Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
1.I closed on my United Wholesales Mortgage on XX/XX/year> with mortgage broker XXXX XXXX XXXX XXXX. XXXX closing, at the Office of Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX I was told that there is an Escrow XXXX 's holdback of {$1500.00}, place aside for fixing, repairing the painting of the front of the house, as well XXXX a wire in the basement. XXXX. Since XX/XX/year>, I have been harassed by XXXX XXXX XXXX ( I filed a CFPB complaint against ) to do the repairs quickly so XXXX XXXX receives {$1500.00} seller 's holdback money. XXXX. I contacted United Wholesales Mortgage several times and wrote messages to investigate, as United Wholesales Mortgage requested from me to completed the repairs before XX/XX/XXXX, XXXXUnited Wholesales Mortgage notified me that I have to spend my own money to do the repairs and pay someone to do the work. 5. United Wholesales Mortgage did not specify why XXXX XXXX XXXX XXXX will receive {$1500.00} seller 's holdback money. XXXX. I requested investigation and was in a back and forth dispute with United Wholesales MortgageXXXX XXXX XXXX XXXX XXXX XX/XX/year>, I paid XXXX to repair the front of the house and XXXX XXXX XXXX XXXX XXXX XXXX with the wiring in the basement, which cost me {$1200.00} ( painting ) and {$5500.00} loan ( {$350.00} per month ) to repair the requested wiring. XXXX. I sent all invoices/bank receipts to United Wholesales Mortgage and XXXXXXXX XXXX XXXX XXXX XXXXXXXX was scheduled XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received and email from XXXX XXXX XXXX department stating that " We are pleased to confirm that the final inspection indicates all work is complete. A fee of {$200.00} was incurred for this inspection. The remaining balance of {$1300.00} will be returned to you. We have initiated a request to have these funds sent via XXXX and you can anticipate their arrival within XXXX business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent my Notice of Error email to XXXX stating I strongly disagree with XXXX 's charge {$200.00} Hidden Fee for the Final Inspection. I have already paid XXXX Appraisals/my money of {$570.00} and {$170.00} during the mortgage application process, which were never reimbursed to me/paid back during the mortgage process, in addition to XXXX wrongly charging me XXXX XXXX XXXX XXXX XXXX XXXX downpayment XXXX Now XXXX is charging me again fee for XXXX called final inspection ' from the seller 's hold back money of {$1500.00}. This is wrong and is in violation of the Consumer Financial Protection Laws. '' XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX replyed with the following message " We have requested and processed a release of reimbursement to you. We did engage with a XXXX party XXXX and appraisal management company to conduct the required inspection to show that the repairs had been completed and the home meets for the minimum property standards for the financing you received to acquire the home. The services for this XXXX party came with an invoice of {$200.00}. We are attaching the XXXX XXXX XXXX that all parties signed at closing. We would like to direct your attention to paragraph XXXX. This covers that the cost of the required XXXX party inspection will be paid out of the escrow holdback account that was funded by the seller with the structure of the loan. The cost of this inspection is not a hidden fee, but an unknown at the time of closing since we do not control pricing that can be attached to the order that must be placed to a XXXX party appraisal management company and XXXX. This is why the XXXX XXXX XXXX discloses the need for the inspection and that the cost of said inspection is paid for out of the holdback at the cost of the individual ( buyer, seller, etc. ) that funded the holdback at closing. '' XXXX. United Wholesale Mortgage deceived me that I will receive {$1500.00} seller 's holdback as selling me out : " you XXXX need to reach out to Attorney XXXX regarding any funds they XXXX be holding, as we are not involved with anything related to Attorney XXXX and XXXX XXXX. '' XXXX. I have written a letter to Attorney XXXX regarding the release of the Seller 's holdback and have not received any reply up to date. XXXX. XXXX XXXX Mortgage has not sent {$1300.00} promised reimbursement seller 's holdback money with XXXX. XXXX. XXXX XXXX Mortgage is involved in unlawful practices of dealing with my FHA loan as scheduling XXXX APPRAISALS/inspection and charging me XXXX times ( {$570.00}, {$170.00} [ during mortgage application ] and now {$200.00} for final inspection ) for inspections, money which were hiddenly taken from me that should never be taken on the first place without reimbursing me. XXXX. I have saved XXXX XXXX XXXX XXXX XXXX XXXX which has stated the that {$570.00} and {$170.00} FHA XXXX XXXX [ during mortgage application ] must be refunded to me at closing. XXXX. XXXX XXXX XXXX and XXXX never refunded the appraisal fees. XXXX8. All Appraisal fees were taken from me in a fraud, being lied to by XXXX XXXX XXXX and XXXX. XXXX.Now United Wholesales Mortgage deceived me that I will receive the seller 's holdback money of {$1300.00} with XXXX up to XXXX business days.

Company response to consumer: Closed with explanation