Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
RE : Complaint Regarding Incomplete Mortgage Servicing Transfer, Missing Loan Modification, Missing Forbearance Records, and Incorrect Delinquency Status I respectfully submit this complaint regarding my mortgage loan that was formerly serviced by UWM and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX After conducting a thorough review of my loan records, I discovered that critical documents and account information do not appear to have been properly transferred from UWM to XXXX XXXX XXXX XXXX. As a result, XXXX XXXX XXXX XXXXnk is currently treating my loan as delinquent despite records demonstrating that I was approved for loan assistance programs and a permanent loan modification before the transfer occurred. Background My mortgage loan was serviced by UWM until XX/XX/year>, when servicing was transferred to XXXX XXXX XXXX XXXX Prior to the transfer, I was approved for XXXX separate forbearance agreements through UWM. In addition, my loan modification was approved, executed, and notarized in XX/XX/year>. I possess documentation from UWM confirming the approval of the loan modification and have attached those records to this complaint. Issues Identified XXXX. Missing Loan Modification Records My loan modification was approved and notarized in XX/XX/year> before the servicing transfer occurred. HoweveXXXX XXXX XXXX XXXX XXXX XXXX records do not appear to reflect the approved modification. I have documentation from UWM acknowledging and confirming the loan modification. Copies of these documents are attached as evidence. XXXX. Missing Forbearance Records I was approved for forbearance on XXXX separate occasions while my loan was serviced by UWM. These forbearance approvals were part of my loan history and should have been transferred to XXXX XXXX XXXX XXXX Despite these approved loss mitigation arrangementsXXXX XXXX XXXX XXXX XXXX is treating my account as delinquent. This raises serious concerns that the forbearance records were not properly transferred or considered. XXXX. Incomplete Payment History The complete payment history from the inception of my loan does not appear to have been transferred to XXXX XXXX XXXX XXXX After contacting UWM directly, I obtained records showing payments and account information that are not fully reflected in XXXX XXXX XXXX XXXX XXXX records. These documents are attached for review. XXXX. Discrepancy in Loan Balance There is a significant difference between the loan balance reflected in UWM 's records and the balance currently reflected by XXXX XXXX XXXX XXXX I request a complete accounting and reconciliation explaining : The balance reported by UWM at the time of transfer The balance currently reported by XXXX XXXX XXXX XXXX Any fees, advances, escrow adjustments, or charges added after transfer How the approved loan modification and forbearance agreements were accounted for Requested Relief I respectfully request that a complete investigation be conducted into the servicing transfer from UWM to XXXX XXXX XXXX XXXX Specifically, I request : A full transfer audit of all loan records. Recognition and implementation of my XX/XX/year> approved and notarized loan modification. Review and application of both approved forbearance agreements. A complete reconciliation of all payments made throughout the life of the loan. Correction of any inaccurate delinquency reporting. Suspension of any foreclosure activity, collection efforts, or adverse actions while this dispute is under investigation. Written confirmation explaining any discrepancies between the records maintained by UWM and XXXX XXXX XXXX XXXX Hardship and Impact This matter has had a severe impact on me and my family. My home is my primary residence, and I live there with my XXXX children. I am extremely concerned that inaccurate loan records and an incomplete servicing transfer could result in the wrongful loss of my home. I have acted in good faith, complied with requests from my loan servicers, participated in approved loss mitigation programs, and obtained a loan modification that was approved and notarized before the transfer occurred. I respectfully ask for immediate review and correction of my account to ensure that all records, payments, forbearance agreements, and loan modification documents are properly recognized. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation