Consumer complaint received 2023-04-12
Company: UNITED BANKSHARES, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my husband and I attempted to refinance our home with XXXX XXXX XXXX XXXXXXXX bank would not allow us to refinance due to a judgement against my husband for a business that failed. The judgement was with XXXX XXXX bank also. My husband filed bankruptcy hoping to clear the judgement so that we would be able refinance. My Husband filed bankruptcy in XX/XX/XXXX. On XX/XX/XXXXXXXX  the XXXX arm mortgage that we had on our home came to maturity. I called united bank mortgage to see if there was anything I could do to refinance this loan. loan XXXX XXXX XXXX stated that the bank could not refinance during the bankruptcy, XXXX XXXX stated that I would have to wait until the bankruptcy finished to work out the loan. During this time, XXXX XXXX sold out to United Bank. I made continuous payments from my checking account for each monthly payment until XX/XX/XXXX. At this time united bank stopped taking my payments. United bank stated they could not take any more payments because of the maturity date. I attempted to pay the mortgage in cash at the bank and from my checking account and by mail because my husband 's attorney and the XXXX XXXX  paperwork stated we had to continue to pay our mortgage. All of my attempts to pay were rejected. I called united bank again and explained to XXXX XXXX that I was not a part of the bankruptcy, and I should be able to make payments. XXXX XXXX stated that the bank received an order for stay against me. I continued to keep my payments and when the order to stay was lifted for my husband the bank began to take my payments again in XX/XX/XXXX. There was a court hearing on the foreclosure on XXXXXXXX XXXX. I offered to pay the due payments ( {$20000.00} ) with the banks attorney, and he stated that the bank would not accept them. I explained my position the XXXX ( XXXX ). XXXX XXXX gave me a court card and advised me to hire an attorney. My credit has suffered due to United bank not reporting any payments from XXXX  to XXXX. I am unable to get a new mortgage due to them reporting no payments. This mortgage is my biggest debt other than a student loan for my child. My husband is still making payments to the court to pay any mortgage payments that the bank says we owe from XXXX. My husband 's bankruptcy payments should have allowed us to be on time with our payments had I been allowed to continue to pay the mortgage. I feel as though United bank has set me up for failure by not taking my mortgage payments, making me fall behind. Now I owe several XXXX in interest and my credit payment history is killing me from getting a new mortgage. Now I'm looking at being homeless for the first time in my life at XXXX yrs of age. I have attached several bank statements, correspondence the attorneys, my credit payment history to prove I had been paying the mortgage, and other relevant papers. I believe in God, and I know ultimately, he will direct my paths. Thank you for your time and have a blessed day!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation