Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
CFPB FOLLOW-UP COMPLAINT Re : Complaint No. XXXX Complainant : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Dear Consumer Financial Protection Bureau XXXX This is a follow-up to my previous complaint regarding serious issues surrounding the mortgage I obtained through United Wholesale Mortgage ( UWM ) and the misconduct of my real estate agent XXXX XXXX ( XXXX XXXX XXXX ). 
I appreciate UWMs response dated XX/XX/year>, but it does not resolve the hardship I now face due to the combined failure of my agent and the lenders review process. I request CFPB 's urgent intervention based on the following : 1. I Require at Least XXXX  Months to Refinance ( Extension to XX/XX/year> ) I have been given a deadline of XX/XX/year> to refinance my home. However, I am currently under a XXXX contract and must convert to a W-2 status, which will take approximately XXXX months. Following that, XXXX need another XXXX months for the refinancing process. Therefore, I respectfully request the lender be directed to extend the deadline to at least XX/XX/year>. 
XXXX. Lender Failed to Detect problem for Over XXXX Years and half UWM now alleges there was misrepresentation in my loan documentsdocuments that I never reviewed nor authorized, and which appear to have been submitted by my agent. I provided authentic information ( employment offer letter, bank statements, tax returns ), yet the lender approved the loan and accepted nearly {$190000.00} in interest payments over XXXX years. Why did their underwriting fail to detect the issue until now? This delay has created financial stress and jeopardized my home.

3. I Need Support, Not Legal Pressure UWM has escalated the case to legal counsel and is now pressuring me to refine without offering any assistance. I can not afford a lawyer, and believe this escalation is unreasonable, particularly when Ive made 100 % of payments on time. If UWM insists on refinancing, they should : Offer to refinance internally under reasonable terms Assist with the process ( including document preparation or reduced fees ) Not penalize me for actions that were not mine XXXX. Please Protect Me from Foreclosure or any Action I am asking CFPB to help ensure that I am not forced into an impossible situation after having been a responsible borrower. This issue arose due to fraud by my agent and delayed detection by the lender, not any fault of mine. I respectfully ask that : The lender grants me an extension to refinance by XX/XX/year> UWM explore refinancing directly with me, not force me to seek another lender No legal or foreclosure action be taken while I work toward a solution ________________________________________ I trust CFPB will hold all parties accountable and help prevent further damage to homeowners like me who have fulfilled all obligations in good faith. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Attachments : Original complaint document Lender response ( XX/XX/year> ) Enclosures from UWM

Company response to consumer: Closed with explanation