Consumer complaint received 2020-10-22
Company: United Shore Financial Services, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
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.

Company response to consumer: Closed with explanation