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2199325
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2016-11-07
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Application, originator, mortgage broker
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Mortgage
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| Issue |
Application, originator, mortgage broker
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| Timely |
Yes
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| Company |
Moria Development, Inc.
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| Product |
Mortgage
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| Sub Product |
FHA mortgage
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| Date Received |
2016-11-07
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
Yes
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| Date Sent To Company |
2016-11-07
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| Complaint What Happened |
I started a loan application with Peoples Mortgage Company, because they have a program called XXXX program. I was sign to XXXX XXXX, to work with me to be able to get a mortgage. Me and my husband had a lot of credit issue that I was trying to explain to XXXX XXXX but he was not trying to hear me. He felt like it was not his department and was turning me over to a credit report program. But the problem was I had to do couple of police reports because my oldest sister use my information to create debt in my name. This was the first problem with XXXX XXXX, he came over to me and husband as not friendly or a people person that work with the public. After Mr.Sheff information to me I just started to work on my credit in less than 10 days I have XXXX items fix on my credit on my credit report. The next I spoke to XXXX, I let know and I ask him for a pre- qualification letter. This is what XXXX had to say to me, '' XXXX XXXX, As of today 's date you do not qualify to buy a home. With your current debt and current income you do not qualify. If you 're looking for a dollar amount - I 'm sorry to have to tell you but Zero dollars {$0.00}. You do n't qualify to buy a home right now. There is quite a bit of work that needs to be done concerning your debt before you will qualify to buy a home. Even if your credit was perfect - your student loan debt is putting your income out of range to qualify for more than just about enough to buy an inexpensive car. I 'm sorry to have to tell you this but we seriously need to get control of your debt and pay your student loans down before you will qualify. '' This man cause me to be upset all day long at work, never been hurt so bad in my life. If your working with the public you have to be careful of what you say to a person because you do n't know how much your words hurt someone and you are representing a company.
If you have any questions please feel free to call me in the office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX DIRECT : XXXX | MOBILE : XXXX FAX : XXXX EMAIL : XXXXXXXXXXXX XXXX Licensing : AZ XXXX XXXX XXXX XXXX Company Licensing : AZ XXXX CO, Regulated by the Division of Real Estate XXXX XXXX
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| Consumer Consent Provided |
Consent provided
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7922810
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2023-11-29
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Closing on a mortgage
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Mortgage
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|
| Tags |
Older American
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| Issue |
Closing on a mortgage
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| Timely |
Yes
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| Company |
Moria Development, Inc.
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| Product |
Mortgage
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| Sub Issue |
Closing disclosure or other related disclosures
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| Sub Product |
Conventional home mortgage
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| Date Received |
2023-11-29
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-11-29
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| Consumer Consent Provided |
Consent not provided
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5920209
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2022-08-26
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Struggling to pay mortgage
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Mortgage
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|
| Issue |
Struggling to pay mortgage
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| Timely |
Yes
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| Company |
Moria Development, Inc.
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| Product |
Mortgage
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| Sub Product |
FHA mortgage
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| Date Received |
2022-08-26
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-08-26
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| Complaint What Happened |
XXXX XXXX XXXX Servicer Name : Peoples Mortgage Company ( XXXX ) Servicer Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Phone Number : XXXX ( XXXX ) Fax Number : XXXX Multiple documents that I have submitted are not being received by XXXX. When a follow-up call was made to XXXX, XXXX was informed that the docs. are not visible to XXXX reps. although they are show as being uploaded on my view. I have actively been trying to submit documents online and my file has been closed each time because the documents were not received by XXXX.
XXXX of XXXX, I applied for forbearance during the COVID pandemic because my total household income was reduced to less than half due to job loss. Before the forbearance time limit was exhausted in XXXX of XXXX, I applied for a loan modification. The packet was sent to via U.S. but never received. I requested another packet, and it was received, completed, and returned. XXXX of XXXX, I was told that it was denied because of missing information. Once again, I requested a Loss Mitigation Application Package that was reviewed on XX/XX/XXXX and determined to be complete. During this time, I tried to make payments because the documents were not being received in time and I wanted to avoid foreclosure and keep my home. I spoke with multiple XXXX employees who said that I could not make a payment while applying for a modification, but they assured me that the home would not go in to default foreclosure, and that my credit would not be effected, ( please review the recorded calls ). The loan modification was apparently approved XX/XX/XXXX. XX/XX/XXXX a COVID partial claim was approved. On XX/XX/XXXX, the home was in foreclosure.
XXXX Letter sent to XXXXXXXX XXXX XXXXXXXX XXXX XXXX stating my intent to keep my home, followed up on XX/XX/XXXX.
XX/XX/XXXX Documents uploaded to https : //loansolutioncenter.com/ but are not seen by XXXX staff XX/XX/XXXX XXXX followed up with XXXX and XXXX XXXX no answer with either, left messages with both.
XX/XX/XXXX XXXX contacted technical support at XXXX, to no avail. I explained that documents previously submitted are not visible to XXXX reps. although they are show as being uploaded on my view. Tech. Support had no solution.
XX/XX/XXXX Spoke with XXXX and my account was closed due to inactivity! Documents were still not visible to them.
XX/XX/XXXX called XXXX. again and spoke to non-attorney rep. I asked for a reinstate amount and was informed that it would be provided in 5-7 business days.
XXXX Called XXXX again, frantically begging for a solution and I was told that I should send the info. Via certified mail, fax or email. Approximately 30 documents were sent via email to XXXX 10 emails sent with the subject line : Urgent! Please Review ASAP. Documents Uploaded but Not Viewed XXXX called XXXX and was told that account was closed, again due to inactivity/incomplete package being uploaded. No, not again! Please help. Only 3 out of the ten emails I sent were received.
XXXX Complaint filed with : Consumer Financial Protection Bureau XXXX XXXX ) XXXX https : //portal.consumerfinance.gov
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| Consumer Consent Provided |
Consent provided
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6206824
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2022-11-15
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Struggling to pay mortgage
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Mortgage
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| Issue |
Struggling to pay mortgage
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| Timely |
Yes
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| Company |
Moria Development, Inc.
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| Product |
Mortgage
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| Sub Product |
FHA mortgage
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| Date Received |
2022-11-15
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-11-15
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| Complaint What Happened |
Oh my goodness, please help! I have been submitting documents for months and each time they are not received and then my file is closed!!!!!! Today, I received a summons, and I was told that my case was closed again! Please review the calls that were made to XXXXPeoples Mortgage and recorded for quality assurance to verify all of my claims. All documents have been submitted and I have the screen shots to prove it. My home is still in foreclosure and my family members ( ex-husband and son ) are receiving summons. The allegations are not substantiated because I have not faltered any of the attempts to rectify the situation. The company is not organized and each time I call, which is often they have to go through the same dumbfounded process of locating my documents, each time there is a long apology and assurance to make it right, but, they have not! Now, my home is in jeopardy and I am extremely upset, saddened and incredibly embarrassed because my family is being harassed and I appear to be irresponsible. Please review the calls, what else are they recorded for? I just want to keep my home and I need the people at the mortgage company to rectify their technical issues.
Most recent correspondences sent to XXXX Peoples Mortgage : XXXX called again, no document received, again. Rep. suggested another email address. Document were re-sent to this address XXXXEach time I call a different person reads me the same two minute disclaimer with complete accuracy but then spends the next five minutes checking multiple, places for my documents. No one can see all of the documents and it appears to be a very haphazard process the team at XXXX Peoples Mortgage is navigating through. In the meantime my home is still in foreclosure status despite my cooperation and multiple submissions. Please help! XXXX XXXX called to verify submitted docs were received, XXXX Peoples Mortgage person stated that four to five days would be needed to review the docs. ( pay schedule ) XXXX called again, but no new information was available XXXX email sent with new information.
I must admit that I am really concerned about the amount of time that it is taking for XXXX Peoples Mortgage to complete my mortgage re-structure, loan workout packet. I have consistently called and sent in information but there seems to be no movement on their end. Each notification I receive has stated that my file was closed due to inactivity, despite the constant activity and information that I provided which makes me fear that nobody is truly working on my case. I do not want to lose my home. My past attempts to make payments were denied because I was going through the restructuring process, but my home is now in foreclosure. I want to make to make it right and get back to making consistent payments. Please tell me what else I need to do.
XXXX text stating there has been a change, logged in but my account status is limiting access Follow-up call made, XXXX Peoples Mortgage associate said that thy were waiting on the same documents that I sent four times. She placed me on hold for a few minutes and then found the documents and explained to me that no action on my part needs to be taken and that I was just waiting on the file to be reviewed. ( Please review the recorded calls!!!!! ) XXXX a freaken summons was sent!!!!
Called attorney XXXX XXXX XXXXXXXX. Left a message Called XXXX/ Peoples Mortgage again, the rep. said the same thing, she couldnt find the document and was going to ask somebody else, to get back to me discounted and no reply.
Called again and was told Loss mitigation closed on the XXXXAppeal letter sent to XXXX/Peoples Mortgage and another complaint filled with CFPB
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| Consumer Consent Provided |
Consent provided
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