Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
United Wholesale Mortgage ( UWM ) Loss Mitigation Department XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Appeal and Notice of Dispute Incorrect Loan Terms and Improper Loan Modification Offer Dear Sir or Madam, I am submitting this correspondence as a formal appeal, notice of dispute, and demand for correction regarding the loan modification terms recently offered on my mortgage loan. At closing, my loan carried a contractual base interest rate of 5.625 %, with a temporary buydown to 4.625 % for the first year. These terms were material to the transaction and were relied upon in my decision to proceed. I executed all required documentation, including the buydown agreement, in good faith reliance on these representations. The temporary buydown was never implemented. As a direct result of this failure, I have lost the benefit of the 4.625 % rate. While I am no longer requesting enforcement of the temporary buydown, the base contractual rate of 5.625 % remains binding and enforceable. Further, I was explicitly instructed by representatives associated with this loan not to make mortgage payments while the issue was being addressed. I relied on these instructions to my detriment. Any attempt to classify my account as delinquent, or to use such status as a basis for imposing less favorable terms, constitutes unfair servicing practices and detrimental reliance. The loan modification currently offered at 6.75 % is rejected in full. This offer does not cure the underlying breach and instead attempts to impose materially worse terms, effectively shifting the consequences of your error onto me. This is unacceptable. Your failure to implement the agreed-upon terms, combined with the subsequent handling of my account, raises serious concerns including, but not limited to : Breach of contract Negligent misrepresentation Promissory estoppel ( detrimental reliance ) Potential violations of federal consumer protection laws, including Real Estate Settlement Procedures Act ( RESPA ) and servicing obligations thereunder Accordingly, I hereby demand the following : 1. Immediate correction of my loan to reflect the contractual base interest rate of 5.625 %. 2. Removal of any delinquency status, fees, penalties, or negative credit reporting resulting from my reliance on your instruction to suspend payments. 3. A complete audit and written accounting of my loan file, including all closing documents, the executed buydown agreement, and servicing notes. 4. A written explanation detailing how this error occurred and the corrective measures taken. Please treat this matter as a Qualified Written Request and Notice of Error under Real Estate Settlement Procedures Act, triggering all applicable acknowledgment and response timelines. Be advised that failure to resolve this matter promptly will result in escalation, including but not limited to formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Department of Insurance and Financial Institutions, as well as pursuit of all available legal remedies. I expect written acknowledgment of this dispute within the timeframe required by law, and a substantive response within 10 business days. Sincerely, [ Your Full Name ] [ Loan Number ] Why this version is stronger It formally invokes RESPA forces them into compliance timelines Uses legal doctrines ( estoppel, misrepresentation ) signals you understand your rights Clearly states rejection of 6.75 % Frames their actions as servicing violations, not just a mistake If you want next-level pressure, I can : Draft the CFPB complaint ( this often gets lenders to reverse course fast ) Or help you attach supporting exhibits ( buydown agreement, emails, etc. ) so this hits even harder This version is the kind that usually gets escalated internally very quickly.

Company response to consumer: Closed with explanation