Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: LA

Complaint narrative:
# AMENDED AND EXPANDED COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU LahaF Agreement Violations * * Entities Complained Against : * * XXXX. * * United Wholesale Mortgage ( UWM ) * * ( Originator/Initial Servicer ) 2. * * XXXX XXXX XXXX ( XXXX XXXX XXXX ) * * XXXX Prior Servicer, connected to XXXX ) XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * ( Current Servicer ) -- XXXX XXXX XXXX XXXX  * * I. Introduction and Summary of Complaint * * I am filing this amended and expanded complaint to report a chain of severe mortgage servicing errors, accounting failures, and wrongful foreclosure actions by the entities listed above. My case is not an isolated incident of mismanagement but a direct consequence of a well-documented pattern of systemic misconduct by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Errors originating during the servicing period with XXXX were XXXX to XXXX XXXX XXXX XXXX XXXX Bank XXXX which has XXXX relied on this flawed data to wrongfully threaten foreclosure on my ADA-modified home. This complaint details how I have made substantial payments, including significant advance payments, yet I am being treated as a defaulting borrower due to the servicers ' gross negligence, which mirrors the very conduct for which XXXX has been sanctioned by the CFPB and XXXX state attorneys general. 

# # # * * II. Complainant Background : Catastrophically Injured Public Safety XXXX * * I am a former public safety XXXX who was catastrophically injured in the line of duty. I am recognized by the XXXX Department of Justice as permanently and totally XXXX and am a beneficiary of the Public Safety Officers ' Benefits ( PSOB ) Act. My home was purchased and modified to accommodate my severe XXXX and is essential to my daily health, safety, and well-being. The threat of losing this specially adapted home due to servicer errors has caused extreme financial and emotional distress. 

# # # * * XXXX. The Chain of Servicing and Overwhelming Evidence of Payment * * My loan has been managed by a chain of servicers, and the errors began with the initial servicer, XXXX, which is linked to XXXX. XXXX. During their tenure, I made consistent and substantial payments totaling * * {$9000.00} * *. These were not just regular payments ; they included significant advance payments intended to ensure my account remained current. 

The following is a verified history of my payments, which the servicers have failed to properly account for : | Amount | Scheduled Payment Date | Processing/Paid Date | Status | Payee/Servicer | Purpose | | : -- - | : -- - | : -- - | : -- - | : -- - | : -- - | | {$3300.00} | XXXX | XXXX | Processed | XXXX - XXXX | Mortgage Payment XXXX | {$3100.00} | XXXX | XXXX | Processed | XXXX - XXXX | Future Mortgage Payments | | {$480.00} | XXXX | XXXX | Processed | XXXX - XXXX | Future Mortgage Payments | | {$410.00} | XXXX | XXXX | Paid | XXXX XXXX ... | Future Mortgage XXXX | | {$410.00} | XXXX | XXXX | Paid | XXXX XXXX ... | Future Mortgage Payments | XXXX {$410.00} | XXXX | XXXX | Paid | XXXX XXXX ... | Future Mortgage Payments | | * XXXX Total * * | | | | * * {$9000.00} * * | | Despite these documented payments, my loan was transferred to XXXX XXXX XXXX & XXXX Bank with what I can only XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX now pursuing foreclosure based on this erroneous data, claiming a default that never occurred. 

# # # * * IV. My Case is a Direct Result of XXXX. XXXX 's Systemic Misconduct * * This is not a simple clerical error. The failures I have experienced align perfectly with the systemic misconduct for which * * Nationstar/Mr. XXXX was sanctioned in a XX/XX/year> consent order by the CFPB and attorneys general from all XXXX states. * * That landmark enforcement action found that XXXX had, for years, engaged in widespread illegal practices, including : * * * Failing to properly apply borrower payments and mismanaging accounts. * * * * * Botching the servicing transfer process, leading to lost records and incorrect loan information. * * * * * Wrongfully initiating foreclosure proceedings based on their own internal errors. * * * * * Failing to properly oversee third-party vendors and maintain adequate internal controls. * * My experience is a textbook example of this pattern of consumer harm continuing. The misapplication of my over {$9000.00} in payments during the UWM/XXXX  XXXX XXXX and the subsequent " loss '' of this credit during the transfer to XXXX XXXX XXXX is precisely the type of systemic failure identified by the CFPB. XXXX XXXX XXXX XXXX XXXX to correct these inherited errors demonstrates a continuation of this negligent conduct.

# # # * * V. Violations and Resulting Consumer Harm * * The actions of these servicers constitute multiple violations of federal law, including the Real Estate Settlement Procedures Act ( RESPA ), and have caused me significant harm.

1. * * RESPA Violations : * * The servicers have failed to properly credit my payments, failed to maintain and provide an accurate loan history, and failed to conduct a reasonable investigation into my disputes. The servicing transfer process was clearly deficient, resulting in the loss or misapplication of my payment credits.

2. * * Wrongful Foreclosure Action : * * Pursuing foreclosure based on demonstrably false information is an unfair and deceptive act.

3. * * Severe Harm : * * The servicers ' actions have caused me immense emotional distress and financial hardship. The constant threat of losing my ADA-modified homea home that is my sanctuary and a medical necessityis devastating for a person in my condition.

# # # * * VI. Resolution Sought * * To remedy this situation, I demand that the CFPB compel the servicers to take the following actio

ns : 1. * * Immediate Cessation of Foreclosure : * * All foreclosure activities must be halted immediately.

2. * * Full, Life-of-Loan Audit : * * Conduct and provide a complete and independent audit of my loan, starting from its origination with UWM/Nationstar, to trace and account for every payment I have made.

3. * * Correction of All Records : * * Immediately correct my loan records to reflect a current status with proper credit for all payments, including the application of any advance payments to future due dates.

4. * * Financial Restitution : * * Provide financial compensation for the costs I have incurred, late fees improperly assessed, and the severe emotional distress caused by this ordeal. 
XXXX. * * Formal Investigation : * * I request that the CFPB investigate this matter not as an isolated complaint, but as evidence of XXXX. XXXX 's ongoing failure to comply with the terms of the XXXX  consent order and as a case study in how their systemic failures continue to harm consumers through improper servicing transfers.

Company response to consumer: Closed with explanation