CFPB Consumer Complaint Profile

United Shore Financial Services, LLC

Consumers have filed 2,002 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-08-14

2,002
Total complaints
Among the highest
570
Last 12 months
99.3%
Timely response
Above median
50
States affected

Subscribe to this company's annual complaint changes (RSS)

The verdict

Out of 3,843 financial companies in the CFPB database, United Shore Financial Services, LLC has accumulated 2,002 complaints, placing it #207 by volume. It posts a 99.3% on-time response rate, the 66th percentile among companies with 100+ complaints.

#207
of 3,843 companies by volume
99.3%
on time (66th pctile)
Mortgage
most-complained product
50
states with complaints
C-
PlainCredit Trust Score
51/100
United Shore Financial Services, LLC · 3 of 3 dimensions reported

Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.

Timely Response B 99.3%
Share of complaints answered within the CFPB response window
Dispute Rate F 27.2%
Share of responses the consumer disputed (lower is better)
Relief Rate C- 1.9%
Share of complaints closed with monetary or non-monetary relief

United Shore Financial Services, LLC vs. all companies by on-time response rate

Every company with 100+ CFPB complaints on file (1,335 total)

99.3% Higher than most higher than 66% of 1,335 companies

companies with 100+ CFPB complaints, bucketed by value

Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14

What changed

CFPB Consumer Complaint Database 2024 to 2025 complete years

  • Annual CFPB complaint volume moved from 282 in 2024 to 519 in 2025 (2024 → 2025).

See the full year-over-year release diff

United Shore Financial Services, LLC timely response rate 99.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Mortgage - Conventional home mortgage 1,042
Mortgage - FHA mortgage 289
Mortgage - VA mortgage 257
Credit reporting or other personal consumer reports - Credit reporting 136
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 87
Mortgage - Conventional fixed mortgage 78
Mortgage - Other type of mortgage 24
Debt collection - Mortgage debt 21
Mortgage - Home equity loan or line of credit (HELOC) 20
Mortgage - Other mortgage 10

Top Issues

1.Trouble during payment process 974
2.Struggling to pay mortgage 228
3.Incorrect information on your report 182
4.Closing on a mortgage 165
5.Applying for a mortgage or refinancing an existing mortgage 161
6.Loan servicing, payments, escrow account 56
7.Improper use of your report 45
8.Problem with a company's investigation into an existing problem 44
9.Problem with a credit reporting company's investigation into an existing problem 37
10.Application, originator, mortgage broker 21

Complaints by Year

Year Complaints
2012 10
2013 22
2014 16
2015 22
2016 38
2017 19
2018 31
2019 42
2020 129
2021 229
2022 269
2023 255
2024 282
2025 519
2026year in progress 119

Complaints by State (Top 15)

California 488
Florida 268
Texas 139
Arizona 82
Michigan 74
Colorado 73
Georgia 72
Washington 70
New York 61
Utah 50
Illinois 48
North Carolina 48
New Jersey 46
Virginia 46
Pennsylvania 44

Company Responses

Closed with explanation 1,894
In progress 68
Closed with monetary relief 37
Closed with non-monetary relief 2
Closed 1

What the CFPB Complaint Record Shows for United Shore Financial Services, LLC

2,002 complaints against United Shore Financial Services, LLC appear in the CFPB record, including 570 from the trailing year. The 50 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Within the Bureau's 15-day response window, United Shore Financial Services, LLC posts a 99.3% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 27.2% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 1.9% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does United Shore Financial Services, LLC have?

The CFPB has logged 2,002 complaints against United Shore Financial Services, LLC to date, of which 570 came in over the last 12 months.

Does United Shore Financial Services, LLC respond to complaints on time?

CFPB complaints against United Shore Financial Services, LLC draw a 99.3% timely-response rate inside the expected window. That is a strong response record by CFPB standards.

What product generates the most complaints for United Shore Financial Services, LLC?

Among all products tied to United Shore Financial Services, LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with United Shore Financial Services, LLC?

The most common issue reported by consumers about United Shore Financial Services, LLC is "Trouble during payment process." All complaint issues are listed above with their counts.

How do I file a complaint against United Shore Financial Services, LLC?

You can file a complaint against United Shore Financial Services, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about United Shore Financial Services, LLC?

Consumers in 50 states and territories have filed complaints about United Shore Financial Services, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.

Nationwide companies with similar complaint volume or dispute rates

Two CFPB peer sets for United Shore Financial Services, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.

Source: CFPB Consumer Complaint Database Data through March 2026