Consumer complaint received 2022-10-14
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
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

Company response to consumer: Closed with explanation