Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Buying and Financing My House I purchased my house in XX/XX/XXXX, fulfilling a long-held dream of owning my own home. At the time, I was unfamiliar with the intricacies of the loan process, so I entrusted my agent, XXXX XXXX ( XXXX # XXXX ), to guide me through every step. I distinctly remember signing the disclosure letter, which was prepared based on the documents I provided to my agent. These documents included my bank statements, my offer letter from the university, and my tax returns for the years XXXX, XXXX, and XXXX. 
My lender, United Wholesale Mortgage ( UWM ), approved my loan application after a standard review of the documentation, and the financing process was successfully completed. XXXX managed all aspects of the loan application, ensuring a smooth transaction. With her assistance, I was able to close on the property and move into my new home. 
Since purchasing the house, I have consistently paid all my mortgage installments in full and on time without fail. To date, I have made approximately {$170000.00} in mortgage interest payments over a span of 23 months, which reflects my commitment to meeting all financial obligations associated with the loan. 
However, a concerning development arose recently. A client named XXXX XXXX XXXX XXXX XXXX XXXX ), represented by attorney XXXX XXXX XXXX ( phone : XXXX ), filed a formal complaint against my agent, XXXX XXXX, in connection with the same transaction. This complaint prompted UWM to conduct a more detailed review of the loan documents. 
During this review, the lender sent me materials that I had never seen before. These documents, were unfamiliar to me and did not originate from the materials I provided to my agent. I was neither involved in their submission nor aware of their existence until they were sent to me during the review process. 
This unexpected turn of events has raised several questions about how the loan was processed and whether all aspects of the case were handled appropriately by my agent. I have always acted transparently and provided accurate documentation throughout the process. The discovery of these unfamiliar materials has left me deeply concerned about how they were introduced into my file. 
As a homeowner who has diligently fulfilled my financial responsibilities, I am now seeking clarification on this matter. It is critical to understand the origins of these documents and ensure that the integrity of the transaction remains intact. 

There has been some communication with the lender ; however, their responses have been limited and unhelpful. Despite my repeated efforts to request documents and clarification, they have consistently advised me to have my lawyer handle the matter. 
As a result, I am filing a formal complaint against XXXX XXXX ( XXXX # XXXX ) for the following reasons : XXXX. Fraudulent Activity : Creating fabricated documents and submitting them to the lender without my knowledge or consent, which constitutes a potential fraud case. 
XXXX. Misappropriation of Funds : Charging the seller, taking seller credits, and failing to provide me with any payment or compensation. 
XXXX. Financial Losses : The seller has decided to foreclose on my house, even though I have already paid approximately {$170000.00} in mortgage interest to the lender, {$24000.00} in property taxes, and additional amounts for insurance. I am including these financial losses in my complaint. 
I am seeking resolutions for these serious allegations and kindly request your assistance in addressing this matter promptly and appropriately. 

Thank you, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation