Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
Good morning and Thank You for addressing my Concern. All that Im goin to explain is what has happened in the past 13 months Myself and my wife and 4 children have lived in our home since XXXX in XXXX I paid my home off. We had a fire damage and wanted to make some upgrades to the home a year later we decided to get a loan using our home as collateral a family friends son works for united wholesale Morg. Company I called him and the process began in XXXX of XXXX we signed the paper work for a {$110000.00} loan the mortgage company said I had to pay XXXX property tax out of loan money I was fine with that it had to be done that was {$7800.00} XXXX wasnt worried because Im tax exempt because Im a XXXX war Veteran so I assumed that would be my last property tax payment I summited all the proper exemption paper work to the mortgage co and some reason the paid around {$5000.00} for a year in advance witch I wasnt required to because XXXX exempt they told me I would get it back witch I never did then they also put {$4800.00} into the escrow account for property tax they told me in a couple months theyll refund me that money my first mortgage payment was due in XXXX in XXXX I made sure my exemption paper work was sent and they received it 8 days after I sent the paper work they took {$2800.00} out of the escrow account and paid the property taxes again and then when I received my payment schedule for my payment all the monthly payments included property taxes when it wasnt supposed to they wouldnt accept my payments for XXXX or XXXX without me paying property taxes also they finally adjusted my payment by XXXX when I called to make the payment for past couple months they still wouldnt take my payment without tax payment also I feel as if they were purposely setting me up for failure. The day before XXXX our family had a tragedy when our cousin suddenly past away after the holidays I contacted the mortgage company in XXXX to try and figure something out they informed us that there goin to start foreclosure on our home I asked about the {$7000.00} that I was supposed to get returned to me for overpaying in property taxs to put it toward my behind payment I got no significant response from that question then on our own we found out we should summit paper work for loan modification and get back on track with our loan payment my wife gave XXXX. All info they asked for to do the modification the lady said everything looks good this was in the first week of XXXX they said someone will get back with us we called to check on statues a week later the person we spoke to said everything looks good jus waiting on someone to call back no one ever did then on XXXX XXXX my neighbor told me my home was being auctioned off on the internet we call the mortgage company and were told we didnt apply for loan modification in enough time its supposed to be 20 days before auction and we did it only 11 days prior Im confused at why we were told to do something to help our situation and basically push any progress further back from resolving this issue so in XXXX we decide to follow XXXX XXXX  XXXX so we can keep our home and get back on track we didnt realize the amount of time it would take and how much paper work in tails for this to happen before we could finish the mortgage company has foreclosed on us and now wanting to evict us from our home of 16 years Im not trying to get out of paying back my loan Ive already paid my home off once doing it again is no problem I feel weve been set up to fail lied to or kept in the dark about the loan Im responsible to pay back plus interest out of a {$110000.00} loan I only received $ XXXX we will be consulting with a lawyer about these matters and other issues I didnt state here I feel we were mislead and lied to over and over and promised reimbursements of money taking outa the loan and never received thank you for your time XXXX and XXXX XXXX

Company response to consumer: Closed with explanation