Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Union Home Mortgage Corp
State: CO

Complaint narrative:
I am filing this complaint because Union Home Mortgage Corp. ( XXXX ) has not verified that they are the lawful owner or authorized servicer of my VA-backed mortgage loan ( Loan # XXXX ). They have not responded to my written disputes, requests for information, or communications questioning their authority to enforce the Note and Deed of Trust. Despite this, XXXX continues demanding payments and sending monthly statements and late notices. 

Failure to Identify the Actual Loan Owner or Provide Ownership Documentation I have repeatedly asked XXXX to identify the current owner of Loan # XXXX, provide documentation showing they hold or can enforce the Promissory Note, and confirm their servicing authority. XXXX has not answered these requests, leaving me uncertain whether they are authorized to collect payments. 

Failure to Respond to Written Disputes About Their Standing and Authority I have sent several written notices disputing XXXX  standing, including requests for clarification about creditor identity and inconsistencies in the loan file. XXXX has not provided meaningful responses. 

XXXX Did Not Respond to a Quiet Title Lawsuit Challenging Their Standing XXXX  was formally served in a quiet title action in state court that questioned their authority to enforce the loan. They did not file any response for approximately 35 days. The case was ultimately dismissed on procedural grounds unrelated to XXXX  standing. Their failure to participate raises additional concerns about whether they have the required documentation to enforce or service this loan. 

Continued Billing and Fee Notices Despite Disputed Authority Even though XXXX has not verified their ownership or servicing rights, they continue sending monthly billing statements, late notices, and fee letters. These communications are misleading and create confusion because the underlying questions about their authority remain unanswered. 

Potential Origination Irregularities and Incorrect Lender Identification My closing documents identify XXXX as the original lender. However, information obtained later suggests XXXX may not have been the actual funding lender. If another financial institution provided the funds, then the creditor information disclosed at origination may not be accurate. I am actively investigating this issue through regulatory channels, including the Department of Veterans Affairs.

Possible Inconsistencies in Servicing Records Some of the balances, fee assessments, and ownership indicators in UHMs communications do not appear consistent with each other or with the history of the loan.

Failure to Acknowledge or Respond to My Written Requests for Information I have sent written communications requesting information related to servicing, loan ownership, and error resolution for Loan # XXXX. These included formal requests for information regarding the account. XXXX has not acknowledged or responded to these requests in any meaningful way. The lack of communication fits a larger pattern of nonresponsiveness and makes it difficult to confirm whether XXXX is properly servicing my loan.

Company response to consumer: Closed with explanation