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

Complaint narrative:
Subject : Escrow Mismanagement, Improper Escrow Shortage, Unapplied Tax Refund, Mortgage Overcharge, Financial and Medical Harm Dear Consumer Financial Protection Bureau, I am filing a formal complaint against United Wholesale Mortgage ( UWM ) and their tax payment service provider CoreLogic for serious escrow mismanagement, charging me an incorrect mortgage payment based on an invalid escrow shortage, failing to apply a County tax refund that they received and cashed months ago, providing false and contradictory information, and causing significant financial, emotional, and medical harm. 

Below is a complete and fact-based timeline supported by documentation. 


-- - XXXX. Chronology of Events XX/XX/XXXX Incorrect Tax Payment CoreLogic made XXXX property tax payments to the XXXX XXXX XXXX XXXX : {$8400.00} ( correct ) {$5300.00} ( incorrect overpayment due to XXXX XXXX assessment error ) The County later confirmed the overpayment was their mistake. 


-- - XX/XX/XXXX Mortgage Payment Increased Due to Invalid Shortage UWM sent me an Escrow Analysis showing a supposed escrow shortage of {$6700.00}. 
As a result, my monthly mortgage payment was increased from {$4400.00} to {$4700.00}, beginning XX/XX/XXXX. 

Because the increased payment was unaffordable, I was forced to enroll in a XXXX shortage repayment plan. 

This shortage was calculated using the {$5300.00} erroneous tax payment, which should not have been charged to my account. 

I immediately began calling UWM to report the error. 


-- - XXXX XXXX  XXXX County Issues Refund XXXX XXXX XXXX XXXX XXXX issued a refund of {$5300.00} to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I received the official refund documentation and a copy of the check. 


-- - XX/XX/XXXX Refund Check Cashed The County confirmed that the refund check was cashed by XXXX  on XX/XX/XXXX. 

This means XXXX has been in possession of the refund since XX/XX/XXXX. 

Despite this, UWM continues to claim they are waiting for the refund. 


-- - XXXX. Repeated Negligence and False Information Since XX/XX/XXXX, I have called UWM weekly or biweekly, and each time : I speak to a different representative No one reviews or escalates the issue My case is never investigated I receive contradictory and false explanations such as : The County refuses to provide the check copy The refund was mailed to the wrong address We are still waiting for the refund All of these statements are false. 
The County already issued and XXXX already cashed the refund. 

UWM has failed to correct my escrow or contact CoreLogic. 


-- - XXXX. Financial Harm Because UWM never applied the refund : My mortgage payment has been incorrectly increased to {$4700.00} I am paying {$280.00} more per month due to an invalid shortage I have already overpaid more than {$3100.00}, and the overcharges continue I have been forced to rely on credit cards to cover essential expenses My overall debt has increased due to the inflated mortgage payment I am financially strained by a problem that is not my fault -- - XXXX. Emotional, Medical, and Personal Harm This situation has caused severe emotional and physical effects : I developed significant XXXXXXXX XXXX XXXX XXXX I was unable to attend jury duty, and my doctor issued an official letter excusing me due to XXXX  caused by this mortgage issue I have suffered XXXX, XXXX, and constant worry I am now under the care of a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to gather documents This situation has severely affected my health, stability, and well-being This is a documented medical hardship directly caused by UWM/XXXX  negligence XXXX 


-- - XXXX. What I Am Requesting I am respectfully requesting that the CFPB require UWM and XXXX to : XXXX. Apply the {$5300.00} refund that was issued and cashed in XX/XX/XXXX XXXX. Recalculate my escrow properly XXXX. Lower my mortgage payment to the correct amount XXXX. Refund all overpayments I have made since XX/XX/XXXX XXXX. Remove the invalid escrow shortage XXXX. Provide a written explanation and resolution XXXX. Investigate the false information provided to me XXXX. Hold UWMXXXX accountable for the prolonged delay and resulting harm This issue has created severe financial, emotional, and medical distress, and I urgently need your assistance. 

Thank you. 

XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX

Company response to consumer: Closed with explanation