Mortgage -- Trouble during payment process -- Complaint #6651166
Complaint Overview
Complaint ID: 6651166
Company: United Shore Financial Services, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Florida
ZIP Code: 33179
Date Received: 2023-03-05T12:00:00-05:00
Date Sent to Company: 2023-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Starting XX/XX/2023 ( " XXXXXXXX XXXX XXXX XXXX XXXX ) United Wholesale Mortgage is trying to overcharge me by performing another deceiving Escrow Analysis. With no justification at all, with help from their so called payment processing team, XXXX XXXX ( whic is under the Cease and Desist Order issued by the Office of The Comptroller of the Currency ), they have increased the Escrow Deposit from {$710.00} to {$760.00}. ( please see attached ). Huge difference!!! {$710.00} is a contractual established amount, obtained through a previous Escrow Analysis that was performed in regards of the loan modification process. Moreover, this amount of {$710.00} can not and should not be increased at all as long as : 1. Cost with Property Mortgage Insurance, Homeowners Insurance and Property Tax didn't vary ( as per our contract ) and 2. because this was already established for a length of 60 months since is a XXXX XXXX backed up loan. Every year, every year, every year, this company has performed an Escrow Analysis and has put lots of EFFORT to overcharge my Escrow Account through a deceiving Escrow Analysis. Every time I have to address these concerns. I get it, they don't like the fact that the shortage can be paid in 60 months and not in 24 ( as they want for a faster cash flow ). But this is a XXXX XXXX XXXX investor 's backed up loan and they have to comply with the Federal Law and XXXX XXXX XXXX requirements and guidelines and STOP abusing me and my account. Stop OVERCHARGING my Escrow Account! Out of the last 4 Escrow Analysis ( for the past years ) you never made a mistake in charging less, you only MADE MISTAKES and tried to charge MORE. Is your computer SET only to CHARGE MORE???? Maybe is time you should adjust that computer system and definitely your DECEIVING PRACTICES.
Frequently Asked Questions
What is Complaint #6651166 about?
Complaint #6651166 was filed against United Shore Financial Services, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-03-05T12:00:00-05:00.
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.