Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Product : Mortgage Issue : Loan servicing, payments, escrow account Sub-Issue : Loan assumption delay / servicing failure Company Name : United Wholesale Mortgage ( UWM ) Complaint : I am filing a complaint regarding the mishandling and excessive delay of my loan assumption request, which has been in process since XX/XX/XXXX. I submitted all required documentation via certified mail, which was received on XX/XX/XXXX. Despite my full and timely compliance, the loan assumption has still not been completed due to repeated servicing failures by United Wholesale Mortgage ( UWM ). Throughout this process, I was repeatedly asked to submit the same documents multiple times, despite having already provided them. The assigned processor failed to properly upload or manage my file, causing significant delays. Communication was inconsistent, with long gaps between responses, and my file was not properly advanced through underwriting. On XX/XX/XXXX, my file was reassigned to a new processor, who informed me that she did not have access to prior communications and that the previous processor was no longer employed due to performance issues. This confirms that the delays were caused by internal servicing failures. As a result of these delays, I have suffered actual financial harm. I finalized a divorce on XX/XX/XXXX, and under a court-ordered marital settlement agreement, I am required to remove my ex-spouse from the mortgage within a specified timeframe. Because the loan assumption has not been completed due to the lenders delays, I have : - Incurred legal fees from my ex-spouses attorney - Been placed at risk of contempt of court - Been forced to execute a promissory note granting an additional 90 days to complete the assumption or face further legal consequences The lender initially advised that this process would take up to 90 days. It has now been over XXXX months. I believe the lender has failed to comply with federal mortgage servicing obligations under RESPA and Regulation X, including : - Failure to properly process a borrower request - Failure to maintain accurate records - Failure to respond adequately and timely to borrower communications- Failure to ensure continuity in servicing Desired Resolution : I am requesting that United Wholesale Mortgage ( UWM ) : 1. Immediately escalate and prioritize my loan assumption 2. Expedite and complete the loan assumption without further delay 3. Provide a clear written timeline for completion 4. Assign a senior-level representative to handle my case 5. Reimburse or address the legal fees I incurred as a direct result of these delays Additional Information : Key Dates : - XX/XX/XXXX ( Initial request ) - XX/XX/XXXX ( Documents received ) - XX/XX/XXXX ( Reassignment ) Attached is a copy of the letter of formal complaint sent to United Wholesale Mortgage ( UWM ) with documented pattern of negligence.

Company response to consumer: Closed with explanation