Consumer complaint received 2022-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortgage can not justify the amount of XXXX I paid for trial period as a request for loan modification. They have mislead me and didn't applied the total amount of {$11000.00} to my account. 
I have paid {$11000.00} as trial payments for 6 months. My loan was in forbearance and after I received the requested payment trial notice I made {$1800.00} for 4 months and {$2000.00} for 2 months. 
These trial payments were requested by the letters dated XX/XX/XXXX and XX/XX/XXXX. 
I made XXXX XXXX in respect of letter dated XX/XX/XXXX and {$2000.00} in respect of letter dated XX/XX/XXXX. I have contacted United Wholesale Mortgage and asked them to answer simply, like a basic mathematics question : " How much money did you apply to the Interest and how much to the Principal from the {$11000.00} '' For more than a month, they can not justify that they applied this amount entirely correct. In many emails ( please see attached ) they promised will provide answers but they never did. Have they stolen the funds? Have they paid something they shouldn't have paid with these money? AGAIN : How much is interest that you applied from {$11000.00}? How much you applied to the principal from {$11000.00}? BE AWARE : the only period that these payments could be CORRECTLY APPLIED is : XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX. These payments with a total value of {$11000.00} should have been kept in suspense and applied when the Loan Modification entered in effect ( XX/XX/XXXX ). On only XXXX particular months can be applied : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ON XXXX I STARTED MAKING PAYMENTS AGAIN. Any other option is an error or something that you make it look like an error. 
Again : in 4 months, how much was intrest and how much was going to principal from {$11000.00}????????? I have reasons to believe that you have manipulated my account so badly so you can hide the payments I made for the trial period. Stop abusing my account.Stop trying to mislead me in order to defraud me. Answer in writing please. Provide evidences when you are asked, don't just dissappear after more than a month of conversation, please. Why are you constantly abusing me? Refund my money immediately please. I can prove that more than {$6800.00} out of {$11000.00} you have directed somewhere else and you never applied to my account. Stop lying on a Government Website please. I have evidence that you previously lied here, on this website ( Consumer Financial Protection Bureau ). Stop please the abuse, you have inflicted lots of emotional fear and distress. Is terrible feeling to live in fear that you are trying to mislead me for unjust enrichment, every notice from you ends up in errors and lies and deceiving practices. Please stop the abuse : you should never believe that you can abuse because you are under the comfort of an error and omissions insurance. There is a limit for that. You can not use the excuses of errors indefinitely for your persistent abusive practices. Stop please, Stop! You have injured me immensely.

Company response to consumer: Closed with explanation