Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
This is my formal rebuttal to United Community Banks response to my original CFPB complaint # XXXX and my continuation filing. The banks explanation does not address the central issues and fails to provide the documents legally required to show how my FHA filewith a locked ratewas withdrawn, altered, or converted into a PATH loan.

1. UCB has not provided the FHA custom disclosures or any FHA withdrawal documentation.

Despite multiple requests, UCB still has not produced : My original FHA custom disclosures The FHA Loan Estimate reflecting my locked 2.35 % rate The signed FHA withdrawal documentation Any written authorization from me agreeing to close the FHA file Any internal compliance explanation for why my locked FHA rate was not honored Without these documents, the banks statement that I chose a different program is unsupported and inaccurate. 
2. I had sufficient funds for FHA and explicitly declined XXXX  XXXX. UCBs high-risk explanation is false. 
The banks response suggests I required PATH due to down-payment or qualification issues. My attached evidence proves otherwise. 
Uploaded evidence includes : Exhibit A My bank statement showing over {$10000.00} available Exhibit B My XX/XX/21 email stating : I have XXXX grand and I wont use the program. Please show me numbers without XXXX  XXXX. 
Exhibit C Money-order purchase documentation Exhibit D UCB email confirming the original locked FHA rate These exhibits demonstrate that : I had documented funds, I specifically requested no GA Dream assistance, And I was fully eligible for FHA without switching programs.

I was fully approved under FHA and steered into PATH under misrepresentation.

UCB has provided no proof that : I voluntarily selected PATH, I was informed PATH would be 3.875 % rather than my locked 2.35 %, I received or sign
ed a new rate-lock form, I signed any program-change disclosure, My FHA file was properly withdrawn.

The PATH disclosures UCB forwarded are unsigned and show no locked rate, making them invalid as evidence of consent. 
Meanwhile, their own internal emails reflect : XXXX XXXX acknowledging the FHA lock, Transfer of my file with reference to FHA terms, And no explanation for removing the locked rate. 
DocuSign did not release completed copies to me.

This is highly irregular.

DocuSign always emails completed, signed borrower copies immediately.

The fact that I received none suggests the file was handled through restricted internal controls, not in the standard consumer process.

This further raises concerns about whether disclosures were : Shown Signed Withheld Or altered internally without borrower visibility UCB still has not explained how the FHA credit was transferred or recalculated within PATH. 
This missing documentation prevents me from verifying accuracy, legality, or compliance. 
DEMAND FOR RESOLUTION Given the lack of FHA documentation, lack of withdrawal forms, lack of written consent, and clear written proof that I had the funds and declined XXXX  XXXX, this situation constitutes : Loan steering Misrepresentation of program guidelines Failure to honor a locked FHA rate Failure to provide mandatory disclosures Improper use of electronic signatures/ missing borrower copies Therefore, I am requesting one of the following resolutions : 1. A rate reduction or loan adjustment reflecting the FHA locked rate ( 2.35 % 2.75 % ) OR 2. A full compliance and legal review with all documentation supporting the file transition. If UCB can not produce the required records or demonstrate that I knowingly agreed to this change, I will continue pursuing this matter beyond the CFPB, including through consumer-protection counsel and civil action if necessary. 
I am prepared to move this case forward if a transparent, documented resolution is not provided. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation