Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX Old Loan number : XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX Current Date : XX/XX/year> SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Tracking Number : NEW CERTIFIED MAIL TRACKING NUMBER : United Wholesale Mortgage ( UWM ) Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX SUBJECT : FORMAL NOTICE OF ERROR ( NOE ) AND LOSS MITIGATION APPLICATION MORTGAGE ACCOUNT NUMBER : XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, KS XXXX Dear XXXX Customer XXXX Department XXXX This letter serves as a formal Notice of Error ( NOE ) pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and Regulation X, 12 C.F.R. 1024.35. This letter is also a formal Hardship and Loss Mitigation Application pursuant to 12 C.F.R. 1024.41. 
I demand that you comply with all statutory timelines and requirements immediately. 
SECTION XXXX : NOTICE OF ERROR ( NOE ) I assert that the following error has occurred and continues to affect the servicing of my mortgage loan, specifically regarding the resulting delinquency starting with the payment due in XX/XX/year> : Error Asserted : Failure to Properly Process Prior Payment and Provide Clear/Timely Payment Instructions Following Servicing Transfer, Resulting in a Perpetual State of Delinquency and Potential Unlawful Late Reporting. 
Conflicting/Unclear Instructions & Payment Disruption : Following the transfer of servicing from UWM United Wholesale Mortgage XXXX XXXX received unclear or conflicting information regarding the correct payment address, payment processing methods, and payment deadlines. I have cured the prior month 's payment ( XX/XX/year> ) today, XX/XX/year>. However, the initial error and confusion has placed me in a financial cycle where I am now perpetually XXXX month behind, starting immediately with the upcoming XX/XX/year> payment. 
Pattern of Delinquency Caused by Servicer Error : I assert that the confusion and rejection of my timely attempted payment on or around Date of your original attempted XXXX payment, e.g., XX/XX/year> effectively created a deficit that I can not overcome without assistance. I require immediate correction of the prior error and loss mitigation to prevent continuous XXXX delinquency and negative reporting on the XX/XX/year> payment and future payments. 
XXXX Required to Correct Error : Immediately investigate the failure to process my payment due to unclear servicing transfer procedures. 
XXXX and remove any late fee assessed for the XX/XX/year> payment, as the delay was caused by servicer error. 
Immediately cease and desist any negative credit reporting related to the XX/XX/year> payment and, if already reported, issue a correction to all three major credit bureaus to reflect the account was paid on time or current until the date of the servicing error. 
Provide a clear, written statement detailing the precise, current methods and mailing address for future loan payments. 
SECTION XXXX : HARDSHIP DECLARATION AND LOSS MITIGATION APPLICATION In addition to the Notice of Error, this letter serves as a complete Loss Mitigation Application. I am experiencing a financial hardship due to : Financial disruption caused by United Wholesale Mortgage UWM, which has resulted in an unrecoverable deficit and forced me into a continuous XXXX delinquency cycle. 
I hereby request immediate consideration for all available loss mitigation options, including, but not limited to, a XXXX XXXX or a XXXX XXXX. 
Attached Documents : To ensure this application is considered " complete '' under 12 C.F.R. 1024.41, I have attached the following documents : Accordingly, I am requesting an immediate review for loss mitigation options, including but not limited to : A repayment plan to catch up on missed payments Short-term forbearance Any other available assistance programs This is a formal request for hardship assistance and loss mitigation review. While my application is pending, federal mortgage servicing rules require you to suspend adverse credit reporting and collection activity, including foreclosure proceedings. Please confirm in writing that my account will be placed in review status and that no negative credit reporting will occur while this review is underway. 
SECTION XXXX : STATUTORY DEMANDS I require the following responses as mandated by federal law : Acknowledgement ( 12 C.F.R. 1024.41 ( b ) ( 2 ) ) : You must provide me with a written acknowledgment of the receipt of this Loss Mitigation Application within five ( 5 ) business days of the date you receive this letter.

Notice of Error Acknowledgment ( 12 C.F.R. 1024.35 ( d ) ( 1 ) ) : You must provide me with a written acknowledgment of the receipt of this Notice of Error within five ( 5 ) business days of the date you receive this letter.

No Action Pending Review ( 12 C.F.R. 1024.41 ( g ) ) : You are prohibited from making the first notice or filing required for any judicial or non-judicial foreclosure process until : ( a ) I am notified that I am not eligible for any loss mitigation option ( and any appeal period has expired ) ; ( b ) I reject the offer ; or ( c ) I fail to perform under an agreement. 
I expect full compliance and a substantive written response to both the Notice of XXXX and the Loss Mitigation Application within the respective statutory deadlines. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation