Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: IL

Complaint narrative:
United Wholesale Mortgage ( hereinafter UWM ) has not only been horrible to work with since the death of my father in XX/XX/year>, but through their processes ( and lack thereof ) they have been obstreperous regarding the process of trying to sell the relevant real property, and their conduct as evolved into unlawful and unethical actions that have caused damages to me and my siblings ( beneficiaries ). So much has happened that there isn't even enough room here to tell all of it but the foundation of the problem is this : Over at least the last XXXX years, UWM has violated RESPA, Regulation X, and Successor-in-Interest regulations ( hereinafter SII ), as well as common law and statutory Duty of Good Faith and the UDAAP. 
Under RESPA and Regulation X, UWM is required to promptly acknowledge receipt of loss mitigation documents as well as communicate with a known SII. UWM has consistently failed to do this for XXXX years now. They do not promptly acknowledge receipt of loss mitigation information but instead will contact me XXXX days later ( if not longer ) and say that the documents which were sent and received on time are expired and I need to send them again. This has been going on for 2 years and we have lost XXXX buyers. Until recently, UWM refused to speak with me as the XXXX or the authorized rep that I appointed because even though they sent a letter confirming I was the XXXX, the Representatives that called would always say that I was not the XXXX. 
The Duty of Good Faith is applicable concerning UWM deliberately delaying processing of several loss mitigation applications, which includes repeatedly asking for updated paperwork without just cause. 
With regard to UDAAP UWM has committed or engaged in : Mortgage servicing abuse predatory delay tactics failure to follow federal SII protocols Pursuant to RESPA, I am requesting a Qualified Written Request and demand the following : An accounting of delays An explanation of repeated document requests An explanation of why all offers on the property were not accepted and why UWM will not properly process the request for short sale. 
I expect a response within the XXXX business days stated in RESPA because failure to do so would be another violation. UWM has violated the law, federal rules and regulations, and may have engaged in fraudulent and deceptive behavior that not only violates federal law but CA Consumer Protection laws. At this point I am prepared to get an attorney to investigate my claims further and pursue any viable actions. The main reason why I have sustained financial and other damages is due to UWMs unlawful and flawed processes regarding the processing of loss mitigation applications and communicating with me as XXXX. UWM has been highly uncooperative and negligent in how it has handled the loan file generally, the processing of loss mitigation documents and it communication with me as XXXX. 

Every time we get a call from a Representative, we have to start over from ground zero and they are inconsistent with being able to locate XXXX information and confirming that I am the XXXX. They ask for documents that have been sent numerous times and this has caused buyers to back out of the short sale process. Dozens of different Reps have called and it's like groundhog day - you have to start over from scratch with " my father died, I'm the XXXX, it should be in the records, we are trying to short-sale the house, we have sent all the paperwork...... '' I WANT XXXX PERSON ASSIGNED TO THIS CASE WHO WILL WORK WITH ME TO GET THIS DONE!! OR SIMPLY FORECLOSE ON THE HOUSE SO I CAN CLOSE THE ESTATE!!

Company response to consumer: Closed with explanation