Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Mortgage Lending LLC
State: FL

Complaint narrative:
I am filing this complaint regarding persistent, unsolicited mortgage solicitation from United Mortgage Lending LLC ( NMLS # XXXX ), despite my repeated verbal requests to cease all contact and my registration on the National Do Not Call Registry. Because I'm 100 % XXXX with a VA loan, I believe I'm being targeted. 

Background and Timeline : I have never initiated contact with United Mortgage Lending, requested information about interest rate reductions, VA IRRRL programs, refinances, or any services. 
I purchased my current home less than one year ago and have no interest in refinancing at this time. 

For approximately 9 months, the company has sent repeated unsolicited letters ( now increasing in frequency to multiple per month ) and possibly ( only because I get the same offers by phone ) made phone calls from spoofed numbers promoting refinance offers. 

I have verbally instructed multiple representatives to stop all contact on several occasions. 

I am registered on the National Do Not Call Registry ( and Florida 's equivalent ) to prevent unsolicited telemarketing calls, emails, and mailings. I have also opted out of prescreened offers where possible ( e.g., via optoutprescreen.com ). 

Specific Incident on XX/XX/year> : At approximately XXXX XXXX  XXXX, I called the number provided in one of their letters ( XXXX ) to reiterate my request to stop. 

The representative identified as " XXXX '' initially explained the offer as requested. 
I then clearly restated that I do not need or want refinance services, as it would be financially disadvantageous given my recent purchase and current rate. I explained that their persistent contact is unwanted and harassing. 

The representative became argumentative, scoffing at my statement and initially contradicting it by saying refinancing was not " XXXX, '' then admitting my current APR position is favorable and no better rate is likely available. 

When I referenced the ongoing letters, calls, and my prior " stop '' requests as potential violations of federal ( TCPA, Do Not Call ) and state ( Florida Telephone Solicitation Act ) laws, the representative responded condescendingly, stating that my " legal council '' [ sic ] should have advised me to register on the National Do Not Call Registrydespite my informing him that I am already registered. 

The conversation escalated with the representative interrupting, speaking over me, and using a dismissive tone when I requested he not be condescending. This conduct felt unprofessional and harassing. When I tried to call back to complain, I was immediately hung up on. 

This pattern of contactdespite clear opt-outs and verbal cease requestsconstitutes unwanted telemarketing and potential harassment. 

Continued solicitations after such requests may violate : The federal Telephone Consumer Protection Act ( TCPA ) and Do Not Call rules.

Florida 's Telephone Solicitation Act ( Fla. Stat. 501.059 ).

General consumer protection laws against deceptive or unfair practices.

I have documented all incidents, including dates, times, numbers called/shown, and representative names. I am prepared to pursue private legal action or further regulatory complaints if this continues. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation