Her number sat on the do-not-call list for a decade before the messages started
A Colorado homeowner says United Wholesale Mortgage sent her unwanted marketing texts for a month, though her number sat on the do-not-call list.
The plaintiff filed a proposed class action against the wholesale lender on June 26, 2026, in federal court in Colorado. The suit accuses the company of violating two laws that protect people who have opted out of telemarketing: the federal Telephone Consumer Protection Act and the Colorado No-Call List Act.
Here is the pattern the filing lays out. Starting on or about February 2, 2026, the sales texts arrived in a steady stream, according to the filing - at least 15 over roughly a month, landing across early and mid-February and into early March. The suit says they came from four different phone numbers, each signed with a different first name but the same sign-off: "from UWM Partner."
The messages read almost word for word alike, the filing says. One began, "Jennifer, DeAndrae here. You are eligible for a rate reduction with an FHA Streamline. What is your rate? Pricing now through the FHA." Another pressed harder: "We understand that you are paying more than you should be right now, we can solve and lower that for you! Do you have a quick 5 minutes?" A later text reached for urgency: "Jennifer, we just locked a client in the low 5s - I won't waste your time, just need a quick 5 minutes from you."
The homeowner says none of it was welcome. According to her claim, she never gave written consent, never filled out a form authorizing contact, and had no prior relationship with the lender. She registered her number on the National Do Not Call Registry on December 6, 2014, and says it stayed there throughout.
That registration sits at the center of the case. The suit argues the texts count as "telemarketing" because they promote the company's mortgage and lending services, which the filing says triggers the do-not-call rules. The plaintiff claims the lender either "did not obtain prior express written consent" or collected it the same flawed way from everyone else it messaged.
She is seeking to represent two groups: a national Do Not Call Registry class and a Colorado No-Call class. The filing estimates members "in the several thousands, if not more" and puts potential exposure above the $5 million federal threshold, noting the TCPA allows up to $1,500 per call for willful violations and the Colorado law allows $500 to $1,500 per violation.
The filing also alleges the four numbers were operated by the company "or on behalf of Defendant," a point the plaintiff ties to her claim that the outreach was the lender's responsibility.
The plaintiff wants the court to certify the classes, order the lender to stop the texts, and award statutory damages plus attorney's fees. She has demanded a jury trial.
For now, these are allegations and nothing more. The claims have not been tested, and no judge has ruled on any of them.
