Consumer complaint received 2022-08-26
Company: Moria Development, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
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

Company response to consumer: Closed with explanation