Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (NC)

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.