Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
This is a supplement to the CPFB complaint submitted XX/XX/year> # XXXX in order to provide additional specifics of our request : Under RESPA - QWR provisions, we are requesting.... 

SUPPLEMENTAL STATEMENT REQUEST FOR RECORDING-RELATED DOCUMENTS This is a supplemental request for information related to our loan records. In addition to the documents previously requested, I am asking that UWM and XXXX XXXX provide all recording-related documents associated with the Deed of Trust for : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX Property : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Specifically, I XXXX requesting : The Deed of Trust package as submitted for recording, including all pages, attachments, riders, and the legal description. 

The recording cover sheet or transmittal sheet submitted to the XXXX XXXX XXXX. 

Any recording confirmation, stamped receipt, or notice provided to UWM or XXXX XXXX by XXXX XXXX XXXX. 

Any rejected recording attempts, corrected submissions, or follow-up correspondence regarding recording. 

The exact version of the Deed of Trust held in UWMs system before recording and the version held after recording. 

Any internal notes or communications concerning recording of the Deed of Trust. 

This supplemental request is made solely to complete our records and to verify the timeline and handling of the Deed of Trust associated with our refinance. No further action is requested other than production of the documents listed above. 

We are asking the above in addition to the PROMISORY NOTE and all other records as previously state. For the CPFB record, on XX/XX/year>, we submitted the following communication to United Wholesale Mortgage : This is a RESP Qualified Written Request for the following : 1. Full Recording Documentation Submitted by UWM Please provide : A. The Deed of Trust package as it was submitted for recording, including all pages, attachments, riders, legal description pages, exhibit pages, and the cover sheet you transmitted to the County Recorder.

B. The recording confirmation or stamped receipt your office received from the County Recorder.

C. Any rejected submissions, corrected submissions, or resubmitted documents associated with this refinance.

2. Chain of Custody and Transmission Records Please provide : A. A list of all documents received by UWM from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Any settlement agent or notary involved B. The dates each document was received, XXXX XXXX method of transmission ( email, upload, portal, fax ), and XXXX XXXX file names or titles as stored in your system. 

XXXX. All Closing Documents Submitted to or Generated by UWM Please provide : A. All versions of the Closing Disclosure transmitted to UWM by any party.

B. All versions of the Closing Disclosure generated by UWMs own system.

C. Any audit trail or metadata showing when each CD version was uploaded, created, viewed, or modified in your system.

4. Settlement & Escrow-Related Documents Please provide copies of : A. Any settlement statements, ALTA statements, or disbursement sheets received by UWM.

B. Any escrow instructions, tax escrow determinations, or correspondence regarding the inclusion or removal of property taxes from escrow.

5. Notary & Signing Packet Materials Please provide : A. The complete signing packet that UWM transmitted to the notary or settlement agent, including every page and instruction sheet.

B. Any documents the notary or title agent returned to UWM upon completion of signing.

C. Any notes or confirmations regarding signatures, dates, or corrections.

6. All Documents Relating to Deed Recording Please provide : A. The exact copy of the Deed of Trust that UWM stored in its system prior to recording.

B. The post-recording version UWM maintains.

C. Any internal notes regarding recording, document defects, or communication with the title company.

If any item is unavailable Please indicate : Whether the document ever existed, Whether UWM expects the document to exist in a standard loan file, The reason the document is not in your possession, Which party UWM believes should possess the document.

Please acknowledge this request within 5 business days, as required by 12 CFR 1024.36 ( c ), and provide a full response within 30 business days.

Company response to consumer: Closed with explanation