards the principal. We lost interest and paid interest on the money that they hold for 10 days.
Their practice of holding money which is wired to them are not fair and bank is making unnecessary money from consumer like us. We need you to step in and look at their practice. Please help XXXX XXXX
|
| 02/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have just received a notice from United Wholesale Mortgage, Notice of Servicing Transfer, for XXXX/XXXX/2016, I believe that they need to send me a notice 15 days before the transfer. I received the notice, in the mail 4 days after the Transfer ( XXXX/XXXX/2016 ).
It is strange that the letter is dated XXXX XXXX, 2016, and there is no postmark on the envelope. If this letter was posted on XXXX/XXXX/2016, I would have received it weeks ago.
|
| 06/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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Refinanced property with XXXX XXXX - terms included no escrow. UWM bought the loan. UWM initiated escrow due to the fact they had no proof insurance because they didnt change the mortgagee clause when they purchased the loan. The whole administration of this process was botched. I have reached out to UWM countless times. They continue to remove an additional {$800.00} per month from my account for escrow which were not the terms of the loan.
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 604 A section states I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A. creditor may not treat payment on a credit card account under a open end consumer credit plan as late for any purpose.
|
| 03/09/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We took the forbearance plan with our mortgage company presumably under the CARES act. Now when I have ended the forbearance we have been hit with a lump sum payment amount of {$19000.00}. I was under the impression that with an FHA mortgage, we would be given the option of making a payment plan or having the amount added to our mortgage. I have emailed and called and left messages to United Wholesale Mortgage but have gotten no response.
|
| 07/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
If I pay my mortgage early in the month say on the XXXX of the month, rather than say the XXXX, I should get a little bit extra in capital reduction because for 24 days the principal is lower. It does not happen that way ; I pay interest as if the higher principal existed for the full month. It is only a few dollars per month but it will add up over years. This is especially true if I pay a little extra towards reduction of the principal.
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT UNITED WHSLE MORTGAGE XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
|
| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I fully paid off my mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/2021. UWM sent me an email on XX/XX/2021 acknowledging that my mortgage was paid in full. On XX/XX/2021 UWM erroneously processed another payment and took money out of my bank account despite the fact that my loan was fully paid off. As of XX/XX/2021 ( XXXX days after loan payoff ), they have not returned the money they stole nor my remaining escrow balance.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 07/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was originated with United Wholesale Mortgages on XX/XX/XXXX, I was always on time with payments. On XX/XX/XXXX, my loan was transferred to XXXX XXXX which I made 2 payments and yet to reflect on credit report of the loan. I received a letter stating my escrow account is at a deficit of {$2500.00}. My taxes and insurance amount is still the same and on their escrow records have months where there is a zero escrow deposits.
|
| 12/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a mortgage with United Wholesale Mortgage ( UWM ). My loan number is XXXX. I work for the federal government and have allotment set up to pay {$1100.00} every two weeks. UWM constantly changes the bank routing number and does not tell me. This results in me getting late notices. I have called UWM at least 100 times over the last year and they are incapable of doing their job. Please help me. XXXX XXXX, phone XXXX XXXX XXXX.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX
|
| 03/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have tried 3 times, supplying the documents needed to get my mortgage escrow set-up to pay my HO insurance. This should have been done at account origination. The company is United Wholesale Mortgage. Their documentation and follow-up is not that of a regulated company. I have supplied what they needed electronically with proof that they received, then the next agent tells me they never got the documentation. Just plain sloppy.
|
| 05/22/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for a mortgage do to relocation an after initial credit report authorization i decided to shop around due to loan estimate I received.
I contacted a mortgage broker through United Mortgage Wholesale an they keep pulling my credit multiple times on different days.
Id like to file a complaint against the company for pulling my credit file on multiple days without my approval or authorization to pull multiple times.
|
| 02/25/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
i currently working on loan with purchase that is supposed close Friday XX/XX/2020. all supervisors are refusing to answer any question. Also their for reps are also refusing to transfer to supervisor. I dont know what is going on my loan. Spoke to my broker he stated he reach out to this company multiple times about same issue they refusing also to answer him. The companies name is untied wholesale Mortgage and licence number
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
|
| 12/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
UWM ( United Wholesale Mortgage ) is NOT doing there job. My insurance carrier notified UWM in XXXX 2015 of what my homeowners insurance amount would be, which is approximately {$630.00}. My escrow amount before the insurance payment was {$1000.00}. UWM sent them XXXX checks totally a little over {$1500.00}. UWM does NOT update their information but once a year, so now I have a negative in my escrow. This is TOTALLY unfair!!
|
| 11/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I recently refinanced my mortgage and my new lender ( for the 2nd time ) is United Wholesale Mortgage.
The last time I took out a mortgage with UWM, my online username was XXXX. I went to log in, and it says that I have no profile. Then, I tried to register, and it says my username is not available.
Theh same applied to my spouse, the cosigner. Her username was XXXX. She can not log in nor can she register.
|
| 12/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
United wholesale mortgage is preventing my broker from sending my loan to XXXX XXXX where he can get a better deal for me. He said they threatened to sue him for XXXX XXXXXXXX if he does business with XXXXXXXX XXXX. Now he is telling me that he has to give me a worse deal because UWM is forcing him to. I'm pretty sure I am not the only consumer not getting the best deal because of UWM 's unethical business practices.
|
| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
Origination fee was not disclosed until late in the refinancing process, only underwriting fee included in paperwork. Loan Estimate was sent on XXXX/XXXX/16 with no disclosure of origination fee. Closing disclosure was sent on XXXX/XXXX/16 showing origination fee, only 4 days away from closing date of XXXX/XXXX/16. At this time appraisal was completed and {$460.00} out of pocket non-refundable expenses incurred.
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section states a consumer reporting agency furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end Consumer credit plan as as late for any purpose.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I reviewed my credit report, I discovered that there is an account that was erroneous. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}
|
| 10/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Credit declined by underwriters for supposed eviction XXXX. My daughter was evicted from a trailer park in XXXX. I probably co-signed for her. I don't know if this is what is causing the denial. I have tried to get information about what I owe for my daughter 's eviction and who I owe it to, but have not been successful yet. I moved to Florida in XXXX and never got any notice of legal action at the time.
|
| 11/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX keeps raising my monthly payment on my home. I was told this was a fixed monthly payment loan. And for awhile it was. But first it went up to XXXX XXXX dollars. Now it's up over thirty-six hundred dollars.
I can not afford these escalating payments. I think they are engaged in a predatory practice of raising my monthly payment when it was supposed to be fixed, in order to steal my home.
|
| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My wife and I are trying to recast our loan to reduce monthly payments. The recast amount is {$150000.00}. The lender, United Wholesale Mortgage, will not provide details on recasting our loan and we were told at closing that this process would take 10 days. We closed on the home on XX/XX/XXXX. We would like to wire the {$150000.00} to the lender to recast the loan amount and drop our monthly payments.
|
| 02/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX/XXXX/2015, I closed a house through a short sale transaction. The mortgage company United Wholesale Mortgage accepted {$340000.00} as the net proceeds. They reported on my credit report that the account is closed and less was accepted towards payoff. However, when I look at my account online or when I called to discuss the XXXX that I received, my account still shows open after 5 months.
|
| 09/10/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
UNITED WHOLESALE MTG IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.
|
| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage company increased my monthly payment by {$350.00} per month due to an alleged escrow shortage, but my property taxes were actually decreased and I sent the adjusted tax bill via email to United Wholesale Mortgage on XX/XX/22 showing the reduced amount, but they still paid the full amount, and paid it three days late which resulted in fees and penalties they have passed on to me.
|
| 03/18/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My mortgage company announced that the were upping my payments to a point that my monthly payments would be more than double what the agreed agreed upon payment would be due to some XXXX " projection '' of property value increase, and to offset back taxes. I do not have any taxable balance and my property valuation by the XXXX County Appraisal District will not be available until XXXX.
|
| 07/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage ( UWM ) needs to remove the domain https : //www.myuwmloan.com/ When a borrower google search contact UWM the above link shows up. The link does not take borrower to a page where they can make an inquiry on their account. It is a non-working link. This is misleading to the consumer. I had to look at my billing statement to find a working phone number.
|
| 08/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To whom this my concern, On XX/XX/XXXX I sent a payment to my bank few days later I sent the rest of it it went out of my bank 2 weeks later the money was returned for no reason. So the payment was late. So why was put on my credit report that I paid late. No one call me that there is a issue or what's the problem tried call the bank could not get to them.
Please help me XXXX
|
| 07/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
I was charged 4 days of interest on two loans, simultaneously. I asked XXXX XXXX XXXX XXXX ( the escrow company ) and the person handling my escrow referred me to the loan officer. The loan officer referred me back to the escrow company.
I paid United Wholesale Mortgage interest from XX/XX/2020 to XX/XX/2020.
I paid interest to XXXX XXXX from XX/XX/2020 to XX/XX/2020.
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I SINCERELY APPRECIATE UNITED WHOLESALE MORTGAGE 'S GRACE TO REVISE MY CREDIT REPORT BY DELETING THE LATE PAYMENT. HOWEVER, IT HAS BEEN MORE THAN 30 DAYS AND THE REVISION HASN'T TAKEN PLACE YET. PLEASE ESCALATE THIS MATTER TO BE REVISED WITH THE CREDIT BUREAUS ASAP PLEASE. I ATTACHED THE PREVIOUS RESPONSE FROM UWM JUST IN CASE. PLEASE SEE THE LAST 2 PARAGRAPHS. THANKS,
|
| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, United Wholesale Mortgage and XXXX XXXX. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.
|
| 03/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid off my mortgage with United Wholesale Mortgage in XX/XX/XXXX. United Wholesale Mortgage failed to provide me with the original note and deed of trust. I mailed a Notice of Error to United Wholesale Mortgage in XX/XX/XXXX asking for the original note and deed of trust. United Wholesale Mortgage still has not provided me with the original note and deed of trust.
|
| 05/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Mortgagee has collected extra principal payments and placed them into a " suspense account ''. The amount they have is different then the information they provided in writing and different then the amount I show too. They sent me a sheet showing payments but not the payments to the suspense account. I really dont understand a lot of this and need some help with this.
|
| 10/25/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
We asked for a Forbearance for 3 months due to XXXX and other health issues that have happened in the household, from XXXX thur XX/XX/2023, but we was made to make XXXX XXXX XXXX added to it ... Now we recieved notice that {$3400.00} must be paid by XX/XX/2023 to avoid foreclosure ... before XXXX and other health issues we paid on time w/extra {$100.00} a month
|
| 04/11/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account has been closed for about a year. However, it is still showing on my credit report, which is negatively affecting my credit because it is still reporting information related to the loan and I no longer have this account. The account should no longer be seen on my credit report. The company sold my mortgage to another company without my permission.
|
| 07/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
The company United Wholesale Mortgage is reporting my private information such as account history to 3rd party agencies, such as the Credit Reporting Agencies XXXX, XXXX, and XXXX which who are all defined as private and not a government agency. I did not receive opt out disclosure or was notified that I can opt out of having my private information shared.
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage, {$25.00} bad check fee charge.
Date happend : XX/XX/2021 Double charged for a month causing my bank account to get overdraft fees as well as giving me bad check fee.
Called company, emailed company 4 different occasions got responses avoiding the questions and directing towards calling and emailing within 4 months.
|
| 04/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan is less than 80 % XXXX based on the appraised value my present loan to value based on the last appraisal is 69.3 %. Which is loan amount XXXX appraisal value XXXX. The appraisal value was done less than six months ago but the request to take off the pmi was denied. Even though I meet the specifications and am not suppose to have it.
|
| 04/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was a customer of United Wholesale Mortgage. My home loan number is XXXX. This loan was paid off on XX/XX/2021. I am owed a refund for my XXXX payment in the amount of more than {$2100.00}. UWM keeps telling me the money is coming, but I have not received it. It has now been more than a month. Why are they allowed to hold on to my refund?
|
| 02/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
United Wholesale Mortgage failed to notify me that my mortgage was sold to another company. In my opinion, this violates my rights as a consumer that has an excellent credit rating, because now I am unable to make any mortgage payments. I have no idea on who my new mortgage company is and am unable to continue making my mortgage payments.
|
| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My LO did a loan application over the phone. He grossed my income up since I am an SR and receive retirement and SSA non-taxable income. The underwriter changed the income from the UW and suspended the loan. I asked the LO for the name of the company and Underwriter.
UWM XXXX XXXX, SENIOR UNDERWRITER ( XXXX ) XXXX ext. XXXX XXXX XXXX
|
| 04/24/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
i paid of my mortgage on XXXX XXXX the bank has a check in the amount of {$110000.00} that was sent to me by the insurance co for the damage to my home. I have made numerous calls to get this money sent to me but to no avail. this company has put me through XXXX. my loan # is XXXX please help me get this amount refunded to me thank you
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX it shows that my property taxes were taken out of my escrow account and paid. Payment information was sent to XXXX in a huge batch and XXXXc was to pay. XXXX didn't send the money until XX/XX/XXXX. This has happened several years in a row. Why is it taking so long to send the money? I want my taxes paid in the same year.
|
| 09/12/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American, Servicemember |
|
Talked with XXXX from XXXX XXXX. She set up conf call with XXXX at United XXXX. XXXX was to get back with me on XXXX XXXX XXXX. Did not call back. Escrow problem is not solved. Escrow is short over XXXX dollars.. Initial contact date was the XXXX XXXX XXXX.. United wants to raise payment over XXXX per month, Waiting for reply
|
| 07/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have communicated with UWM numerous times regarding the incorrect balance in my escrow account. The correct amount should be {$3000.00}. My most recent mortgage statement dated XX/XX/2022 reflects an escrow balance of {$2800.00}. The online system as of today, XX/XX/2022 reflects an escrow balance of {$2800.00} as well.
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My forbearance plan was over I called in for my options and they told me I was reported 180 late because I called after the forbearance plan was over. I called the month the plan was over. This makes no sense that they can missed up my credit when I was never late on anything. The servicing XXXX is uwm XXXX XXXX XXXX
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022 I sent in a XXXX dispute letter to XXXX stating that the item United Wholesale Mortgage do not belong to me and I would like for them to verify the information showing that it does belong to me. I received a response from XXXX on XX/XX/2022 stating that item was Updated and remains on my credit report.
|
| 06/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been making numerous principal curtailment payments. The last such payment of {$100000.00} made on XX/XX/30 was not applied and is not showing anywhere in my account. I have submitted proof of payment from my bank, but the lender/servicer has not as much as acknowledged my request to investigate from XXXX.
|
| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
UWM transferred my loan to a new servicer. UWM owes my new servicer a check for {$770.00}. The check should have been processed months ago and they refuse to respond and have not sent a check. My account is showing an incorrect balance due to this issue.
I am unable to correctly pay my loan due to this issue.
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is XXXX XXXX who is submitting this CFPB complaint myself. This company iscurrently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You areattempting to violate this clear understanding. Investigate and update the current status toreflect accurately.
( UNITED WHSLE MORT XXXX )
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is XXXX XXXX who is submitting this CFPB complaint myself. This company is currently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
( UNTD WHL MTG XXXX )
|
| 07/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Requesting that my XXXX late payment be removed as we weren't aware our autopay we had set up didn't go through. Our financial institution had a glitch and it was out of our control and we weren't notified otherwise we would've paid it right away as we have not had a late payment on this mortgage before.
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I refinanced my loan and United Wholesale Mortgage was paid in full on XX/XX/XXXX aka date of closing. I have an excess escrow balance due me of {$3800.00}, 3 weeks have gone by and they still havent mailed my check to me. When I called them they wouldnt tell me when it would be mailed. What can I do?
|
| 10/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
UWM sends us VOE faxes 6-8 a day for an employee who does not work for us. We received to date 76 faxes. We have reached out to UWM many times with no resolve. We may be forced to change our fax number which is unnecessary expenses on our part and a great inconvenience for a problem that is not ours
|
| 03/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
UWM is trying to dictate to it's broker partners who it can partner with, and will fine any broker that does business with UWM & XXXX XXXX. UWM is trying to eliminate competition with XXXX tactics. Their behavior will raise prices for consumers, and cause material harm to americans on a huge scale.
|
| 11/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
got my mortgage with united shore financial services XXXX united wholesale mortgage XXXX, paid approx {$26000.00}.
uwm sold my note to specialized loan servicing co.
XXXX did not roll over the money paid to them. XXXX tells me starting on XX/XX/2015 they got no money from uwm
|
| 05/19/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
United Wholesale Mortgage inaccurately reported a missed/ delinquent mortgage payment for XXXX of 2023 to the credit bureaus severely damaging my credit score. I have documentation that proves the payment was made. Attached is a screen shot from their own website verifying this.
|
| 04/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX United Wholesale Mortgage loan recast from $ XXXX to $ XXXX.
XXXX XXXX {$95.00} Mortgage Insurance premiums ( XXXX ) still being charged. A formal removal request sent XX/XX/22 XXXX {$510.00} paid for reported escrow shortage XXXX statement with XXXX {$95.00} PMI charges
|
| 04/17/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.
|
| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
United Wholesale Mortgage failed to pay my property taxes through my escrow account and now has transferred my service to a new mortgage company in an effort to not pay the late fees. Thus, leaving me having to try to figure out payment with the new mortgage company.
|
| 10/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This correspondence should be included and attached to the ongoing complaint.
Per XXXX letter attached from XXXX XXXX this happened.
United Wholesale Mortgage analized my escrow account, refunded an overage and then increased my monthly payment. Is this correct?
|
| 08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.
|
| 10/03/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American, Servicemember |
|
I made timely monthly payment in XXXX and XX/XX/XXXX as I have from the start, XX/XX/XXXX, yet this company find the need to send me DEFAULT Letter today after I filed complaint last week and as they hold in ( unapplied ) approx XXXX in payment I sent to them.
|
| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have PMI on our loan. We put a large principal payment on it in XX/XX/2020. The PMI should have come off then. We then recast the loan and the PMI still did not come off. We are now in XXXX and UWM is telling me that it can take up to 90 days.
|
| 12/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I'm requesting another 3 months forbearance. I have requested online on the phone and UWM says they will send decision in the mail I have yet to receive any response.
I also messaged them on the online messages and they have yet to respond.
|
| 12/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
United Wholesale Mortgage XXXX number : XXXX is reporting a 30 day late payment in XX/XX/2022. My XX/XX/2022 payment was received on XX/XX/2022 so it is not 30 days late and should be removed right away as it is damaging my credit rating.
|
| 12/10/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
I have tried to contact the company for days and they will not answer. They state that they are open during specific business hours and they when you call, they say they are closed. They have been " closed for a data breach '' for weeks.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
Servicemember |
|
Constant very nasty- rude harassment and disrespect from a company claiming to be United wholesale mortgage. Incendiary remarks. Refuses to take me off their call list. Numbers Ive been called from ; XXXX XXXX XXXX and XXXX XXXX XXXX
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
United Wholesale Mortgage reported my account late in XXXX of XXXX but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.
|
| 08/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan Servicer made an unauthorized withdrawal from my checking account, then returned the money. Now the platform will not allow me to pay by check while online. I called twice and they will not resolve the problem.
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My mortgage increased from XXXX to XXXX. I live on a XXXX pension of XXXX per month and can not afford this increase I can not sell my property because I still have an insurance claim due to hurricane last XXXX
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My account is up to date and is showing a 30-60 day late on my credit report. I need this removed ASAP. I will be wanting to refinance my home in the future and I need my credit report to be in good standing.
|
| 06/29/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I applied for a mortgage in XXXX of 2019. Were not able to close due to multiple factors, one of them Fraud committed on our loan. They have had our escrow deposit since then and do not want to release it.
|
| 04/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
United Wholesale Mortgage refuses to set up an escrow account. I sent all the information requested. Each time I follow up they ask for the same information again even though I provide proof of delivery.
|
| 02/20/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2022 United Wholesale Mortgage transferred my account to XXXX XXXX and marked it as closed. In XX/XX/2022 my credit score went down XXXX points due to this mortgage loan being marked as closed.
|
| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was in process of purchasing a house through United Wholesale Mortgage. The loan was funded however seller didn't sign the documentation and the transaction cancelled. I never took the commitment.
|
| 08/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We refinanced our mortgage in XX/XX/2022, but our credit score was wrong, due to XXXX sending out the wrong data to our lenders. We ended up getting a higher interest rate on our loan because of it.
|
| 09/05/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
My mortgage company failed to pay my homeowners insurance Letter from mortgage company dated XX/XX/23 indicated that my hazard insurance expired and they plan to purchase insurance for the property
|
| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021, I paid off my mortgage with United Wholesale Mortgage. As of today, XX/XX/2021, I still have not received any recorded documents related to my payoff such as discharge of mortgage.
|
| 08/11/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I have applied for a mortgage assumption and given the lender all the information they requested but No One at the company has provided me any updates or advice when I can expect to close.
|
| 10/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Lack of response from broker/lender fluctuating closing fees unclear by lender quoted estimate went from XXXX to XXXX closing disclosure given less than XXXX business days deforme closing.
|
| 01/20/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
United Wholesale Mortgage has charged us PMI on our VA loan over the past year. The amount totals over $ XXXX. They have not corrected the probably despite multiple attempts from us.
|
| 12/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage company, United Wholesale mortgage, failed to pay on tax bill even though I have an escrow account with them and there's enough fund in the escrow to cover the tax bill.
|
| 09/07/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
Im being over chargered XXXX MAKE A PAYMENT SETUP AUTOPAY PRINCIPAL & INTERESTXXXX ESCROW XXXX LOAN DETAILS LOAN NUMBER. MATURITY DATE XXXX/XXXXXXXX INTEREST RATE 6.75 %
|
| 03/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2022 And I've called serval times since to get this corrected and I never hear anything back. This is over a few months and no action has come to fix my issue.
|
| 06/09/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
Loan Number : XXXX I was recently informed by City of XXXX that my home never received a certificate of occupancy. What is your plan to resolve this issue?
|
| 09/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
UWM has posted my payment to someone elses account. I have provided proof of them cashing the check and they not applied it to my account.
|
| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
Lender rejected appraisal report prepared by licensed appraiser contracted and paid for by XXXX XXXX XXXX recommended by the same lender.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
United wholesale Mortgage is mistakenly reporting me late. Please see the attachment and proof of delivered payment.
|
| 01/17/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have message the company numerous times and called, left messages and phone reps only hang up without assisting
|
| 02/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Made payments on XX/XX/2022 and XX/XX/2022 and UWM has not applied these payments to my account.
|
| 04/19/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
United wholesale is reporting incorrect information to my file stating i have not paid a debt.
|
| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Didn't receive any notification from XXXX that I was behind on payment.
|
| 01/29/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Older American, Servicemember |
|
|
| 01/28/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Older American |
|
|
| 01/25/2024 |
Yes |
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
|
| 01/18/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Fees or costs during the application process
|
|
Web |
Older American |
|
|
| 01/10/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Servicemember |
|
|
| 01/10/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Phone |
|
|
|
| 01/06/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
|
| 01/02/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Servicemember |
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 12/05/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
|
| 11/26/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 11/04/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
|
| 10/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
|
- Closing on a mortgage
- Setting up an escrow account for taxes and insurance
|
|
Phone |
|
|
|
| 10/21/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Servicemember |
|
|
| 10/20/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Phone |
|
|
|
| 10/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/09/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Closing on a mortgage
- Setting up an escrow account for taxes and insurance
|
|
Web |
|
|
|
| 10/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Phone |
Older American, Servicemember |
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Phone |
|
|
|
| 09/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
|
|
|
| 08/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
|
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/26/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 03/29/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American, Servicemember |
|
|
| 03/04/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 03/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/19/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 11/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 11/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/12/2022 |
Yes |
|
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web Referral |
|
|
|
| 07/10/2022 |
Yes |
|
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American, Servicemember |
|
|
| 06/16/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 12/30/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 11/09/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 11/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 09/13/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/29/2021 |
No |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 07/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 06/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
|
|
|
Phone |
|
|
|
| 06/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 05/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
Older American, Servicemember |
|
|
| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American |
|
|
| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
|
|
|
Phone |
Older American |
|
|
| 03/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/04/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/18/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/09/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 01/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Servicemember |
|
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 12/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 12/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/16/2020 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 11/11/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
Servicemember |
|
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American, Servicemember |
|
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 07/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/19/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 06/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Servicemember |
|
|
| 03/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 12/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/09/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/03/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
|
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 03/21/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 03/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/30/2019 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
|
| 01/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 08/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 07/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/19/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/21/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/30/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/28/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 12/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 11/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/06/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 06/23/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 11/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Referral |
Older American |
|
|
| 09/25/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 09/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/08/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Referral |
|
|
|
| 07/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 04/29/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 03/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/14/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/06/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/20/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/31/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 07/30/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/17/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/10/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 07/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/05/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/29/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/25/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/13/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 03/25/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/13/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/08/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 01/03/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/27/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 12/05/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 11/23/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 11/06/2012 |
Yes |
|
- Settlement process and costs
|
|
Phone |
|
|
|
| 09/24/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/07/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/29/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/11/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 07/06/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 06/25/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|