Consumer complaint received 2022-04-05
Company: United Shore Financial Services, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
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

Company response to consumer: Closed with explanation