Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
This dispute is specifically against United Wholesale Mortgage for the property XXXX XXXX XXXX XXXX, XXXX FL, XXXX My loan autopay is typically drafted on the XXXX of each month, I always ensure that I have enough money in my account for both mortgages that I have. I've attached my bank statements to prove this, but from XX/XX/XXXX through the XXXX, my lowest balance at any point was {$1500.00} ( in account ending in XXXX ). The payment made to settle this " missed payment '' was {$1500.00} ( from account ending in XXXX ). They state that autodraft was attempted on XX/XX/XXXX and that it typically takes a few days to process. My account ( XXXX ) had a balance of {$1500.00} on XX/XX/XXXX, and was funded to {$4500.00} on XX/XX/XXXX to ensure the account had excess for both of my mortgages. 

On XX/XX/XXXX at XXXX I received an email just like every month, stating that my loan payment has been applied to my account on XX/XX/XXXX. It repeats again here that it may take a few days before you see your payment deducted from your bank account. This led me to believe that all is well, as it has been every month prior. 

XX/XX/XXXX I get a withdrawal from my account for mortgage # XXXX, dropping the account balance to {$2800.00}, then a subsequent charge from XXXX for {$2200.00} ( unusual ) dropping my account balance to {$630.00}. On XX/XX/XXXX the account gets funded {$1500.00} bringing the balance to {$2200.00}. If the payment was attempted on the XXXX or before the afternoon of the XXXX, the autopay would have succeeded. They claim a draft was attempted on the XXXX, but no funds were actually withdrawn. 

The first call attempt for this was Wednesday XX/XX/XXXX ( XXXX XXXX ). No answer as it's an unknown number, and no voicemail left. Another call on Tuesday, XX/XX/XXXX. No answer again, as it's an unknown number, and again no voicemail left. After this date, the payment is considered XXXX days late as the " due date '' was XX/XX/XXXX. No voicemails, no email, they claim a letter was sent but it never made it into my possession, nor was it sent via certified mail. 

XX/XX/XXXX I get another call, I answer it because now it's showing that they've called multiple times, they tell me a payment is past due, I immediately rectify the past due payment as this is the first I hear of it. They even waive the late fee as I never miss payments/am late. 

XX/XX/XXXX ( today ) I call to dispute the XXXX day late payment showing on my credit ( I have never had a late payment on anything ever, this dropped my score from XXXX to XXXX ), UWM refused to correct this as a servicing error or cease furnishing the late mark, stating by phone that we cant due to the Fair Credit Reporting Act ( FCRA ), and using FCRA as the reason not to address what is clearly a onetime autopay/communication failure. 

Because of a onetime autopay/communication failure by the servicer, my loan was reported XXXX days late even though I had funded the account and cured the balance immediately once notified.

Company response to consumer: Closed with explanation