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Case uwm-2026 — active
A mortgage escrow advance in August 2024 doubled the required payment. Every attempt to cure it since has been returned, reclassified, or reversed, and the resulting credit reporting contradicts itself on its face.
The controlling fact is not the hardship. It is this: the same tradeline reports the account as paying as agreed with $0 past due, and as 150 days delinquent. Experian reports 150 days for June 2025. Equifax and TransUnion report 120 for the same month. Three bureaus, one furnisher, three different answers.
Every dated entry below carries the label of what kind of record it came from. Where that label requires a document, the document is named.
17 entries. Every entry carries an evidence label saying where it came from. Entries are appended, never edited; a correction is a new dated entry that names the one it supersedes.
The monthly payment is $1,978.94. The escrow balance is $0.00 and the amount overdue is $0.00. This is the last statement before the escrow advance.
Source: UWM mortgage statement 08/07/24
Exhibit: Exhibit A — United Wholesale Mortgage — Aug 7, 2024Not yet published
County tax of $8,510.30 and city/utility of $1,131.33 are advanced from escrow, taking the escrow balance from $0.00 to −$9,641.63 in a single day.
Source: UWM escrow disbursement record 08/08/24
Exhibit: Exhibit B — United Wholesale Mortgage — Aug 8, 2024Not yet published
The required monthly payment becomes $3,964.39, of which $1,985.45 is escrow. The payment has slightly more than doubled to recover the advance.
Source: UWM escrow analysis and payment change notice 10/01/24
Exhibit: Exhibit C — United Wholesale Mortgage — Oct 1, 2024Not yet published
From December 2024 through March 2025, $1,978.94 is tendered each month. Each payment is returned days later. Money leaves the account, comes back, and the month reports late.
Source: Bank of America account records, 12/2024–03/2025
Exhibit: Exhibit D — Bank of AmericaNot yet published
On a call with UWM Payment Services, advised recorded, the borrower is instructed to send exact full periodic payments and told that exact payments apply to the oldest outstanding installments. The date of this call has not yet been recovered from phone records, so it is carried at year precision rather than assigned a day it may not have happened on. Preservation of the recording was demanded in the 2026-08-27 filing.
Source: Borrower account. Recording held by UWM; preservation demanded 08/27/26.
$7,928.78 is received. That is exactly 2 × $3,964.39, the full required periodic payment twice over.
Source: UWM transaction record 05/15/25
Exhibit: Exhibit E — United Wholesale Mortgage — May 15, 2025Not yet published
The $7,928.78 is coded *PARTIAL/UNAPPLIED PAYMT, an equal and opposite adjustment is entered, the funds are allocated to escrow, and a refund check is issued. Two full periodic payments were classified as a partial payment.
Source: UWM statement 05/19/25
Exhibit: Exhibit F — United Wholesale Mortgage — May 19, 2025Not yet published
A delinquency notice issues on the same date, stating the account is 138 days delinquent with a delinquency date of 01/01/25.
Source: UWM delinquency notice 05/19/25
Exhibit: Exhibit G — United Wholesale Mortgage — May 19, 2025Not yet published
Four separate payments of $3,964.39 each are posted to the account.
Source: UWM payment history, posted 06/09/25
Exhibit: Exhibit L — United Wholesale Mortgage — Jun 9, 2025Not yet published
A $50,000 Schwab MoneyLink deposit is made to keep the account from progressing toward foreclosure.
Source: Charles Schwab MoneyLink transfer record 06/11/25
Exhibit: Exhibit H — Charles Schwab — Jun 11, 2025Not yet published
UWM restates January through April 2025 as fully paid on 06/09 and moves the delinquency date from 01/01/25 to 05/01/25. The institution's own record now says those months were not delinquent.
Source: UWM statement 06/17/25
Exhibit: Exhibit M — United Wholesale Mortgage — Jun 17, 2025Not yet published
The refund check issued on 05/19 is deposited.
Source: Bank of America deposit record 06/24/25
Exhibit: Exhibit I — Bank of America — Jun 24, 2025Not yet published
The statement shows past-due principal of $0.00.
Source: UWM statement 06/25/25
Exhibit: Exhibit N — United Wholesale Mortgage — Jun 25, 2025Not yet published
Bank of America issues a Returned Item Notice: the refund check UWM issued is returned unpaid, reason STOP PAYMENT.
Source: Bank of America Returned Item Notice 06/26/25
Exhibit: Exhibit J — Bank of America — Jun 26, 2025Not yet published
The day after the stop payment, $7,928.78 is withdrawn electronically by UWM.
Source: Bank of America account record 06/27/25
Exhibit: Exhibit K — Bank of America — Jun 27, 2025Not yet published
Experian reports 30/60/90/90/120/150 day delinquencies across 2025 and, on the same tradeline, that the account is paying as agreed with $0 past due. Equifax and TransUnion report 120 days for June 2025 where Experian reports 150. Three bureaus, one furnisher, three different answers. Scores are approximately 485–486.
Source: Experian, Equifax, and TransUnion consumer reports pulled 08/26/26
Exhibit: Exhibit O — Experian, Equifax, TransUnion — Aug 26, 2026Not yet published
Six certified packets are filed: a direct dispute to UWM combining a Notice of Error and Request for Information with a demand to preserve the call recording, a CFPB complaint, disputes to Experian, Equifax, and TransUnion, and a complaint to the California Department of Financial Protection and Innovation.
Source: Six certified mail packets sent 08/27/26
Exhibit: Exhibit P — Xenophon Giannis — Aug 27, 2026Not yet published
Each deadline below is shown with the rule that produces it. Where no rule can be cited, no countdown is shown.
FCRA 15 U.S.C. §1681s-2(a)(8)(E) — 30 days to investigate a direct dispute
42 days remaining
FCRA 15 U.S.C. §1681i(a)(1)(A) — 30 days to reinvestigate
42 days remaining
FCRA 15 U.S.C. §1681i(a)(1)(A) — 30 days to reinvestigate
42 days remaining
FCRA 15 U.S.C. §1681i(a)(1)(A) — 30 days to reinvestigate
42 days remaining
CFPB published expectation — company response within 15 days (policy, not statute)
12 days remaining
No response deadline is cited for this recipient.
Open — no clock running