Mortgage -- Trouble during payment process -- Complaint #4792705
Complaint Overview
Complaint ID: 4792705
Company: United Shore Financial Services, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Florida
ZIP Code: 32953
Date Received: 2021-10-08T12:00:00-05:00
Date Sent to Company: 2021-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
During the course of establishing billing notices, I opted to be notified by electronic means. United Wholesale Mortgage, UWM, agreed to provide said notices without paper billing, a decided advantage to them. The company then proceeded to send billing notices based on receipt of the previous monthly payment plus 31 days. Per the record from my account website the following occurred. The XX/XX/XXXX billing was sent by email on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XXXX/XXXX/XXXX now 17 days late. I was charged a late fee. At this point I realized that a payment I had made in XX/XX/XXXX had not been properly credited. I made 2 monthly payments in XX/XX/XXXX but was given credit for one monthly payment and a payment to principal. This was not what I had requested and after conferring with a customer service representative, it was corrected, the late fee rescinded and no adverse credit reporting was made. I received a corrected statement on XXXX/XXXX/XXXX. The next statement for XX/XX/XXXX arrived in my email on XX/XX/XXXX. The XXXX statement arrived on XX/XX/XXXX. I paid as soon as I received this statement although it was not on the first as provided. The XXXX statement arrived on XX/XX/XXXX. I paid this statement on XX/XX/XXXX as I was out of the country and did not have a secure connection. The XXXX electronic statement arrived on XX/XX/XXXX which was a day after the date that caused late charges to accrue. I immediately made payment. I immediately contacted a customer service representative. The representative said that UWM had set up its electronic billing so that it did not generate an electronic monthly statement until receipt for the previous month was made and then 30 days later. Thus, the electronic statement was not sent till after late charges accrued because of the method of electronic billing by this company. The representative told me the late fee would be waived because it was the company error on the billing. When this did not occur I contacted the company again. The representative I spoke to advised that since I had a previous waiver due to the company mistake in XXXX, I was not going to get a waiver and I must pay the late fee. I tried again in writing by email and was ignored. Thus, the company billing scheme appears to generate late payments and increased late fees of {$42.00}. I want the fee waived.
Frequently Asked Questions
What is Complaint #4792705 about?
Complaint #4792705 was filed against United Shore Financial Services, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-10-08T12:00:00-05:00.
How did United Shore Financial Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against United Shore Financial Services, LLC?
Yes, visit the United Shore Financial Services, LLC company profile at readthecomplaint.com/company/united-shore-financial-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.