Complaint Review: RAUL HARRIS - DESERT STATE MORTGAGE LLC - PHOENIX Arizona

Rip-off Report Investigation:

Editor's UPDATE: Positive Rating and Recognition has been given to Desert State Mortgage for its Commitment to Excellence in customer service.

WHY DID DESERT STATE MORTGAGE GET FIVE REPORTS FILED ABOUT THEM? EMPLOYEE COMMITTED FRAUD, EMPLOYEE WAS THEN FIRED, THEN EX-EMPLOYEE POSTED BOGUS REPORTS TO RETALIATE. INVESTIGATED BY STATE OF ARIZONA, STATE SAID DESERT STATE MORTGAGE WAS RIGHT TO FIRE EMPLOYEE..

An ex-Desert State Mortgage, LLC employee was fired from DSM for violating Arizona Law. Pursuant to their employment agreement, the employee was owed no money. Despite these facts, DSM gratuitously offered to compensate the employee some money notwithstanding no legal obligation to do so. DSM's generosity was met with spite, whining and harassment. The employee felt that DSM failed to provide their gift fast enough, so he instituted a campaign of harassment against Raul Harris, Desert State Mortgage's President.

The employee worked for Desert State Mortgage, LLC until early 2008, when he was terminated by DSM. He was fired because he violated A.R.S 6-909(H). That statute entitled Prohibited Acts makes it unlawful for a person employed by mortgage broker to concurrently work for another mortgage broker, without the prior written approval of all licensed mortgage brokers. Here, the employee worked for DSM at the same time he was originating mortgage loans for Liberty One Mortgage. Such conduct is a clear violation of Arizona law.

Furthermore, Arizona Department of Financial Institutions investigated this matter and found Desert State Mortgage, LLC acted appropriately in firing the employee. Please feel free to contact AZDFI (602)-255-4421 to verify their finding.

RESULTS OF OUR INVESTIGATION: IN SPITE OF THE BOGUS REPORTS FILED

Rip-off Report's investigation of Desert State Mortgage, LLC uncovers an ongoing commitment to total client satisfaction. This means that clients can expect the company will always work towards finding a mutually satisfactory resolution to any complaints or concerns, more importantly Desert State Mortgage, LLC is committed to Our Philosophy Customers for Life A strong and genuine belief in the customer for life principal of doing business is what fuels this company. We believe in offering low rates and low costs loans. We do not have expensive billboards or expensive advertisements so we can pass the saving to you-the customer. Referrals from previous customers and real estate professionals have always delivered the majority of the company's production.

One top executive of the company stated to Rip-off Report, DSM's corporate philosophy is based on the premise that DSM will advance itself through first advancing its borrowers. Their process starts by identifying what borrowers need, which ultimately leads to complete borrower satisfaction because we at minimum met their expectation and in most cases from borrower survey over exceeded expectations.

Rip-off Report has confirmed that DSM's approach to business includes a total corporate quality assessment. The result of which, leads to continual dedication to quality operations, borrower and employee relations, and innovation management. Rip-off Report was pleased to learn that the company's past and current approach to business is focused on its pledge to total commitment towards borrower satisfaction.

It is our opinion consumers can feel confident in the fact that DSM has worked with thousands of borrowers in Canada and the United States. They are a full service mortgage brokerage dedicated to making loans easy to understand, service driven and providing the lowest rates available to their borrowers.

Desert State Mortgage recognizes that complaints posted on Rip-off Report (true or not) are issues that need to be addressed and if handled correctly can be valuable learning opportunities. With the feedback generated by Rip-off Report's Investigation DSM has made organizational changes allowing their employees a more streamlined approach to problem resolution and a total overall commitment to customer experience.

In summary, after our investigation, which included discussions with Desert State Mortgage, LLC's Senior Management, Rip-off Report is convinced that the company has been and is committed to quality delivery of services resulting in total client satisfaction.

Read more about Desert State Mortgage, LLC Commitment to Excellence and Total Consumer Satisfaction and why consumers should feel safe, confident and secure when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. ..yes, a long name for a program that does a lot for both consumers and businesses alike.

Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,..A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.

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NOW TO THE ORIGINAL REPORT THAT WAS FILED

Remember, the report below is completely bogus. It was filed by the same person, posing as different people when filing all 5 Reports on this website about Desert State Mortgage, LCC. Rip-off Report confirmed all 5 Reports about Desert State Mortgage have the same IP address including all rebuttals. This means all the reports were filed from the same location by the same person.

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RAUL HARRIS DESERT STATE MORTGAGE - RAUL HARRIS IS A CROOK REFUSES TO PAY EMPLOYEES, LIES ABOUT HIS CREDENTIALS PHOENIX Arizona

I have enclosed the names and phone numbers of witnesses, who have agreed to testify.

Mr. Harris owns and operates Desert State Mortgage, LLC.

2200 E.. Camelback Rd.

Suite 125

Phoenix , AZ 85016

His cell phone is (((Redacted)))

I believe an investigation of his activities will irrefutably prove his theft or diversion of my payroll money, which he acknowledges owing me, but refuses to pay me.

I believe he has converted MY payroll money for his own personal or business use.

BACKGROUND

I worked for Mr. Harris as a loan officer, for nine (9) months, and closed lots of loans.

One day, last spring, I got to the office, and everybody was visibly upset.

I was told by our processor, Kristina Cascia, (Redacted) that, prior to my arrival, two men had come into the office and requested to see Mr. Harris.

These men were livid, and demanded that Mr. Harris immediately return all files in connection with Intellichoice Mortgage.

Unbeknownst to any of us employees, Raul Harris, was explicitly told by law enforcement and Dieter Gable, the owner of Intellichoice that it was ILLEGAL for Mr. Harris to participate in any FHA loans, using Desert State Mortgage, because Desert State Mortgage was NOT licensed to perform these transactions.

Mr Raul Harris DID, in fact, do FHA loans.

Krisitna Cascia Kristina Cascia, (480 232 4857) was our processor, and can confirm and probably expand on Mr, Harris conduct.

You may reach, Mr. Dieter Gable, the owner of Intellichoice, at (((Redacted)))to substantiate the facts.

Because of all the turmoil and confusion, as well as, Mr. Harris unethical (maybe illegal) business practices, I became scared and uncomfortable, so I quit on May 20th, 2008.

I asked Mr. Harris for my paycheck, as ALL my loans had closed escrow, and he acknowledged having my money in his possession, and the associated accounting numbers in his possession.

It is customary for me to receive my paycheck along with the associated back-up information, corroborating the amounts.

Mr. Harris said it would take him 30 days to "pull it all together", and promised to pay me my money, and give me a full accounting of my commissions, along with a report, corroborating my commissions, and files for my records within 30 days.

What I did NOT know at the time was that Mr. Harris was obligated by state law ARS 23 -353, B,)to pay me my money on the next regular payday.

Therefore, he is was and is CLEARLY in violation of ARS 23 -353, B,, which states:

When an employee quits the service of an employer he shall be paid in the usual manner all wages due him no later than the regular payday for the pay period during which the termination occurred. If requested by the employee, such wages shall be paid by mail.

In addition, Mr Harris is in violation of ARS 6-906.

By law, he is required to maintain correct and complete records of transactions.

He refuses to provide me with anything. Despite many promises, he has failed and refused to pay me my paycheck or provide me with an accounting or report of my commissions, or provide me with loan document transactions for my records.

At the time, I didn't know my rights, so I took him at his word. My house was in foreclosure, and my cars had been repo, so I called him on June 17th, 2008, to confirm my money and documentation would be ready for pick-up.

He said he had the money, but that the next payday was on the 10th of July, 2008, and that he ran a business like a business, and that I had to wait until July 10th, 2008, and get paid on payday, just like everybody else.

So, On July 10th, I called him to see if my check was ready. He said no, he had changed his mind, and that the law gives him the right to withhold my money for 90 days, but that he would pay me on or before the 90 days.

I told him that was unacceptable, as my house was in foreclosure, and my family needed the money for food and survival.

Despite my pleading that I was broke and needed my money, he refused, telling me he was doing ME A FAVOR, because he said: ustavo. KNOW I the law. And the law gives me the right to NOT have to pay loan officers if I don't want to.

Mr.. Harris was attempting to bully and intimidate me.

I have this telephone conversation on tape, which I will give you a copy if you wish.

I have been reasonable and patient with Mr. Harris, in trying to get my paycheck, which he has owed me for months.

When I emailed or called Mr. Harris, I simply asked nicely for my money.

I don't want no trouble. I just want my paycheck.

Sincerely,

GUSTAVO

phoenix, Arizona

U.S.A.

font color="red"> CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.