Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/16/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This compny keeps calling asking to verify one one of my employees, but I have no employees or comapanies. After explaining this, they still spam call asking for verification, somehow getting messages through evn once their number was blocked.

  

  Business Response

  Date: 01/16/2025

  Hello,

  We regret to hear about the experience you have received regarding contact from our company. If you are being contacted regarding a verbal verification of employment that means that a borrower with UWM has identified your number as the best contact to reach his employer. We apologize for the experience you have had however we are unable to address this complaint without further information. Can you please provide the contact telephone number you are being contacted at or any other information to assist in identifying what loan you were contacted in regards? Upon receipt of this information we will be happy to assist in ensuring you receive no further contact. 

  Thank you,

  Customer Answer

  Date: 01/16/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  The phone number in question is ************.  I will reiterate, I do not own any company of any size and I employee no people whatsoever.

  Regards,

  ****** *******

• Initial Complaint

  Date:11/05/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company offered a disaster forbearance back in june 2024 allowing me to postpone my july and august payments. They told me I would have options to restructure my loan and add the skipped payments on to the end of the loan. After them giving me the runaround for several months on this, I have started getting letters saying my loan is in default and theyre going to take action if I didnt pay the balance in full by 1 December. They kept telling me to wait longer and wait longer. That this process could take up to 30 days. Its been 3 months at this point and theyre still not pushing any progress on this. *** has put me in a position that I had to take a loan out to repay this balance to avoid getting my house foreclosed on.

  

  Business Response

  Date: 11/12/2024

  Good Evening,
  
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by Mr. ************* We have noted that the Bureau did not include a signed authorization from the borrower allowing *** to share information regarding this loan with the Bureau.  We have responded directly to Mr. ****** addressing concerns and, upon receipt of a signed borrower's authorization form, *** will be happy to provide a copy of our response to the Bureau as well. It should be noted that as this is the second response provided to Mr. ****** regarding the same inquiry, we will not be providing any further responses to duplicate inquiries. 
   
  Sincerely, 
  The Consumer Advocate Team

  Customer Answer

  Date: 11/18/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  
  They have offered ABSOLUTELY NO solution. They've essentially told me, "sucks to be you".
  They tell me theyre going to foreclose on my home if I dont pay them, so I put myself in a very bad financial position to get this cleared up as to not lose my house, and now theyre saying oh tough ****, you paid us so youre fine and dont need any assistance. 
  
  Regards,
  
  ******* ******

• Initial Complaint

  Date:09/27/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company keeps calling me nonstop soliciting a mortgage application. Theyve called 27 times in 24 hours. They do not take no for an answer, they talk over you, they will not put you down as not being interested, and if you hang up the same person will call back immediately. *** never contacted this business for any type of service. I was told they saw I had my credit pulled for a home loan, and that gives them the right to contact me this type of harassment and boiler room calling techniques needs to stop. They use spoofed phone numbers to continually call you and disguise their number.

  

  Business Response

  Date: 10/24/2024

  Good Afternoon,

  
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by Mr. ******** We have responded directly to Mr. ******* addressing concerns via ***** categorically denying the claims of solicitation allegedly performed by ***. As noted in our response to Mr. ******* "UWM is a wholesale lender working with a network of local mortgage brokers to originate mortgage loans throughout the country and does not forward solicitations directly to consumers either via phone or by mail.  Regrettably, third parties not affiliated with *** often attempt to solicit business from consumers while claiming to be our representative, and unfortunately, *** is unable to limit this activity. We have not been provided with any specific information regarding the contact you have received. However, upon receipt of specific details regarding this contact, *** will take steps to issue cease and desist letters to the parties initiating the contact with you. If you have any additional information you can provide regarding this contact, we urge you to send this information to our Consumer Advocate Team at ************************ at your earliest convenience." ************** is able to provide documentation regarding the parties responsible for the contact he is receiving, *** will be more than happy to issue cease and desist letters to these parties as *** does not solicit directly to borrowers. We look forward to receipt of any information Mr. ******* may provide to *************************
   
  Sincerely, 
  The Consumer Advocate Team
  

  
  

• Initial Complaint

  Date:08/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Impossible access to account. ************* does not recognize loan number that has been paid on for 8 months or social security number. No other way to access account or customer service to resolve issue. Website has no contact page or other phone number to resolve issue.

  

  Business Response

  Date: 10/08/2024

  Good Evening,

  
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by Mr. Onsager.  We have noted that the Bureau did not include a signed authorization from the borrower allowing UWM to share information regarding this loan with the Bureau.  We have responded directly to Mr. Onsager addressing concerns and, upon receipt of a signed borrower's authorization form, UWM will be happy to provide a copy of our response to the Bureau as well.
   
  Sincerely, 

  
  The Consumer Advocate Team
  

  
  

• Initial Complaint

  Date:07/24/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They sold my mortgage to a company, " ****************", with a 1-star rating as per BBB only because you had no lower rating. I don't trust this company, "****************" with my mortgage. Can't find one good thing about this company. United Wholesale Mortgage sold my mortgage only after 6 months without any notification and gave me no choice in this sale. I would have stopped this sale to a company as bad as this. This should not be legal. The homeowner should have some say in this matter after all when I refinanced with "Swift Home Loans" I had some say.

  

  Business Response

  Date: 08/20/2024

  Good Afternoon,

  
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by ************.  We have noted that the Bureau did not include a signed authorization from the borrower allowing UWM to share information regarding this loan with the Bureau.  We have responded directly to ************ addressing concerns and, upon receipt of a signed ********'s authorization form, UWM will be happy to provide a copy of our response to the Bureau as well.
   
  Sincerely,  

  
  The Consumer Advocate Team
  

  
  

• Initial Complaint

  Date:07/22/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We applied for a mortgage with our local bank on Saturday, July 21st, 2024. First thing Monday morning I began receiving calls ever ***** minutes from various entities such as "Equity Express" who are subsidiaries of United Wholesale Mortgage. Their calls were unsolicited, as I never submitted any information to them. Instead, they saw the credit inquiry and have been harassing me all morning, trying to "show me my options" even though my local bank has them beat. I have asked them to remove my husband and I from their call list, told them we are not interested in their services, and still am receiving calls that interrupt my work day.

  

  Business Response

  Date: 08/20/2024

  Good Afternoon,
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by ************.  We have noted that the Bureau did not include a signed authorization from the borrower allowing UWM to share information regarding this loan with the Bureau.  We have responded directly to Ms. ******************** concerns and, upon receipt of a signed ********'s authorization form, UWM will be happy to provide a copy of our response to the Bureau as well.
   
  Sincerely, 

  
  The Consumer Advocate Team
  

  
  

• Initial Complaint

  Date:07/17/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was promised that I would be able to recast my mortgage.After speaking with multiple UWM employees, I wired 25K to be applied to my principal and reconfirmed that I would be receiving instructions on how to provide the needed paperwork/notarized to complete my recast.After sending my 25K and following up, I was told and send a letter that the "investors" which are UWM would not let me do a recast.

  

  Business Response

  Date: 08/30/2024

  Good Afternoon,
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by ****************.  We have noted that the Bureau did not include a signed authorization from the borrower allowing UWM to share information regarding this loan with the Bureau.  We have responded directly to **************** addressing concerns and, upon receipt of a signed ********'s authorization form, UWM will be happy to provide a copy of our response to the Bureau as well.
   
  Sincerely, 

  
  The Consumer Advocate Team
  

  
  

• Initial Complaint

  Date:07/05/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Predatory practices against customers in need after a declared disaster. We recently suffered heavy roof and property damage to wind and hail after some really bad storms over memorial day weekend. I cant afford to pay my $4400 deducible. I contacted *** about any options I had for them to help me out. Their system recognized that I was in a declared disaster area and they told me there were options that could help in my situation with payment deferrals. They told me they could set up a payment forbearance plan so I could skip a couple mortgage payments with no penalty while it was sorted. It was CLEARLY stated (they can go back and listen to their recorded phone call) that I would have the option to defer the missed payments to the end of the loan, among other repayment options, and that we would sort that out near the end of the forbearance period. I say ok sounds good lets do that. Sounds like its what I need here. A few weeks later I get a letter in the mail saying they want full payment of both months of the forbearance period when it ends at the beginning of September. After getting the runaround for a couple more weeks and being assigned a "dedicated agent" that was impossible to contact, and would hang up before I could even get my phone out of my pocket to answer her call, I was finally able to speak to someone about my options at the end of the forbearance period and find out why this letter is saying they want it all in September. "No, thats not an option" is what I am told now. You can pay it in full in September, split the missed payments up into a repayment plan over the next 3 months (nearly $2000 extra a month i still cant afford), or refinance the whole mortgage and pay over $100,000 more over the term of my loan. The old bait and switch I guess. I live on set disability income and they just expect me to pull thousands of dollars out of nowhere. Youd think theyd want to help me sort this situation out considering how vested they are in it.

  

  Business Response

  Date: 09/12/2024

  Good Afternoon,

  
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by Mr. ************* We have noted that the Bureau did not include a signed authorization from the borrower allowing *** to share information regarding this loan with the Bureau.  We have responded directly to Mr. ****** addressing concerns and, upon receipt of a signed borrower's authorization form, *** will be happy to provide a copy of our response to the Bureau as well.
   
  Sincerely, 
  The Consumer Advocate Team

• Initial Complaint

  Date:06/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********************* from UWM called and talked me into taking out a HELOC loan with them. He told us our payments would $208 per month. I sat up automatic payments for double the minimum payment, to be automatically drafted on the 1st of every month. They failed to take the June 1st payment from my account and sold the account to another loan servicer on June 2nd. The new mortgage servicer has hit me with late fees (I guess because they did not take the payment when they were supposed to), overdrew my checking account by $500, and sent me a next months bill for 4 times as much as I was told the minimum payment was going to be; nearly a whole mortgage payment. The new servicer has informed me that my minimum payments are actually DOUBLE what ********************* told me they would be.

  

  Business Response

  Date: 08/29/2024

  Good Afternoon,

  
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by ****************.  We have noted that the Bureau did not include a signed authorization from the borrower allowing UWM to share information regarding this loan with the Bureau.  We have responded directly to **************** addressing concerns and, upon receipt of a signed ********'s authorization form, UWM will be happy to provide a copy of our response to the Bureau as well.
   
  Sincerely, 

  
  The Consumer Advocate Team
  

  
  

• Initial Complaint

  Date:06/27/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am in the process of moving into a new home and this company keeps giving me the run around and I am needing a straight answer. I have made multiple calls and spoken to multiple people and receive different information each time and no one lets me speak to a supervisor. They keep passing the blame back and forth between the lending company and the time is running out and I have my home packed up and we&#**;re ready to move out. I&#**;ve been told we can&#**;t have 2 VA loans out at the same time and someone else is saying yes we can. I just need to speak to someone who can give me the right answer before 7/1/2024 when I&#**;m supposed to move out.

  

  Business Response

  Date: 08/16/2024

  Good Evening, 
  I am contacting you on behalf of United Wholesale Mortgage, LLC ("UWM") regarding our response to the concerns expressed by Mr. ****************************** We have noted that the Bureau did not include a signed authorization from the borrower allowing UWM to share information regarding this loan with the Bureau.  We have responded directly to ****** addressing concerns and, upon receipt of a signed ********'s authorization form, UWM will be happy to provide a copy of our response to the Bureau as well.
   
  Sincerely, 
  The Consumer Advocate Team