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TOTAL MORTGAGE SERVICES, LLC

Branch

Company Details

Name: TOTAL MORTGAGE SERVICES, LLC
Jurisdiction: Rhode Island
Entity type: Foreign Limited Liability Company
Status: Activ
Date of Organization in Rhode Island: 13 Mar 2000 (25 years ago)
Branch of: TOTAL MORTGAGE SERVICES, LLC, CONNECTICUT (Company Number 0563375)
Identification Number: 000111363
Place of Formation: CONNECTICUT
Principal Address: 185 PLAINS ROAD, MILFORD, CT, 06461, USA
Mailing Address: 185 PLAINS ROAD 3RD FLOOR, MILFORD, CT, 06461, USA
Purpose: MORTGAGE LENDER AND BROKER OFFERING RESIDENTIAL MORTGAGES TO RI RESIDENTS.
Fictitious names: First Boston A Division of Total Mortgage Services (trading name, 2021-11-09 - 2024-01-04)
RATECLOUD (trading name, 2020-08-14 - )
Mortgage95 (trading name, 2020-05-12 - )
Mentor Home Loans (trading name, 2025-02-25 - )

Industry & Business Activity

NAICS

522291 Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to consumers. Learn more at the U.S. Census Bureau

Companies doing Consumer lending

Agent

Name Role Address
CORPORATION SERVICE COMPANY Agent 222 JEFFERSON BOULEVARD SUITE 200, WARWICK, RI, 02888, USA

Manager

Name Role Address
JOHN T WALSH Manager 185 PLAINS ROAD MILFORD, CT 06461 USA

Filings

Number Name File Date
202451046790 Annual Report 2024-04-15
202443734030 Statement of Abandonment of Use of Fictitious Business Name 2024-01-04
202333776890 Annual Report 2023-04-24
202220366160 Annual Report 2022-06-27
202219616610 Revocation Notice For Failure to File An Annual Report 2022-06-22
202104800090 Fictitious Business Name Statement 2021-11-09
202102866250 Annual Report 2021-10-07
202069971590 Annual Report 2020-10-30
202048356060 Fictitious Business Name Statement 2020-08-14
202039893080 Fictitious Business Name Statement 2020-05-12

CFPB Complaint

Complaint Id Date Received Issue Product
6543994 2023-02-07 Incorrect information on your report Mortgage
Issue Incorrect information on your report
Timely No
Company TOTAL MORTGAGE SERVICES LLC
Product Mortgage
Sub Issue Account status incorrect
Sub Product FHA mortgage
Date Received 2023-02-07
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-02-07
Complaint What Happened I applied for the XXXX assistance XXXX XXXX program through my state and was approved for assistance with paying my mortgage. I made all my mortgage payments on time and have never been late, even through the process of applying for this assistance. I physically made my own mortgage payment for XX/XX/XXXX and I was approved for this program in late XXXX. The XXXX XXXX sent payment to the mortgage company on XX/XX/XXXX in the amount of XXXX to cover my mortgage which was still not late or past due or in delinquent status at that time. I called the mortgage company several times throughout this process to keep them aware of the application, process and payment information and paid my mortgage throughout. The funds were sent to the mortgage company on XXXX. XX/XX/XXXX my credit report shows my mortgage was 30 days late for XXXX. I called and spoke with them who assured me yes they see the payment and they will rectify the credit problem as I made my XXXX payment. It has been XXXX days and in the meantime I have called them several times to remedy this issue and it seems every time the story changes and they are not on the same page internally. XXXX credit report shows my mortgage late for XXXX, and the other shows late for XXXX, XXXX days late, although they said it was XXXX, which I paid on time, portions of my credit report show conflicting information on this account with regards to late/current/months paid status. I have called them more than 5 times to find a resolution. I have never made a late payment on my mortgage in the XXXX years I have had it. The payment was sent to them to cover XXXX, XXXX and XXXX mortgage and they have not internally applied it to my account. They said they have a disorganized internal system for dealing with the incoming payments from the XXXX funds from states. This is not my fault and should not be negatively impacting my credit. My credit has been egregiously affected and dropped over XXXX points. You will see my credit I have no late payments or a history of late payments. Another creditor of mine reduced my credit limit on my card by {$2000.00} as a direct result of this negative reporting. This has not been handled properly or in a timely, orderly organized fashion. My credit reporting for this account doesn't match and is XXXX misrepresented.
Consumer Consent Provided Consent provided
7179176 2023-06-28 Trouble during payment process Mortgage
Issue Trouble during payment process
Timely Yes
Company TOTAL MORTGAGE SERVICES LLC
Product Mortgage
Sub Product FHA mortgage
Date Received 2023-06-28
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-06-28
Consumer Consent Provided N/A
9207371 2024-06-09 Closing on a mortgage Mortgage
Issue Closing on a mortgage
Timely Yes
Company TOTAL MORTGAGE SERVICES LLC
Product Mortgage
Sub Issue Fees or costs after closing
Sub Product Conventional home mortgage
Date Received 2024-06-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-06-09
Complaint What Happened I have the details of all my complaints in the demand letter attached. When I reached out to Total Mortgage with my concerns, they implicitly threatened to back out of closing leaving me liable for the deposit. Essentially, Totally Mortgage forced me into a detail under the pretense of a grant they negligently did not secure in time. When I complained, they threatened to leave the deal and leave me liable for my deposit. Along the way they've misrepresented Rhode Island closing law and the grant process and terms me on the record via email. Please review the attachment thoroughly, I am in great distress over this ordeal even 6 months later.
Consumer Consent Provided Consent provided

Related by officers

CORPORATION SERVICE COMPANY

Alga Plastics Company American Steel and Aluminum Corporation of Rhode Island Oce Imaging Supplies, Inc. COLDWELL BANKER RESIDENTIAL REFERRAL NETWORK, INC. AUTOMOBILE CLUB INSURANCE AGENCY, INC. Scott Technologies, Inc. JUDD BROWN DESIGNS, INC. CITIZENS LEASING CORPORATION Volkswagen Group of America, Inc. Activant Solutions Inc.

JOHN T WALSH

Hartford National Title, Inc.

Related by address

185 PLAINS ROAD, MILFORD, CT, 06461, USA

CROSS COUNTRY TITLE, LLC Yellowbrick Real Estate, LLC

Date of last update: 10 Apr 2025

Sources: Rhode Island Department of State

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