|
3984147
|
2020-12-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-12-01
|
| Submitted Via |
Fax
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-15
|
| Consumer Consent Provided |
N/A
|
|
|
1510331
|
2015-08-10
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-10
|
| Complaint What Happened |
Acquired a mortgage in XXXX through XXXX XXXX at Total Mortgage in XXXX, CT. XXXX rarely responded to emails after he and his staff demanded we get documentation in by a certain day. We needed our lawyer to request XXXX extensions from the seller 's attorney as a result of XXXX dropping the ball several times. He told us he would try to float down our rate, then never told us when our rate even expired, then tried to bully us into paying for a rate lock extension. XXXX many times threatened us by stating we did n't deserve good customer service and he could charge us what he chose to extend the rate. We had to ask for the GFE paperwork XXXX times until it was finally emailed.
4 days before our closing the company all of a sudden demanded we close all our credit card accounts since they were paid off. XXXX associate XXXX, then told our lawyer we would n't be closing until at least 3-4 days after the set date. The icing on the cake was right before closing where XXXX admitted to bullying us because we asked to many questions and again said we did n't deserve good service. He then began shouting about all the loans he 's closed this year and how great the company is. Many people we worked with to close our loan were surprised and apologized for the poor service we received by this company.
I was fine with dropping this but felt a complaint should be filed after I posted a review on XXXX and now XXXX has begun harassing me by texting my cell phone about my review. The next step if I get another text from him will be a visit to the police station in the town he does business in order to discuss harassment charges.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2108250
|
2016-09-13
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2016-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9819554
|
2024-08-16
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue with the application process
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-08-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3787979
|
2020-08-10
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-10
|
| Complaint What Happened |
Total Mortgage in XXXX CT pre-approved me by XX/XX/XXXX for a home loan by XXXX XXXX ( Senior Mortgage Banker ). We finally decided to put an offer on a property on XX/XX/XXXX and the offer was accepted. By XX/XX/XXXX, the process was started and we were redirected with XXXX XXXX ( Senior Loan Officer ). We received two emails and one phone call from her from then ( XXXX ) to now ( XX/XX/XXXX ). Everything they asked for, we gave the right documentation and I was on top of everything to make sure every paper and information i submitted was 100 % correct with no delay. I was a little worried not hearing back from XXXX after submitting everything because I sent 3 emails to her just asking to confirm if the documents I sent were in order. I did not hear from her so I was in consistent contact with XXXX XXXX and he kept giving me the same answer about XXXX that she was slammed with work because of the influx of people moving to CT from NYC because of the Pandemic. He kept telling me that he would try to get my case submitted to CHFA by XX/XX/XXXX the latest because CHFA is only working from the XXXX to XXXX of each month because of the Pandemic. I completely understand the situation. I backed off and after the XXXX, XXXX told me that the case was not submitted to CHFA by XX/XX/XXXX because XXXX had not processed my case yet because my closing date was put for XX/XX/XXXX and there were cases that were closing before that. Again, I am a reasonable person. XXXX contacted me on XX/XX/XXXX to " speed up the process '' he sent me the loan agreement and to ask for one more letter needed because a address for a different house came up under my name but it was my fathers ' ( my father and I share the exact same name ). But that same day I did the letter, signed and sent. I called him on XX/XX/XXXX because my lawyer and realtor were asking for updates. I called him and he said that everything takes time and we are okay with the process. So with this " speed up '' the case should have been submitted to CHFA by the XXXX of XXXX which was the first monday of the month hence when CHFA started to process cases again. I contacted XXXX on the XXXX Tuesday because again my realtor asked me for an update because the seller wanted to know what it going on with the mortgage lender. I talked to XXXX on XX/XX/XXXX @ XXXX XXXX to see where we were in the process and he said that his processing department is slammed with work and have not yet come around to my case file to submit to CHFA. On XX/XX/XXXX Wednesday @ XXXX he texted me saying they had lost power since Tuesday at XXXX XXXX ( before we spoke and he said he would see where my case was ) and this would delay my process a couple of days. Friday XX/XX/XXXX, my realtor advised me that the seller will not give anymore closing extensions. I advised my realtor to please contact my lender XXXX because at this point, i did not know what else to do when XXXX kept giving me the same run around. So I let the week finish and contacted him Monday XX/XX/XXXX, he said that my case has not yet submitted to CHFA because they are slammed with work. Honestly, we did everything right from the beginning and now the last day that the seller is giving me in Wed XX/XX/XXXX. I have two days, hoping that CHFA will review approve by Wednesday IF TOTAL MORTGAGE has even submitted my case. I might loose out on this property because someone else failed to submit paperwork about 2 weeks late. I understand the influx of people but someone has to be made accountable for a client.customer loosing out on a property for negligence or lack of people on payroll. I did everything they asked, submitted everything right away and for what? to end up with nothing, no home, no mortgage and no results.
Process started XX/XX/XXXX, I submitted all paperwork on XX/XX/XXXX, XXXX and lastly on XX/XX/XXXX. Then was contacted on XX/XX/XXXX for additional paperwork, and i submitted that paperwork the same day. Now it is XX/XX/XXXX and I can not close or even attempt to make arrangement because Total Mortgage refuses to move any quicker and i am on a verge on missing out on this property.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1584466
|
2015-09-29
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-29
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
This company is nothing more than a " bait and switch ''. I contacted Total Mortgagein XXXX, CT to refi a mortgage currently held by XXXX XXXX XXXX. The loan offier is XXXX XXXX. My credit card was charged a processing fee of {$690.00}, which I was assured was simply a " HOLD '' on my card and would be removed once the loan was processed. The loan was processed on XXXX XXXX. The company refuses to credit the {$690.00} charge on my credit card.
I paid {$460.00} for a home appraisal that was also included in their processing fees as part of closing. I was informed I would no longer be paying PMI. Exactly one day prior to closing I was informed I would still be paying PMI, however, it would now be included in my monthly payment.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5298125
|
2022-03-08
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3660988
|
2020-05-20
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-20
|
| Consumer Consent Provided |
Other
|
|
|
8942181
|
2024-05-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
TOTAL MORTGAGE SERVICES LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-05-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-06
|
| Complaint What Happened |
I successfully completed a loss mitigation with Total Mortgage my payment was increased from XXXX to XXXX after the increase in taxes down to XXXX. I was to skip month XXXX and XXXX and rsum payments to Total Mortgage. On XX/XX/XXXX I was switched to XXXX XXXX and they then started billing me the XXXX, but I continued to pay the XXXX until XXXX when I was making every efforts to let them know of the error!
|
| Consumer Consent Provided |
Consent provided
|
|
